BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Sentry Credit, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was living at XXXX XXXX and was highly XXXX XXXX XXXX and could not XXXX  up the steps that lead to my apartment and requested a transfer I was put on a waitlist and was concerned about the affordability of the home and my current condition I set and had a meeting with the property manager in reference to moving out I put a proper XXXX notice in and continued living in the property temporarily because when I put my notice in my apartment was already leased before I vacated I attempted to complete my lease out after recovering from XXXX and was offered a neutral unit on on the third floor because of XXXX I am not able to climb that many stairs without a period where I am able to sit but I had spoke with the property manager and I was informed that my security deposit will be kept by the property management and I'm to pay my rent in full I paid my rent in full clean the apartment thoroughly there was no scratches or nowhere and tear on this unit so I didn't have any walk out violence after about 3 years of living out of the property I received a notification from century credit stating that I owe from a breach of lease the property manager which was XXXX at the time and I agreed that this will be the terms of me leaving my lease early I've been tried to before my proper notice was over try to stay in the property but my unit was already leased so to me I feel like not only did we have a verbal agreement and also my lease was breached by the property management company by leasing my unit out before my lease was over XXXX XXXX HAS NO CURRENT XXXX TO CONTAXT THEM VIA EMAIL OR PHONE AND IS NO LONGER AT THIS POOERTY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid 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 ordered a custom cake from XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I paid a deposit for {$100.00}. I ordered a vanilla cake with guava filling and rum soak. When I arrived to pick up the cake on XX/XX/XXXX, I waited XXXX minutes for the cake to be completed. I gave her a pick up time and reminded her via text a few days before pick up. I paid the remainder of the balance {$72.00} using my Capital One Visa. The owner made us late to my sons graduation. A few hours later after the graduation, we arrived at our venue to celebrate. When I cut into the cake, it fell apart into crumbs. The owner added chocolate without my consent and the rum soak I ordered was not present. I served crumbs on guests plates and no one ate the dry mess. The next day, XX/XX/XXXX, I contacted the owner explaining the situation and I sent her pictures as well. She refused to give me a refund or even partial refund and offered to make another cake. This was unacceptable as I needed a cake the day before for my sons graduation celebration. I had no need for another cake. After her refusal to apply a refund, I contacted my credit card company capital one and filed a dispute. Capital One contacted the merchant and she submitted a response with the receipts. Capital One forwarded me this information in a letter on XX/XX/XXXX and stated they would reapply the charges to my account. I reopened the case and submitted all supporting documentation on XX/XX/XXXX & XX/XX/XXXX including pictures, a letter, invoices and text message communications between myself and the merchant. Capital Ones response was that I lacked previously requested information. I provided everything that was requested. My claim continued to be denied despite all evidence clearly showing I ordered and paid for a particular cake and the merchant gave me the wrong order and different from what we had agreed on per invoice. The cake was also not eatable and the merchant refused to accept responsibility. I contacted Capital One once again on XX/XX/XXXX and requested to speak to a supervisor. I spoke to the supervisor XXXX from the dispute department and asked if she can take all facts and evidence into account. She transferred me to visa claim benefits as there was nothing else they can do. Visa claims stated because its an edible and perishable product, I was not covered. I use my credit card expecting to be protected against wrongful purchases. I was turned away and responsible for the payment of {$180.00} for an order different from what I made and was unable to eat. Capital One did not fairly consider all facts in my case. The final letter I received from capital One was on XX/XX/XXXX stating the case was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 2023-07-18
Company: Paypal Holdings, Inc
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Received a email that said it was PayPal stating that someone had tried to charge XXXX to my account. And to call this numberXXXX. When I did that when everything went south. It end up coasting me XXXX XXXX XXXX XXXX XXXX. Had to change my banking information. They hacked in to my computer XXXX. It bad. Picture of my driver license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  OPENED XXXX XXXX AND BALANCE IS {$480.00} I REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR TRANSUNION AND XXXX XXXX 

XXXXXXXX XXXX  -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR TRANSUNION AND XXXX XXXX 

XXXXXXXX XXXXOPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON XXXX, BUT NOT ON TRANSUNION. THIS ACCOUNT DELETED OFF TRANSUNION, BUT NOT XXXX. XXXX SHOULD HAVE BEEN DELETED THIS ACCOUNT.

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 2021-08-11
Company: Tribal Lending Enterprise, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was unaware that the terms of the loan were like this. The amount i pay biweekly is barely getting applied to the loan principal. The interest rate is a triple digit number. And after speaking with a representative the dollar amount gets higher after each payment and just digs you deeper into debt. I had no idea i would pay so much and if i did would not have signed the online forms. You pay 4 times as much as you borrow and interest rises everyday at an extremely high rate.

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 2023-07-09
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have made numerous efforts to remove incorrect information on my report without success beginning in XX/XX/XXXX beginning with XXXX XXXX  XXXX who reported incorrect dates and amounts. This complaint was made directly to the mortgage company. XXXX, XXXX  XXXX who I filed a complaint against directly to the credit bureaus and still they are reporting a lateness that never occurred. Third, the previous balance owed to XXXX XXXX XXXX is also in error. On this account, I obtained the services of XXXX XXXX in XX/XX/XXXX and have not been successful as of yet. XXXX of the more serious complaints I made with the credit bureaus is the SC XXXX XXXX XXXX XXXX who persistently reported incorrect information regarding lateness and dates. Last, my account with XXXX XXXX and XXXX has also been reported in error. 

In accordance with the Fair Credit Reporting Act, these companies and credit bureaus have violated my rights.

15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had a long history of a credit score of XXXX. After I took out a car loan with XXXX for 48 months I paid it off in 18 months. I made all payment well in advance of due date. 
The loan was paid off over a year ago yet TransUnion Credit Bureau continues to carry my score at XXXX with a sub note that says they have no current information. I have not checked the other credit reporting companies but I expect to obtain a score of XXXX due to the fact that I have paid off the one obligation that dropped my score. TransUnion has on their records that the loan was paid off over a year ago ( XXXX balance ). 

I paid cash for my house with no other loans outstanding and pay all of my credit card bills in advance. Balances have always been about the same yet the score has never been changed from XXXX. 

I talked with a TransUnion rep and got nowhere except to contact this agency. Please forward to ALL credit unions.

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 2022-10-17
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 
Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. 
Best Regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-10-31
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2023 I contact Citibank customer service at XXXX to request a dispute of a charge for a vehicle repair that was never performed. I explained in full detail that the vehicle was brought into the repair facility because it was running rough and was then towed back to my home and dropped off as " fixed ''. It actually no longer runs. I stated to the representative that there was no evidence any repair had been done, no replaced parts were present, no invoice or any repair documents of any sort were left in the vehicle. I also stated I contacted the repair shop and they blamed the tow truck driver and did not reverse the charge.. Additionally the charge the merchant made to my credit card was more than agreed. 

On XX/XX/2023 I received a letter from Citi indicating they need more information about the repair, receipt documentation of what was done etc. I contacted them again at the above number and re-stated everything I had done before. I was then told to put everything I had told them on these XXXX occasions in writing and send to them. I have attached that letter that I delivered to them via email " XXXX ''. 

On XX/XX/2023 I contacted Citi for a status and was told that my dispute was denied. I challenged this repeatedly with the agent because how can a merchant make a charge on a credit card and provide no evidence any service was or product was delivered and actually return the product in worse condition that when given to the merchant? The agent said all he could do is to request it be re-opened and I would be contacted within XXXX business days. I was never contacted.

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 2022-11-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: GA
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:
This is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX : {$2100.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in the process of purchasing an automobile for my business and was concerned on why I am getting denied due to my excellent payment history. I decided to check my credit on www.experian.com. 

Upon checking my credit report today XX/XX/XXXX I noticed a collection account from XXXX which states it was opened on XX/XX/XXXX and is a XXXX account. which is {$3.00}, XXXX past due as of XX/XX/XXXX. I attempted to contact the company on their website https : //rentrecoverysolutions.com/ to dispute the inaccurate information to no avail. There was not a dispute label or contact method available to dispute immediately. 

This account does not belong to me. The original debtor is XXXX at Champions per my XXXX credit report. I also noticed additional name spellings and also addresses and phone numbers that are NOT mine. 

I have never resided, nor heard of such community. I've resided at my residence since XXXX which is a house and do not have need for an apartment. 

Below you will find an energy bill from XXXX which has my current home address, a copy of my lease agreement and a copy of the negative item on my credit report.

Company response to consumer: Closed with explanation