BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
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: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 disputed a paid-close account ( XXXX XXXX # XXXX ) opened XXXX. My issue with the account was not resolved. I spoke with XXXX XXXX on XXXX about my account # XXXX and having it removed. The agent informed me that upon completion of payment for the account XXXX XXXX sent out a notice to have it as paid status and removed from my credit report. She also stated that I would have to contact the credit reporting agencies to inform them of this and to have the account removed from my credit report.

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 2020-08-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Used Debit Visa card for a deposit. Cancelled the order never got merchandise. Merchant did nit respond or credit my deposit. 
Contacted my bank who gave me a credit While they investigated my complaint. Their policy was to issued credit while investigation.. 
Usaa reversed my credit on XX/XX/XXXX despite my submitting the documents they requested 3 times for proof of dispute.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
I am a victim of identity fraud. Credit bureaus are reporting fraud information on my credit report. There should not be any damages to my report. 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: CA
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:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 
I reached out to the courthouse they sent me this letter in the mail that I will attach they do not report my bankruptcy to the credit agencys, somehow they wont give me the method of how they are validating this information. I asked the third party vendors to not share my information as I have consumer laws in place to protect me! They continue to ignore me 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX ACCCOUNT # : XXXX DATE FILED : 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 2022-09-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my credit with Experian several years ago. I have since changed my phone number associated with the account. When you call in, there is no way to get to a live person to unfreeze your account if you don't have your original number. 

Through incredible persistence, I was able to hound the corporate office through numerous phone calls until I got a live person, but this took well over five hours. Many times when I called the corporate office, I would explain the situation and they would just transfer me back to the robot. Finally, I was able to get a person who had some sympathy and transferred me to a real person. 

It may seem that poor customer service is not something that this agency deals with, but I would suggest that a group that has so much power of peoples ' lives have some responsibility in assisting them. 

I highly recommend that your office tries to call and see for themselves just how ridiculous and frustrating this company is to deal with. I can't imagine how someone who is less technical than I am ever gets help.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

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 2021-06-11
Company: NRA Group, LLC
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2022-09-16
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received an email stating suspicious activity on my account. I called into Capital One Bank and they told me I was accessing my account on XXXX different devices and that's illegal to do so they ended my banking relationship. I told them I do access my account on my XXXX phones in the home sometimes I have XXXX or the other with me. They said that didn't matter I cant do that. They closed my account and now are holding my funds. I have no monies available to me now and have to wait XXXX days for any funds to be mailed to me. They were rude on the phone about it. I have never had a bank do this to me. I have always been able to use my different devices and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio Recovery Associates LLC successfully managed to file and win a judgment against me without me knowing anything about their claim. I received a letter from a local court notifying me that Portfolio Recovery Associates LLC was granted a hearing for a default judgment against me that has since passed. 

I have never had any type of account with Portfolio Recovery Associates LLC. My name is very common in the XXXX Texas Region. Additional, the veracity of the claim hasn't been fully explored ( by me, the defendant ) beyond a shadow of a doubt that includes examining the subject account 's owner ( 1 ), receiving a full accounting of all charges ( 2 ), full account payment history ( 3 ), reviewing the account contract ( 4 ), plaintiff 's evidence of subject account ownership ( 5 ), reviewing the original creditor 's sale of debt contract for possible riders restricting legal action of subject account ( 6 ), evidence of plaintiff 's attempts to make me aware of an impending lawsuit prior to filling ( 7 ), determining if the plaintiff 's legal work is being performed out of state or within Texas ( 8 ), reviewing the statute of limitations for the action ( 9 ) - among other considerations.

As such, Portfolio Recovery Associates LLC is disregarding federal laws designed to protect consumers at large.

I urge the federal government start a full-scale audit/investigation on Portfolio Recovery Associates LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in any way to get any illegal judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been a Citibank credit card holder for over 32 years and due to the latest bank crises in California I decided to open a checking account with Citibank to distribute my funds. I opened the account online and transferred {$9000.00} to the newly opened account using my bank account with XXXX XXXX that, by the way, has been on my Citibank credit card file for 32 years, it is the account that I use for autopay my Citibank credit card. shortly after, they cancelled the newly opened checking account and refused to refund the money stating that it may take 2 months to issue a refund for " security reasons ''.

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 2021-03-11
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Step 1 : What is this complaint about? accounts were opened fraudulently in my name on or about XX/XX/2020 using an email account XXXX with XXXX XXXX  and ASPIRE card Step 2 : What type of problem are you having? i can not close the accounts and the people refuse to acknowledge these accounts are pure fraud and then then demand payments and demand my filling affidavits that do not arrive in the mail on time ... why should the affidavit forms arrive on time by mail?? the US Postal Service in is in disarray Step 3 : What happened? see abover Step 4 : What company is this complaint about? XXXX  XXXX  and ASAPIRE CARD and in a way the XXXX XXXX people ( an encripted email provider based in XXXX and apparently a favorite for identity thieves Step 5 : Who are the people involved? folks in both companies discover card aspire cards and protonmail.com also people who were staying at my house for a few month s are likely involved as well as a XXXX XXXX who recommended the folks be invite in can be reached at XXXX XXXX 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 2021-06-11
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent Synchrony Bank ( PayPal ) a Debt Validation Letter on XX/XX/XXXX. I did not receive any communication from Synchrony Bank ( PayPal ) confirming my alleged debt of " {$4600.00}. Nor did I receive notice of right to dispute from Synchrony Bank ( PayPal ). 

I sent Synchrony Bank ( PayPal ) a Cease and Desist Letter on XX/XX/XXXX. I did not receive any communication from Synchrony Bank ( PayPal ) confirming my Cease and Desist Letter. Since then, Synchrony Bank ( PayPal ) has harassed me through excessive communication tactics after I've told them to stop contacting me. The dates of the harassment are as followed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the comments of each communication uses the words an attempt to collect debt that is a violation of USC Code 1692b ( 5 ) and USC 1692e ( 11 ). In addition, I was sent a letter via post card by Synchrony Bank ( PayPal ) with the words an attempt to collect debt, after the cease and desist letter was sent. This is a violation of USC Code 1692b ( 4 ) and USC Code 1692f ( 7 ). Synchrony Bank ( PayPal ) has communicated to me by post card after the cease and desist letter, that is a violation of 15 USC 1692b. These excessive and harassing communications after I sent a cease and desist letter on XX/XX/XXXX is a violation of USC Code 1692e.

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 2017-08-01
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
MY our case XXXX. My account has been limited on XXXX XXXX,2017 and I have {$850.00} in there. I was told that my funds will be on hold for 180 days and I will be able to withdraw then. Please release my funds its been 180 days since I 've been waiting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 XXXX  account XXXX XXXX XXXX, account # 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 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 2023-11-09
Company: Park Hill Holdings
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I noticed that I have hard inquiries on my credit report is affecting my credit score, I did not authorize these inquiries and request them to be removed off my credit report immediately. thanks

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 2022-04-06
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today on XX/XX/XXXX I was contacted by attorney by the name of XXXX XXXX called and stated that this debt was owed by my father gave his birthday name address my mother 's email and told him that he owes a debt of {$13000.00} and that he has to pay it my father being in bad health gave the phone to my mother she then found out that this was a debt from a wreck in XXXX it has nothing to do with my father nor my mother nor my father 's phone number or email which he has contacted and stated that he owes the money he is in direct violation of the above mentioned laws I have been paying on this debt and have been in direct contact with the collector for them to use such tactics is intolerable and unacceptable I would like to have the complaint on file and also be known for any further collection he or the firm has to be null and void i will not allow my father who is in bad health to be harassed and it not go unpunished with that i hope that the tactics above mentioned covers the debt it's time these type of actions be held accountable ty again for the help in this regard

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 2021-11-10
Company: World Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are reporting a false balance. They are actually reporting two different balances and also are reporting 30 days late on a charged off account to all 3 credit bureaus. This is a violation of the fdcpa. They are reporting {$540.00} and or a balance of {$710.00}. How is this possible.

Company response to consumer: Closed with explanation