BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-07-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I sold a book and the person paid me via Venmo. It was not a business or sales transaction on Venmo. 

The person that purchased the book did not provide a mailing address. It took one week to obtain the address from her. ( I provided proof of this to Venmo. ) I sent the book after receiving the address. ( I provided tracking number to Venmo. ) It was received but the buyer said it took too long. I reminded her that she did not provide me a mailing address. ( I provided proof of this conversation to Venmo. ) Venmo sent me a request for information, it went to my spam folder. The day that I became aware of the issue, I contacted Venmo and provided proof. 

Venmo credited the buyer and restricted my account. Venmo stated that I took too long to respond. I was unaware there was anything to respond to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted Transunion Customer Service/Fraud Department regarding inquiries, not authorized. I spoke to XXXX he was very rude and refused to assist.

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 2021-07-25
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX  # XXXX DOES NOT BELONG TO ME. REMOVE 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 2022-09-30
Company: EQUIFAX, INC.
State: MS
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be removed according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Unauthorized solicitation to other parties. Score fluctuation without just cause.

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 2019-10-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Obtained credit under XXXX FInancing for Unlimited Upgrades for mobile equipment. 

Ordered equipment through XXXX XXXX ( XXXX ) # XXXX a XXXX  XXXX on XXXX XXXX. Was on back order. Shipped XX/XX/18 and arrived XX/XX/18. Purchased device under XXXX UNLIMITED UPGRADE ( UPGRADE EVERY 12 MONTHS NO QUESTIONS ASKED, ACCOUNT IN GOOD STANDING, HANDSET IN GOOD STANDING, ETC ) which REQUIRES one to use their XXXX FINANCING. 

I considered returning it when it arrived. Requested return shipping label. Decided to keep device, and did not return it. Account is in good standing, meets criteria for upgrading, and even received an upgrade email from XXXX telling me it was eligible for upgrade. 

I have attempted to upgrade the device from XXXX order under the UNLIMITED FINANCING TERMS AND CONDITIONS but since the returm was initiated and never completed, the order department is incapable of fulfilling the request " due to software issues. '' Specifically, their system ' can not fulfil the request because a return was initiated but you kept phone and even though you fulfilled the terms of the program and received an upgrade letter, we can not upgrade you because the system is not programmed /capable of addressing this. '' This is downright sales and credit fraud. 

Please address this. I can only use XXXX and have called 4 times and spent over 1.25 hours today on the phone trying to get a resolution, but they are unable to help, and I am stuck with a phone that I expected to be able to upgrade using their financing program. 

There is an incident # XXXX. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: GA
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 remove this inaccurate information from my credit report. 

XXXXXXXX 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 2023-01-27
Company: R.A.Rogers, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just recieved today XX/XX/XXXX a notification from a debt collection Agency : R.A.Rogers INC. The original debt from XXXX XXXX XXXX was for {$340.00}. They would not accept payments and wanted a payoff, I was not in a position to do that, I dont earn enough right now for my cost of living and present bills, I do not have {$340.00} to spare in one lump sum. The bill got ignored for XXXX as I couldnt possibly manage to sum up the full amount. Today the notification from the debt collection agency and they have added a whopping {$560.00} to the debt. Almost twice as much as the original debt, and now triple the original amount oweing. I simply can not comprehend how they think their fee can equate to {$560.00}, Ive never known an ageny to add so much to a debt before, and this isnot my first collection process. Is it even legal to add fees, I know they cant add interest but our fees acceptable? Theres absolutely no way I can afford {$900.00}, Im out of my mind right now! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ; Ph : XXXX ) sent me a letter on XX/XX/XXXX stating that I owe {$49.00} to XXXX, and they are a debt collector company acting on behalf of XXXX. I called and spoke to their customer service agent XXXX XXXX on XXXX XXXX at XXXX XXXX EST. The details mention that I opened XXXX internet and cable connection in my name and social, and I owed {$49.00} since XX/XX/XXXX. The address on file was not known to me, when the XXXX connection was originally initiated, and it is in a different state ( XXXX, NY ). Honestly, I never opened an account with XXXX and this company demanded I file identity theft police report, and hand it over to them to dispute the charges. I do not understand how this company operate, and so I would like to start an investigation in this matter since my SSN in now compromised per letter from EOS CCA. I would be willing to submit any documents or proof that will help with this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Amsher Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had health insurance at the time of my hospital visit. I should not be getting charged for the services I received at the hospital.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, Discover Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because my credit information was compromised by Experian, I put a freeze on my credit. I need to lift it temporarily, but the website I was directed to shows "under construction". When I called, the only option I was given to change the freeze state is to write them, enclosing reams of information to prove I am who I say I am. This is in spite of the fact that I have the security pin given to me when I did the freeze. I feel that they are deliberately making this difficult for consumers to discourage them from having freezes on their account. The freeze was only necessary because of their bad data practices which exposed all my information to the world. XXXX has a great online way of managing freezes and it's a disgrace that Experian doesn't.

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 2023-07-05
Company: CITIBANK, N.A.
State: NY
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:
Good Afternoon I am submitting a complaint against CitiBank and XXXXXXXX XXXX XXXX 

I had placed an order with XXXX XXXXXXXX XXXX  and the company was non responsive with the order processing, I sent a cancellation request to the company and order the pergola curtains with XXXX. The package from XXXX arrived, however a second package arrived and unbeknownst to me was placed in my garage. I received an email from a XXXX XXXX XXXX informing me that the goods were sent. I then searched my house and discovered it was placed in the garage. As per XXXX XXXX instructions the goods were returned via XXXX on XX/XX/2023 to an address he provided via email. I put in a dispute request for a refund with Citibank before the money was released and Citibank refuses to refund my $ XXXX goods that were returned to XXXX XXXXXXXX XXXX 
Citibank reason for not refunding me my money, the company stated I never cancelled the order but the company has the goods. 

Your assistance will be greatly appreciated.

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 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hi, I have a close Capital One Card starting with XXXX that was opened in XX/XX/XXXX. I had a 30-day late payment of only around {$150.00} but forgot to pay it by 2 days. I called and apologized and asked that it not be reported as a late payment. Capital One still reported it in XX/XX/XXXX. I have been trying to get this removed for the last 4 years with no success. I have 2 other cards with Capital One with limits of {$22000.00} that were opened in XX/XX/XXXX and another with a {$4500.00} limit opened in XX/XX/XXXX. Both have never been late. The late on the original was a fluke started using autopay after that incident but Capital One won't remove the late reporting. It's only XXXX which is the most check report by lenders, and has affected my getting proper credit. I have talked to numerous people and written the letters explaining everything and pretty much begging to take it off XXXX 's report, but they won't. Is there anything you can do to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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: Problem with personal statement of dispute

Complaint:
I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my reports that are not only inaccurate, but they are different reports on all three reports some stating 30 days late and 60 days late on my credit reports : paid account number : XXXX XXXX from TransUnion shows 30 days late on XX/XX/2022 with the previous month showing paid on time and the following month after paid on time as well and XXXX XXXX XXXX which shows on their file that its 60 days late but the previous month and after month paid on time unsure how a payment can be 60 days late if months before and after are paid on time ( XXXX XXXX XXXX ) shows XXXX late with the same paid on time months as listed above for other accounts. No payments were made late these consumers reports are all reporting false and inaccurate information without any reporting agency reports being the same. 

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Also please update my balance on my credit report it is not what is being listed currently on my credit reports some of the balances are different from what is shown on all three reports

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've contacted XXXX/transunion over 10 times and sent in many disputes and this public record have not been deleted even after giving them the proper paper work.The Reported Negative and Defaming information starting XX/XX/2020 on my credit report. I've sent in and debt validation letter and have not received a response with the requested all investigation.They only thing they said was we verified with XXXX. I've contacted XXXX XXXX regarding this matter and XXXX seemed to removed it off my report because it was unverifiable. Now XXXX/transunion have no right to furnish this information. I've sent in all letters receive from XXXX XXXX XXXX, and the courts. They never supplied sufficient information to me in order to to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

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 2023-08-18
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 formally requested copies of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

I let them know The listed account is entirely inaccurate and incomplete ( SEE ATTACHED HIGHLIGHTED REPORT ), and represents a very serious error in their reporting. I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office for noncompliance. 

I further reminded them that they were not in compliance as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of certified letters may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681a ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

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