BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00} , XXXX XXXXXXXX Balance : {$15000.00}, XXXX XXXX  XXXX Balance : {$7200.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00}, XXXX XXXXXXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$19000.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00}, TELECOM SELF-REPORTED XXXX Balance : {$21.00} , TELECOM SELF-REPORTED XXXX Balance : {$60.00}, XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I received a transaction that equated {$450.00} from an XXXX XXXX on PayPal. This was sent with PayPal 's Friends and Family service, which is a payment method used for gifts of money that are not intended to be disputed with. On XXXX XXXX, I received an email stating that XXXX had opened an " Unauthorized Transaction '' case against me, along with a message that XXXX used as a scare tactic against me. 

" Hello XXXX. As you probably know, you may show a transaction in error. We are working to correct this issue for you. You can reverse the payment in order to speed up the process, and reduce the risk of federal violations associated with the RICO act. 

I had confirmation from the sender himself that he had meant to send this transaction. I uploaded all of this information on XXXX XXXX XXXX XXXX. On XXXX XXXX I received an email from PayPal stating that the case was closed in my favor and that the matter was done. After all, I had substantial information that the case was not an unauthorized transaction. 

On XX/XX/XXXX, nearly a month after the dispute was initially resolved, I received an email stating that PayPal was charging me for the money, as well as charging me a {$15.00} dispute fee. I called PayPal about this and requested more information about what happened, especially since I thought it was ridiculous that I was being charged for a matter that was resolved one month prior. PayPal simply told me that the other bank had new information that resulted in the charge-back going through, and did not provide me any more details on what happened or why the case was being resolved in this way. I thought PayPal had done proper research into this matter, and I just want to see if there is a resolution to this matter, as I thought PayPal would back me up on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was double charged for an excursion by the hotel. This was finally resolved, however, one of the amounts remained on my credit card so I reached out directly to the Hotel Manager who tole me I was owed a credit of approximately XXXX euros. I have this in writing and have been dealing with Barclays for over 2 months on this matter and they have not been able to resolve it, nor can they call me due to something they claim is Robo calls which is irrelevant. The bottom line is after speaking to 2 rude individuals I have closed this Master Card completely. They have not responded to multiple emails I have sent them with the correspondence from the Hotel Manager and have not resolved the difference on my Master Card which is approximately {$100.00}. Your assistance is greatly needed to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are collections listed that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 

XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector called my mother, they then proceeded to discuss my account information with her. Told her how much was owed, what was owed and tried to collect payment from her thinking that she was me despite her telling them her name. 

Ive never had any contact with them prior to this and they were threatening her with legal actions- assuming that she was me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fruad inquiries Appearing on Credit Reports delete Immediately From Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX a consumer citizen of heaven am writing in response to an alleged debt which was sent to the address of XXXX XXXX XXXX XXXX # XXXX. This letter was received on XX/XX/2021. Letter attached. 

As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. 
National Recovery Agency response did not address any of my complaint and purposely deflected providing me answers in their most recent correspondence. 

My request was specific. The alleged debt was not verified. A correspondence letter was sent on XX/XX/2021. 

I, XXXX XXXX did not conduct any business with the above company in the past or currently. In addition, they have violated my privacy. I did not sign any forms authorizing National Recovery Agency to access any information pertaining to me. 

I have been violated and will be turning this matter over to the office of Civil Rights ( OCR ). 

This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation requested ( FDCP 15 USC 1692g Sec 809b ) be executed. 

I have requested that National Recovery Agency verify this debt and send me all contracts and documents between myself and their organization bearing my signatures. 

This has a severe negative affect on me as a consumer and is violating the FCRA. This is jeopardizing my reputation as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted disputes with Equifax and XXXX. On XX/XX/XXXX, the accounts was removed from my credit file. On XX/XX/XXXX the same accounts that was removed from my credit file was added back to my credit file with out any notice from Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Volvo Car Financial Services U.S., LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/XXXX I leased a XXXX Volvo XXXX and ended the lease on a XXXX Volvo XXXX. Both cars were covered by a 36-month bumper to bumper warranty. The XXXX XXXX was turned in after 34 months because Volvo would pay the lease costs on the final months of the lease if I leased a new XXXX. 
On XX/XX/XXXX Volvo Car Financial Services sent me an invoice for {$200.00} that included a charge of {$130.00} because the maintenance light and the tire pressure light stayed on ( attachment XXXX ). When I asked XXXX Volvo XXXX XXXX XXXX XXXX, XXXX, VA XXXX, where I leased the car, I was told that both items were covered by Volvos warranty. However, I had to talk to Volvo Car Financial Services since they sent me the invoice. 

In a series of phone conversations with Volvo Car Financial Services on XX/XX/XXXX, and XXXX the total bill was reduced to {$140.00}, a reduction of {$67.00} XXXX attachment 2 ). When I asked how they came to that amount I was told that the maintenance light/tire pressure light was taken off the bill, but I still had to pay for {$130.00}, plus tax, for the right front door. I have no issue with paying for the door panel ; however, no tax was ever charged before, so why is tax suddenly being charged. The second issue I have, is that if the {$130.00} is subtracted from the {$200.00} that I was billed, I should be paying {$73.00}. 

I have never been given an explanation of how the {$140.00} was calculated, only that was the amount that I had to pay. When I further questioned the amount, I was told to talk to XXXX Volvo and they should pay any difference. When I again talked to XXXX Volvo, I was told that it had been mentioned to management, but no action had been taken. I also did not receive a response to a follow-up email I sent to XXXX Volvo. Consequently, I am in a catch-22 situation where Volvo Car Financial Services say I need to talk with XXXX Volvo and XXXX Volvo says I need to talk to Volvo Car Financial Services yet both are part of Volvo Car XXXX XXXX or its affiliates or licensors ). 

The maintenance light/tire pressure light issue was covered by Volvos warranty. The XXXX XXXX had been scheduled for maintenance at XXXX Volvo on XX/XX/XXXX, but was cancelled when I no longer was leasing the car. In addition, XXXX Volvo informed me on XX/XX/XXXX that the XXXX XXXX had been sold, which indicates the routine maintenance was performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Somebody got a first access credit card in my name without my consent it is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in APS reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation. 


I am unsure why either XXXX or WAYFAIR would have had a Citibank response, as the report shows XXXX  is the " owner '' and the accounts were sold. 

My report shows both accounts Citibank responded to me as " owning '' originate with XXXX XXXX ( as does a XXXX XXXX XXXX card that is not mine ) not Citibank. I have never had a Citbank account of any kind. 

The Wayfair account is listed as XXXX and is listed as XXXX and XXXX owed and opened in XX/XX/. 

IF the XXXX XXXX XXXX Card is also Citi 's, and once Again ALL THREE are listed as XXXX XXXX  on my report, that would also need deleted. 

The account, account number XXXX, reference number XXXX XXXX XXXX  on XX/XX/XXXX  and was opened with XXXX XXXX. 

The XXXX account account ending in XXXX, formerly XXXX is listed as XXXX. 

ALL THREE should also be referred to the collections agencies they were sold to for deletion immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent  name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was recently scammed by a dance company I purchased a uniform for with different payments for different parts of the uniform. Because of this I called to dispute the parts of the uniforms and the transactions with Chase. The amounts were ranged between XXXX XXXXXXXX {$400.00}. I woke up one morning, on the XXXX XXXX XXXX and my account wouldnt let me transfer. I called and theyd said the claims department told them to close my account, there was no warning, or any call to inquire about my claims! Just closing. I have money {$62.00}, and {$160.00} stuck in my checking and savings account. It has been 4 days and I havent received an update about the closure of my account or my money! This is unfair as I used this account for my business, XXXX XXXX XXXX XXXX XXXX XXXX. I am also a XXXX XXXX  who doesnt have the means to keep opening accounts. This needs to be fixed, as Ive done nothing wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Michael Haynes & Associates, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This agency is harassing me over a 10-year-old debt, which is pass the statute of limitation. Their first point of contact was XX/XX/19, and I have not received a written verification or proof of my debts, which they advised they have sent. I am aware that they must send in writing a verification letter within 30 days of the initial contact and collection calls must be stop until the debt is verified. This company has continuously called me and several of my family members with threatening messages. 
This company violated my rights and exposed to my family members information about my debt, which is private information. The law protects states that it is illegal for debt collectors to disclose the existence of debts to anyone other than authorized individuals. I have voice recordings to prove my case. 
I believe this company is a scam and I am requesting that they cease from any contact with me and my family members.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I was going over my Experian credit report and noticed three different accounts for XXXX XXXX XXXX. Two listed under XXXX XXXX XXXX for {$1000.00} each and once for XXXX XXXX XXXX for {$1700.00}, making this debt appear on my credit report at total of three times for a total amount of {$3800.00}. This is a clear violation of the Fair Credit Reporting act and needs to be remedied immediately. I contacted Experian dispute on XX/XX/2018 and was notified on XX/XX/2018 and there was no change on my credit report. I had no problem with XXXX and XXXX fixing this issue, just Experian. 




XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief