BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: AL
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 is reporting an account on my credit report with no creditor listed. I have been unable to send out validation request because I am unaware who is reporting these accounts or if this account even belongs to me. I have sent 3 dispute letters to Equifax since XXXX of 2021 asking them to investigate this account and I have yet to receive a written response or see any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made several purchases at XXXX XXXX XXXX XXXX during the month of XX/XX/XXXX on XX/XX/XXXX I returned some items and XXXX XXXX XXXX XXXX refunded back to my card XXXX. I XXXX on XX/XX/XXXX to advise my credit has not appeared on my bank account I spoke to a manger XXXX who researched the transaction and confirmed everything posted successfully on their end I tried calling Citizens for 2 days each time got uneducated reps from across seas who gave me the run around. On XX/XX/XXXX I filed a XXXX XXXX XXXX complaint because I still have not received my credit and keep getting the run around from citizens, On XXXX a representative from the office of Chairman contacted me and said they were looking into my issue and would get back to me and have my account credited ASAP I was also asked to email a copy of my receipt confirming the transaction from XXXX XXXX XXXX XXXX I did this within minutes after hanging up with the rep from the office of the chairman. I called citizens on XXXX after being on hold 22 minutes from a rep from across seas was told my call could not be transferred to the office of the chairman someone would call me within 2 days UNACCEPTABLE SERVICE! I am beyond frustrated Citizens has not resolved this issue or contacted me for a resolution! The service at this bank is TERRIBLE I have been a customer for years and most recently with the service I have experienced will be looking to do my full banking with my current credit union! Citizens needs to post my refund IMMEDIATELY! Once again I am attaching my receipt from XXXX XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. Yet they ( Equifax ) has violated my rights several times. I demand the unauthorized inquiries listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax any written permission to furnish these accounts.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Conduent Incorporated
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was compromised, there are 7 total charges that I had. 2 of which have been credited by not the others, they tell me that yes those will be credited by the time I get my new card. I have got my new card and the remaining credits are still not there and they may not get credited for 45-90 days. This is a XXXX  XXXX  card!!! These charges are from CA I live in South Dakota! I wait on hold for hours to hear " oh it will take 45-90 days '' I was told first that it would be reversed by the time my new card gets to me in 3-5 business days. I now call and still hours on hold to be told that IF the Fraud departments shows that these are not correct charges that I will receive my missing {$250.00} back to my card AGAIN I LIVE IN SOUTH DAKOTA NOT CALIFORNIA!!!! Asked how my card was compromised and a bunch of charges were charged and NO ONE CAUGHT IT!!! Again on hold still 1 hour and 8 mins!!! This is my childrens  money!!! Maybe I need to file a lawsuit agains this " go program card '' you are dealing with XXXX  XXXX  and government money going to people!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
Capital one credit card manager did not honour my charge back rights and supported criminal unauthorised charges helping out merchant thieves twice, so taking my money from my account and not providing me the resolution as legally required. I called about 10 times with up to 1 hour waiting and explaining, also sent 5 emails and still got ignored and disrespected away from my legal rights.

These were the two unauthorised and rebilled charges and attempted theft : XX/XX/XXXX PURCHASE ADJUSTMENT AirfareXXXX XXXX ... XXXX {$66.00} XXXX Posted : Mon, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : PURCHASE ADJUSTMENT XXXX XXXX XX/XX/XXXX TRANSACTION REBILL AirfareXXXX XXXX ... XXXX {$66.00} XXXX , XXXX XXXX Purchased : Wed, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : TRANSACTION REBILL XXXX XXXX XXXX XXXX  {$66.00} XXXX XXXX PURCHASE ADJUSTMENT Car RentalXXXX XXXX ... XXXX {$81.00} XXXX Posted : Thu, XXXX XXXX, XXXX Purchased By : XXXX XXXX Appears on statement as : PURCHASE ADJUSTMENT XXXX XXXX XX/XX/XXXX TRANSACTION REBILL Car RentalXXXX XXXX ... XXXX {$81.00} XXXX XXXX XXXX, XXXX XXXX   Purchased : Sat, XXXX XXXX, XXXX  Posted : Thu, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : TRANSACTION REBILL XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I gave {$310.00} to Home Advisor to get a contractor to install an air conditioner. They didn't call and my neighbor offered to do it during the heat wave in XXXX. 

They will not refund my money. The bank said there is nothing they can do. Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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:
I submitted a complaint last XX/XX/ for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2022-09-08
Company: Paypal Holdings, Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name 's XXXX XXXX I had a Venmo account and they claimed I had suspicious activity on my account and decided in XXXX to freeze my account for six months basically cause they wanted to I asked for them to show me reason why they claimed it to be suspicious they wouldn't give any then they decide to close my account so now six months later when I'm supposed to get my money like they said I get a email saying this " You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 


Hello, Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

If you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 

Team Venmo THIS EMAIL IS A SERVICE FROM VENMO. 
[ XXXX ]

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 recently discovered XXXX XXXX was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did XXXX fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached XXXX on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.

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 2017-09-11
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have been receiving repeated robocalls all summer from a place called XXXX XXXX XXXX that is reported online to be an alleged debt collection agency with murky practices. We do not owe any debts whatsoever. Our latest call was received today ( XXXX/XXXX/17 ) around noon MST. The recording today ( and each one previously ) does not identify a specific problem, but urges the victim to call back because " this is not an advertising or sales matter '' and describes it as " important. '' Today I called the telephone number back and discovered that a recorded voice gave me two choices : 1 ) if I was " ready to pay my account in full '', I should have my bank card handy to do so or 2 ) I could press 2 to  speak with an operator about the matter. We do not have an account number and we do not owe any money! This is clearly either a scam or they are trying to chase down a collections account from some other person. No matter which situation, I want these telephone calls to cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX - there is no balance information on this account or any dates.

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 2021-02-16
Company: Sequoia Financial Services
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: Information belongs to someone else

Complaint:
not mine ive tried to remove and i do not have an account with them and it keeps adding to the amount and never removes i have disputed this multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: LA
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-04-25
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: Reporting company used your report improperly

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

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.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
duty pursuant to the FCRA, it is EQUIFAX to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX  XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2019. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, XXXX  XXXX To whom it may concern, I XXXX XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 - 433.3 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury. 
in accordance with the written instructions of the consumer to whom it relates. 
Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional XXXX is in violation of 15USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be exculded from the consumer report. 

I, XXXX XXXX XXXX Never gave XXXX any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer I'm demanding a deletion of these accounts. 

1. XXXX XXXX XXXX - {$1700.00} OPENED XX/XX/XXXX, {$0.00} XX/XX/XXXX 2. XXXX  XXXX XXXX - {$1000.00} OPENED XX/XX/XXXX 3. XXXX XXXX - {$560.00} XX/XX/XXXX, {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX XXXX {$2500.00} OPENED XX/XX/XXXX 5. XXXX XXXX XXXX XXXX BANK XXXX XXXX OPENED XX/XX/XXXX 6. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 7. XXXX XXXX {$0.00} XX/XX/XXXX 16 A.R.S. Rules of Civil Procedure, Rule 80 Formerly cited as AZ ST RCP Rule 58 ( e ) Rule 80. 
I XXXX XXXX XXXX XXXX declare under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/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 2018-04-16
Company: Franklin Collection Service, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Franklin Collection Service XX/XX/2014 Contacted Franklin Collection to ask them how do i owe this bill was never given a reason as to how i owe this balance

Company response to consumer: Closed with explanation