BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Venmo is bankrupt. They have liabilities to customers denominated in XXXX and they don't have the XXXX They are retaliating against me by preventing me from moving funds, and converting funds to XXXX. Their customer service number plays music for XXXX minutes then goes silent. Clearly this is an attempt to get people to hang up and not get answers. Eventually the music comes back and then they assure you the wait time is XXXX minutes, but then it takes XXXX. They they come up with two different reasons for not cashing the check. First is it " risk '' department, then it is because of random metadata that they collected through unlawful spying they decide they are entitled to discriminate against me. The only " risk '' is that I'm aware venmo is bankrupt and dont have the bitcoin collateral and therefore any access that I have to money is a liability for them because it removes liquidity from their fraudulent system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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:
I have contacted Experian in XXXX and in XXXX with regards to XXXX stating they are unable to locate an account with my name and address. I sent Experian a copy of the letter received via CFPB portal stating this. However, Experian still is reporting this account on my credit file. They could not have verified this information or they would have received the same response that I received.

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 2022-05-14
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone use my Identity to Open Credit Card & Bank Account/Cash App. 
His XXXX XXXX XXXX, Phone # XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX  ( OriginalCreditor : 12 XXXX  XXXX XXXX XXXX XXXX  ) XXXXBalance : {$750.00} XXXX  XXXX Balance : {$780.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXBankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2021-12-04
Company: Experian Information Solutions Inc.
State: NY
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:
Since XX/XX/2021 I have been disputing a chapter XXXX and a chapter XXXX Bankruptcy that has been appearing on my Experian credit report but received a response that it was verified through the courts. I again disputed the public record entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified and added that they purchased my information from a third party reporting agency called XXXX. I proceeded to write a letter to the Bankruptcy court and they responded by writing that they do not report to any credit agency nor do they verify information to any credit agency, I then disputed the information with XXXX and they in turn deleted the public record from their report. 
I have furnished the letter from the Bankruptcy court and the file from XXXX report but Experian still refuses to delete these public record entries from my Experian 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 2023-10-30
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-06
Company: Law Office of Michael J. Scott, PC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continued unlicensed debt collection and harassment. XXXX is bankrupt and I'm in the process of foreclosing on them. The debt is fraudulent because XXXX commited fraud which was exposed by the collapse of XXXX and now XXXX is bankrupt. They are currently in default. I complained to the DFPI about their unlicensed debt collection activity previously. XXXX. XXXX of compliance sent me a letter acknowledging that they did not hold the required license and that I would receive no further communication from them. The XXXX said they closed the case as a result of that letter. I just received a letter from a separate debt collector who also did not have a license number. This is extreme harassment. I've had people break into my home twice as a result of the ongoing fraud that XXXX in involved in. Cease and desist. Stop contacting me. Pay me NOW! Stop making loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Duvera Billing Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a payment to XXXX XXXX Department of Water and Power Via bill pay for XXXX dept do water power states they didnt receive payment. I requested proof of payment from Bank of America. I contacted XXXX and they stated payment not received. Filed fraud claim with Bank of America XX/XX/23 completed affidavit faxed to Bank of America. I contacted Bank of America on XXXX to verify update spoke to a manager XXXX said my case has not been updated since XX/XX/23. So nothing is happening with my fraud case no update or resolution. I am still out XXXX Bank of America has dropped the ball. They cant tell me how long this can take to resolve. I filed a complaint with Bank of America. Case Id 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 monetary relief
Consumer complaint received 2023-08-01
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  owes me money. They have garnished my credit score for a claim of thousands owed. They have in part made me homless, carless, and unhireable due to the debit I paid in full, reopened the bank account and am being told to repay the same debit after it was already paid settled. The XXXX XXXX fraud case for settlement of {>= $1,000,000} owed to consumers is what their trying to get away with SHYSTING people like me. I have suffered damages because U.S. Bank give my information to criminals with their FRAUD business.

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 2019-07-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a missed payment on my credit report ; I have never missed a payment

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 2021-12-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This bank is crazy Im a loyal customer I pay them on time I go to put gas and my card wasnt working when it always does and when I call them to find out why they say my account was closed!! I never closed it and the reason too customer service said it doesnt make sense if I was making payment on time this is not fair my account must be reponed immediately with covid the mail is backed up but that isnt my fault I still mailed my payments each month

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : 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 2023-10-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to dispute certain items on my credit report that I believe are inaccurate and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the disputed items for your reference. I have also asked all XXXX bureaus to correct my personal information. My name and it's correct spelling, my date of birth, my address and employer... I also asked for all other incorrect personal information be deleted and 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: Hauge Associates, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern : I was notified by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, CO XXXX on XX/XX/2022 that account number XXXX when into collections with a company named XXXX XXXX XXXX regarding an alleged debt. I have reason to believe I do not own this debt, because of the events that lead-up to the debt. Due to the mishandling, inputting of wrong information and losing my paperwork by the employee that worked for the Social Security office at XXXX XXXX XXXX XXXX XXXX XXXX, CO by ( XXXX XXXX ). XXXX XXXX, another employee that works at the same office, informed me that XXXX had input my information wrong and lost my documentation ( Request for Employment Information, Application for Enrollment in Medicare Part B ). XXXX XXXX no longer works at the Social Security office in XXXX, CO. I have been without my Medicare Part B for eight months. Due to the negligence of the employee at the Social Security office. I have reason to believe I do not own this debt or any debts, because of not having my Medicare Part B. Due to the mishandling of my documentation by the Social Security office, I must refile my paper work and this is going to take more time. I request all the following information be provided to me by mail. The amount of the debt. The full name and mailing adderss of the original creditor for the debt. Documentation showing you have verified that I am responsible for the debt. Documentation showing you are licensed to collect debts in Colorado. If you continue attempting to collect on this debt or seek judgment for payment of debt without written versification you will be in violation of the Fair debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by the state law of Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: PNC Bank N.A.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this complaint is abount pnc is reportin the wrong information. 
the type of problem is tring to communicate with the wrong amount of monery- I owe them.when I complain to the company, they give me the around. 
I have talked to XXXX at XXXX.talked to XXXX at XXXX. 
I have sended them information.i also talked to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: NV
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:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} or XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.

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
Consumer complaint received 2022-07-22
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:
File fraudulent claim with XXXX and the police division # XXXX. This is not my account. 

XXXX XXXX XXXX XXXX XXXX {$7700.00}

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
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 UCS 1681 1. XXXX XXXX LL # XXXX Has violated my rights 2.US Dept. Of Education # XXXX has violated my rights 3. XXXX XXXX XXXX # XXXXhas violated my rights XXXX5 U.S. Code 1681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge.

15 U.S. Code 1681c ( a ) ( 5 ) 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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 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