BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On Transunion I only have one of the two XXXX entry because from some miracle I disputed them both 6 weeks ago and they took one off and not the other. I talked to XXXX and they said they sent an electronic message to Transunion stating the XXXX delinquency as XX/XX/XXXX. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then Transunion reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked Transunion even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter. 

On XXXX I have two XXXX entry I talked to XXXX and they said they sent an electronic message to XXXX stating the XXXX delinquency as XX/XX/XXXX on both accounts. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then XXXX reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked XXXX  even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter.

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 2018-08-24
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Please be advised I have requested validation ( not verification ) of an item reported to you. I have received either no response, or a response that does not indicate or prove the validity of the account, including proof : 1. I had the reported service 2. List of services charged for 3. The cost of each service reported Furthermore, neither You Or The Collection Company provided me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

This is my second and final notice of your violation before I will proceed with legal action as prescribed by law against your organization and the creditor listed above unless this item is deleted from my credit report within the required time allowed by law.

Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I plead for a quick response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/2018 I've been trying to work out an arrangement with XXXX XXXX, Ideal Image and I have kept up my end of the agreement. I have been making payments as discussed in XXXX and moving forward, the problem that I'm having is that they are still charging me late fees of {$37.00} every month even after I have been making my payments and reporting it to my credit report that I'm late, as per the arrangements I've been making my part. So now i need to know what are we going to do to make this correct? I was also told that my account would be fixed after making the necessary payments. I'm just trying to get my credit back where it needs to be so that I can get back on track and buy a house. I've been trying to work with this particular company and their not really helping me with my credit. Is there any way we can get this resolved so that my credit is not tarnished?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: ID Analytics, Inc.
State: PA
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 received a letter stating that a Credit Reporting company by the name of SageStream LLC had given a credit report to a lender that is inconsistent with my information on file, and that they were unable to full fill my loan as previously agreed upon, and that new terms were required. I contacted my lender directly and everything is in order and that nothing has changed. This letter appears to be some kind of phishing scam, as when I went to the SageStream website they requested a lot of personal information and copies of proofs of identity such as a driver 's licence, passport, or social security card. This seems highly suspicious and appears to be an attempt at a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 SpeedyCash lend me {$600.00} and told me they will be taking XXXX from my account every month till when Im going to finish paying but to my suprise they have been taking {$160.00} from my bank account every two weeks since then and the loan balance still remain the same. I called them to complain but they said theres nothing to do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Funds were stolen from my savings account at XXXX XXXX. One of the fraudulent transfers was made to an account at Chase Bank. I obtained the transaction number and the ach transfer number from XXXX  XXXX. I contacted the fraud department at chase bank to report this info in an effort to find who stole my money. I spoke to a supervisor in the fraud department at chase bank. He was completely uninterested in the information. He was unwilling to investigate this fraudulent transfer of my stolen money to chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed complaints for First Federal Credit Control on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX in regards to an account of {$800.00}. Although the information that has been presented by the collection agency was inaccurate and incorrect and a violation of HIPAA instead of removing or deleting the debt for its inaccuracies and for violating my rights as a patient " changes '' were made in their records to make the documentation more creditable. The reporting of this debt was made prior to allowing me to validate it which may be a violation of the Fair Credit Bureaus Act, to which can allow me to seek damages from a collection agent. The collection agency REFUSES to provide what I am asking for. I have requested NUMEROUS times for a contract or an instrument bearing my signature as LEGAL proof of the alleged debt. I did not request a " itemization of charges '' to which the collection agency has sent to my home address. Once again, I am STILL NOT requesting a bill or a " itemization of charges '' of this account because that is not sufficient documentation. I demand for First Federal Credit Control to provide a contract bearing my signature as evidence of the validity of this alleged debt. I demand that the collection agency to be compliant with my request of providing the following documentation that I am requesting, a contract bearing my signature, as that is the only documentation that I will accept as a form of validation. Until I receive the documentation that I am requesting I will continue to file complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Westlake Services, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2012 an auto loan was taken out in my name with a company by the name of Westlake Financial in XXXX. I lived in XXXX  at this time. Theres a balance of {$7500.00}. I have been disputing this fraudulent account for years now. Its now still reporting to my XXXX  and giving me the hardest time. Not the mention by state law in XXXX debt collection credit reporting has a Statute of Limitation of 6 years. Now, Ive tried and tried and tried and this company still has not taken this off. Please remove this account as it is not mine and also violates my rights by law of ( SOL ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: CAINE & WEINER COMPANY, INC.
State: PA
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:
Caine and Wiener have NEVER SENT ANY CORRESPONDENCE TO MY HOME ADDRESS, this is NOT MY ACCOUNT, I have reached out to them on many occasions only to be told this is my account, THIS IS NOT MY ACCOUNT, AND I WANT IT REMOVED AND DELETED FROM MY CREDIT REPORT, I AM A VICTIM OF IDENTITY THEFT AND HAVE SENT THEM THE COPY OF THE FTC REPORT AS WELL WITH NO RESPONSE, I ALSO FILED A CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX AND IT WAS CONVERTED TO A CHAPTER XXXX ON XX/XX/XXXX WHICH I INCLUDED THIS ACCOUNT ( ONLY REASON I INCLUDED IT WAS BECAUSE THEY WERE AND STILL ARE REFUSING TO HAVE THIS DELETED FROM MY CREDIT FILE, PER MY ATTORNEY INCLUDE IT WITH THE BANKRUPTCY SINCE ALL INFORMATION I MYSELF, ATTORNEY AND TRUSTEE HAVE SUBMITTED TO CAINE AND WEINER WITH NO RESPONSE, I WANT THIS ACCOUNT TAKEN CARE OF AND DELETED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Diversified Consultants, Inc.
State: MS
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:
This company was added to my credit report I don't know why they call and I tell them it's not my account and don't have any past debt with them and don't know who they are never did paper work with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: EQUIFAX, INC.
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:
On XX/XX/2018 I submitted an identity theft dispute to all XXXX credit reporting agencies via certified mail. I have waited nearly 60 days, without a response nor solution to accounts I've been a victim of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2018 I submitted an identity theft dispute to all XXXX credit reporting agencies via certified mail. I have waited nearly 60 days, without a response nor solution to accounts I've been a victim of.

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 2019-02-19
Company: EQUIFAX, INC.
State: NJ
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 came apon checking my credit for accuracy and found out my personal information has been used to open medical acounts and other accounts of some sort without my permission I was advised to fill out this form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In XX/XX/XXXX I became aware of possible compromises to my credit report. I ran the usual inquiries to the 3 agencies. 2 of which i encountered problems accessing my free credit report due to false info existing on them. I had to fax in personal information to both agencies to receive my free report via US mail. One company has followed through, and i was able to access my report. Equifax however has failed  to comply. I faxed all information requested on XX/XX/XXXX to phone number XXXX. I still have not received anything by mail. I try to access my report online, and none of the wrong information has been corrected so I am still unable to do so. Today, XX/XX/XXXX, I attempted to call again, and i was told the systems are being updated, and to call back later. This is what they tell me every time I call or after over 2 hours of waiting I simply give up because I have other things I have to do.I travel year round so finding the time to get these issues fixed is a monumental task.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: EQUIFAX, INC.
State: TX
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 writing to CFPB being I'm a service member serving in the XXXX XXXX XXXX by which I have a complaint and would like for this item to be removed being I have followed and sent the required doument of ( SCRA ) Service Members Civil Relief Act a while back and they are reporting incorrect information and information that is not mines. From the several complaints written here on the consumer financial protection bureau from similiar service members and veterans I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

These are the companies that are all 3 of my credit reports that are inaccurate and not mine : XXXX XXXX / XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Amsher Collection Services, 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 received a collection from an AMSHER COLLECTION SERVICES on XX/XX/XXXX that was placed on all my bureaus. the original Creditor was XXXX. I've spoken to XXXX and this account was closed due to fraud. Someone used my name and social security to open and use this account. AMSHER COLLECTION SERVICES is now trying to collect a debt that is fraudulently against my name. It's also a duplicate attempt at colelction, because on XX/XX/XXXX for the same original creditor, XXXX, a RECEIVABLES PERFORMANCE has also tried to collect a debt in a similar amount. They then sold this debt to AMSHER COLLECTION SERVICES and now the same fraudulent debt is being attempted once again by another company with a brand new collection registering against my name with the bureaus. Meanwhile my score has suffered a XXXX point hit accross all bureaus. Can we please have this removed? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion has failed on multiple occasions to properly conduct and investigate/re-investigate errors on my credit report over numerous attempts sent to them by certified mail. Specifically failure to correct incorrect and unverified information. As of XX/XX/2018 the following bellow unverified/re investigate requests have not been properly made by Transunion XXXX XXXX This account was paid through XXXX XXXX   the previous bank that owned the account. I have asked the creditor and the credit bureau to provide physical proof of this debt on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being unverified. None of my on time payments are showing on this account. 

XXXX XXXX XXXX The payments on this account have been changed over and over. It had showed payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time Transunion says the account has been verified. Clearly it is unverified because the payment history changes every month. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Transunion has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that these specific and unverified information be corrected 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 explanation
Consumer complaint received 2023-05-06
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Below is a copy of the story ( I've typed it out way too many times, so I created this copy and paste version. ) There is more evidence and transcripts I can provide, it would be too much to include and type out. I'd be happy to walk through everything that happened on the phone too. 
-So I went to transfer {$2900.00} from my Venmo account to my XXXX XXXX  account on XXXX  the XXXX. The transfer never went through for some reason. So I did it again on XXXX  the XXXX. Some glitch happened on Venmo, where it simultaneously sent the money, and yanked it back via an " add funds '' transaction. So the money was effectively missing. I contacted XXXX, they told me it was Venmo. Venmo can't seem to wrap their head around the issue, and keep trying to think I'm confused and thinking that I accidentally used the " add funds '' feature ( which can't be true, otherwise the {$2900.00} would of never left the account ). Anyways, I've been emailing with Venmo trying to figure out where the money is. ( They don't have a phone number listed. So even in a emergency, you can't contact them quickly. That is a major problem for a financial institution. ) I repeatedly told them NOT TO LOCK MY ACCOUNT. Finally on XX/XX/XXXX the money appeared around XXXX in my Venmo account. The 5 hours later, XXXX, I get a email saying they locked my account for suspicious activity. But upon logging into the app, it says it's locked for violating the acceptable usage policy. Which is it? 
Now I have $ XXXX I can't touch ( plus all future money scheduled to be deposited in that account ), all because Venmo is punishing me for daring to get mad say the issue was caused by them/their app. I need my account unlocked IMMEDIATELY! I have to pay my rent, it's over due. I literally told them at least 6 times, not to lock my account. This is very unacceptable to block MY MONEY from ME!!!! I'm literally crying now because of all this. It's like a bad dream. My money dissappear, while I have debts to pay, it finally shows back up, and before I can pay my bills Venmo locks my account up. I will be closing my account as soon as reasonably possible possible. But my payroll checks get deposited in my Venmo account. So now I can't even get paid from my job. Unlock my account now!!!!! ( this is all after a whole different issue I had with Venmo. So I think they are punishing me. Which is very illegal. I have transctipts/evidence of everything in my claim. ) '' I think they are retaliating against me for " yelling '' ( typing in uppercase ) and getting mad at them for my money dissappearing. Which I think anyone would be mad and emotional in that situation, having all their money taken/locked from them. They literally locked my account at the exact moment to inflict maximum damage. The locked it right as the account had the ( almost ) the most money it has ever had in it ( $ XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: KY
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, this creditor has violated my rights. Under 15usc1681 section 602, states I have the rights to privacy. 15usc1681 section 604a section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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