BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it concerns my problem exists with a collection agency which is reporting a collection against me. I have asked them to investigate it according to the fair credit reporting act and show me something. they have not done so in the last 6 months that I have been asking them. I have asked for proof of any kind, and they send me a bill with their name on it and says I have to pay. 

I am asking this organization to help mediate the issue with this company which ignores me and my requests and does nothing of what I ask as is my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: NC
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX Collection account Account Number : XXXX 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX Collection account Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2022-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

I then sent a second letter via certified mail on XX/XX/2022, requesting that the company cease the reporting of unverified, invalidated inaccuracies. 

The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.

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 2022-12-02
Company: EQUIFAX, INC.
State: GA
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:
I didnt Consent to these Hard Inquiries on my Report under Title 15 1681a and Title 15 1681 1 ( c ). I wasnt notified nor did I give written consent to these Hard Inquiries. Also, they Do not Match Up with My XXXX or XXXX which is In accurate information. 

Below You Will See the Hard Inquiries From Equifax XXXX. 

Then You will see my XXXX  and XXXX Please Remove the Inaccurate Inquiries and Information!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
FRAUD ON MY WELLS FARGO DEBIT CARD. UNAUTHORIZED ATM WITHDRAWALS XXXX is still pending and the other happened XX/XX/2022 I have no idea how this happened but the total stolen was over {$1900.00}. 

exercising my rights to use Electronic Fund Transfer Act as i have notified my bank within 3 days of the transaction happening. 

Filing this complaint through CFPB because XXXX transaction is pending and i cant file a claim on them through the online banking yet.

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 2019-09-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me two times 30 days late. There was an error on their part. I was never two 30 days late.

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 2023-08-22
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXX/XX/2021

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 2023-05-08
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am due a refund from a company that will not respond to me. I filed XXXX disputes with Cash App with all of the information that they requested and more. They denied both requests and refuse to give me an answer as to why. I have called customer service several times and they all say the same thing " No error has occurred and your dispute was denied '' They are like robots. This is all of the information that I can get. They will not help me and they sure are not protecting anyone 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: VA
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 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 explanation
Consumer complaint received 2020-08-26
Company: COMMERCE BANK
State: AR
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:
The last time that I had the credit card ( 4XXXX XXXX XXXX XXXX ) in my possession was after I made the monthly payment of {$160.00} on XX/XX/2020. My work associates and myself went to a lunch on XX/XX/2020 and I brought the credit card in my pant pocket in case it was my turn to buy lunch that particular day. When I returned home that day and couldn't find my card I contacted the issuing bank immediately with no resolution whatsoever.

Since that exact day I have called 11 times with average wait times totaling one hour and a half - three hours and forty minutes. Most of the time I get hung up on by a third world country citizen that speaks nearly no English. They have NEVER attempted to call me back or email me back in any way. 

Last week I received a letter stating that a payment from an unknown source was attempted and failed to pay nearly {$600.00} in unauthorized charges. The bank did nothing to prevent the continued illegal use of my card. Instead, they are charging me {$65.00} for every attempt that the thieves make to use the card and access its funds. Now the online account associated with this card has been hacked and they REFUSE to issue a replacement card or honor the VISA 0 % LIABILITY PROTECTION POLICY. 

They continue to refuse to help me to this day and let criminals rack up a near {$1000.00} in illegal charges on the card. I must now go beyond CFPB and file FEDERAL and STATE charges against COMMERCE BANK and hire an attorney to bring suit. 


*ISSUE A REPLACEMENT CARD AND INITIATE VISA 0 % FRAUD LIABILITY ON ALL PURCHASES SINCE XX/XX/2020 AND REMOVE THE DOZENS OF FEES THAT I AS A VICTIM HAVE BEEN CHARGED BY YOUR BANK AS YOU SAT ON YOUR XXXX AND LET CRIMINALS HAVE A XXXX HAYDAY WITH MY CREDIT!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/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 2023-06-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX XXXX  debited my account twice therefore I disputed with my bank. The next day XXXX  refunded one of the payments. Chase also gave me a credit and reversed one of the payments and stated that the credit would be rescinded On XX/XX/XXXX a chase rep told me an error was made and my money was not going to be returned therefore they said they would do an investigation and refund my money on the XXXX. I called on the XXXX and was told the credit would be applied on the XXXX and to call back claims on that day. When I called back they behaved as if I was lying and tried to not give me my money back. I was hung up on and then ultimately told by a lady from the executive office I can't have my money back unless I let XXXX help me. I explained to her due to FCC regulations she can't hold my money XXXX unless I adhere to her terms. She stated she can because she works closely with the FCC. I explained to her I no longer want to speak to her due to her tone and her demeanor. I spoke to another supervisor who told me nothing will be done and no credit will be issued unless I spoke to these rude women in the executive office. So unless I allow these women to verbally chastise me Chase will not return my money. Please help,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I checked my credit reports and noticed a hard inquiry that I had not authorized for Capitol One-XXXX. I reported fraud and froze my accounts XXXX, XXXX, XXXX. A few of those indicated I needed to contact capital one which I did that week via phone call. I thought they took care of the fraudulent inquiry. However I went to check my reports today as I am getting ready to purchase a vehicle. I noticed the inquiry was still on my account. I again contacted each agency to dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02
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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me two times 30 days late. There was an error on their part. I was never two 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: CO
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 have been disputing an account with Experian for a YEAR now. I have included all the letters that started back in XXXX of XXXX. 

I most recently sent them creditor verification for removal of this account on XX/XX/XXXX. 
I also included a copy of my credit report From XX/XX/XXXX and XXXX of XXXX. As you can see Experian deleted it ( I got notification on my Experian app that it had been removed ) and without any communication to me they XXXX it back on to my credit report, but changed the name of the creditor. You can see in the XXXX report its listed as XXXX ( which it has been this whole time ), On the XXXX report its listed as XXXX XXXXXXXX. 

They have violated MORE than XXXX FCRA regulations. As you can see both of the other bureaus have removed this account. This account was originally disputed because my information had been in a XXXX XXXX breach and this was XXXX of the accounts that was fraud. So after I sent in my police report, FTC Identity theft confirmation number, and dispute, Experian still refused to remove this account. And has yet to provide me with any documentation from the so called investigation they did. So a year of disputing this with them led me to again contact citi, to which they verified that the account was indeed fraudulent and I sent the letter to all three bureaus. 
Now this account should've been removed a year ago, but even at that this account is reporting PAID with outdated and unverified XXXX year negative history. which Ive also asked Experian to prove to me and they haven't. 

So, needless to say If this account is not immediately removed for good off of my credit report, I have a file of every single letter that Ive sent, all documentation from the police reports I filed, and every certified receipt copy of each letter I sent to experian, I will seek legal counsel and exercise every legal right I have against them for their blatant disregard for the law and carelessness on 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 2018-11-08
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
{$390.00} was sent to a bank account from PayPal. The routing number I entered was wrong. 2 days later I called PayPal and made the correction. The PayPal customer service woman said that the money had already gone through and the transaction had been completed. The bank says that the money did not go through obviously because the routing number was wrong. So the money would have been returned to the sender. PayPal can not do anything nor can the bank. But the fault obviously lies with PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2023 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX RE : Account # XXXX XXXX XXXX Alleged Amount Owe : {$5600.00}, Account Name : XXXX Alleged Amount Owed {$3200.00} Account Name : XXXX XXXX XXXX  Alleged Amount Owed {$1000.00} 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.

15 U.S.C 1681 section 602 A. States I have 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 the information. Any other adverse item of information other than records of convictions of crime which antedates the report by more than 7 years.

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

After removing the inaccurate information from my credit report, please send me a credit report update in 15 days from date of letter. 


Respectfully, Thanks Account Name : XXXX  XXXX Alleged Amount {$5600.00} Account Name : XXXX Alleged Amount Owed {$3200.00} Account Name : XXXX XXXX XXXX  Alleged Amount Owed {$1000.00}

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