BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-25
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My phone was hacked and XXXX was transferred to a pay anyone option. Chime is the bank. I never authorized or give permission. Didnt request pr receive anything nor service. Funds transferred to a bogus email and chime Locke my account and refused to return my koneybafter untold them my phone was hacked and I didnt authorize XXXX for any reason. Chime states that the ip address used to transfer the funds is my phone and I told them again my phone was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Repeatedly and without exception over the last 2 years, when I have attempted to move funds from Venmo into my bank account, I have encountered the same obstruction. 

Either the password that I submit is rejected and the reset fails, or when I try to receive the verification code to initiate the transaction, I receive a pop-up message saying " Code Not Sent. Please try again. '' The last time I failed to retrieve moneys held for me by Venmo, I eventually reached the the supervisory level, where a very nice supervisor named XXXX XXXX was able to temporarily resolve the issue, but only by setting up a new and different account, cancelling my old account, and transferring funds by a workaround into the new account. Now that account is presenting the same issues. 

Attempts to resolve the issue through Contact, Help or Support are invariably met with computer generated FAQs that do not relate to my problem. 

Today I found that the FTC had already filed a complaint against Venmo in 2014 for what appear to be the same complaints. Why are they still getting away witih the same dirty tricks unscathed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: Experian Information Solutions 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:
XXXX am not liable for this debt with XXXX XXXX, XXXX XXXX XXXX and XXXX  and they did not provide me with the original contract as requested.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On or about XX/XX/2022 I tried to send {$250.00} via Venmo to a friend who was having financial problems. She didn't know how to set up her bank to receive so she rejected it, with the help of a Venmo customer service agent. Because of that they froze my Venmo account and they have not transferred the {$250.00} back into my bank account. I have worked with a customer service agent probably 10 times, twice today, and nothing. Change passwords. I have done that about 6 times. Send in my ID to verify myself. I have done that 3 times and they keep asking me to do the same thing over and over. I have corresponded with them over 20 times via email since then and nothing. They keep asking over and over for the same thing. Change my password and verify my ID. I want my money back and they don't seem to want to give it to me so I came here for help. I can not get into my venmo account to get anything like the inability to transfer to payee. If you want copies of all the emails, XXXX correspondence or anything else let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
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: Information belongs to someone else

Complaint:
I applied at XXXX XXXX XXXX today XX/XX/19 and when they called me back to tell me if I passed the credit check I was told that I did not qualify to rent there because I had several inquiries and accounts in negative or below average standing. I had no idea about these accounts because none of them belong to me. I did not open any of these accounts/inquiries nor did I give anyone permission to open them in my name. I have already filed a police report regarding these suspicious accounts on my report. I did not benefit anything at all from these accounts nor did I take part in any purchases or payments towards any of the accounts. I have never had any type of relationship or contract with any of those companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. O n XX/XX/2020, FACTUAL DATA add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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 XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights.

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 written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Additionally, please be advised if XXXX XXXX XXXX XXXX XXXX has or continues to report invalidated information to any of the three major credit agencies ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. As such, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for violating the FDCPA and defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: AmeriCollect
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XX/XX/2022 Wells Fargo sent me a letter said I applied for cc app but had missing info and I never applied for one and I am not a customer of theirs. I do not have an account with them or every applied for anything associated with this bank. I contacted Wells Fargo and they put in a dispute ID XXXX and sent another letter saying contact 4 other agencies XXXX, XXXX, XXXX, & XXXX to confirm their action of file consumer dispute. I contacted XXXX and they suggested I go online to file report. XXXX does not see anything on credit about Wells Fargo. Concerned about fraud

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 2021-04-10
Company: RENASANT CORPORATION
State: TN
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 numerous fraudulent accounts 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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2021-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing is charging Illegal " Property Inspection '' charges on mortgage account. We have paid on time and proved via SPS Payment History showing all payments current and never paid late. Enclosed is our SPS mortgage statement dated XXXX XXXX XXXX for our next payment due XX/XX/XXXX. This statement has a " Property Inspection '' charge of {$40.00} that is illegal under XXXX XXXX servicing Section 9202.3 that is only to be charged in the event of mortgage delinquency. We requested SPS payment history which was provided from XXXX to current due XXXX XXXX XXXX. It clearly shows no delinquent or late payments. This is exactly how XXXX XXXX mortgage, our prior servicing company, started to harass us and lead to XXXX XXXX not crediting our mortgage payments and charging late fees and escrow payments increased. We will not be harassed by another mortgage servicing company charging ILLEGAL FEES to steal money from homeowners. We want a stop to this ILLEGAL actions by Select Portfolio Servicing immediately and CFPB take action to stop them and file civil actions against them if warranted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: AZ
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 filed investigation for collection account on my Equifax report for XXXX XXXX XXXX. The collection agency failed to respond within 30 days of me requesting validation of the debt. I requested name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, and all notices required by law. The collection agency failed to furnish this information. Equifax failed to remove this information from my credit report when I requested and provided proof the collection agency failed to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked Cavalry, repeatedly, in writing on XXXX 2017 and XXXX XXXX, 2017, to verify this debt ; including, the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) the date of which said debt was initially considered delinquent ; ( 4 ) Proof that you are licensed to collect debts in Illinois As of today, they have not provided me with the information requested. They have only sent a letter acknowledging my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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:
I was recently a victim of stolen identity and someone obtaining a credit card in my name which did damage to my credit. I disputed this with the credit bureaus and the bank. The credit card was removed by all three credit bureaus. For over a month I have paid down my two existing credit cards by thousands of dollars yet Experian still has not reflected the correct balance on my report and they keep lowering my score for no reason since the identity theft. When I file a complaint they ignore it. These companies can destroy our lives doing this and it's just not fair. Neither XXXX or XXXX is doing this. It's only Experian. Can you please assist with this because people can't fight back if they're ignored. Thank you.

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 2023-06-07
Company: EQUIFAX, INC.
State: OH
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:
The Consumer Credit Transaction with your financial institution executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and Equifax. The provisions of 15 USC 6801 ( a ) state it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given XXXX XXXX, consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information I was not informed. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above mentioned Consumer Credit Transaction, without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to non-affiliated third parties ( i.e XXXX, Equifax, and XXXX ). With that said, your company has not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: Credit Center, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is related to my debt collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was sold to some other company at the end of my XXXX .. All the bills were paid until then. But since the company was changing they were not able to collect anymore and i was told that I will get bills to my home.. This never happened, instead it directly went to Debt collection.. The debt collection agency ( Credit Center LLC ) reached out to with a higher amount which was not matching my insurance records.. I asked for entire statement since start including billed codes to the insurance.. which was sent to me till date by the debt collection agency.. They created 2 accounts for the debt collection and reported 2 late payment, which is unethical.. 

Reasons : Incorrect/higher amount requested, no attempt made by hospital to collect in the initial stages, information requested with additional billing proofs never provided Regards, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put a an initial fraud alert on all three credit bureaus on or about XX/XX/2023, yet there has been hard pulls on my accounts after this date. 

I have contacted all of the credit bureaus and could not get them to remove these sham/bogus/not initiated by me checks on my credit.

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 2022-12-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a call from an anonymous number stating that they were a courier attempting to deliver documents pertaining to a debt. I said that I would be at work during their deliver time and asked who or what the debt or account was for. I was given the following number : XXXX. 
When I called a very brusque and insistent operator named XXXX attempted to 'verify ' me and then said I had an unpaid debt on a Wells Fargo checking account that was closed in XXXX. The debt allegedly originated from XXXX. I was told a judgement had been made in the amount of {$950.00} stemming from an initial debt of {$720.00} left over when my account was closed. When I asked for verification I was told to 'XXXX  5 year federal debt charge ' and they then hung up. I received a call back threatening legal action if the debt wasn't paid. I have no record of any such debt. 

I then contacted Wells Fargo ( with whom I did hold an account with around that time ) but they said they had no record of an unpaid balance. I do not know if this debt is valid but have no way to confirm other than with Wells Fargo who says it is not. 
I am concerned that this may be fraud or that I will have some judgment stemming from this as the collection agency does have my valid social and some vague amount of account history. My credit is ostensibly being held for ransom. I don't know if an account was fraudulently opened or if that is a scam outright.

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 2022-09-12
Company: EQUIFAX, INC.
State: IL
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:
The credit report shows two XXXX XXXX accounts with late payments for the last 36 months, whereas I made all payments on time and agreed with XXXX XXXX. 

The credit report also shows a XXXX XXXX account with late payments for the last 36 months, whereas I made all payments on time and as agreed with XXXX XXXX.

Company response to consumer: Closed with explanation