BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/2023. I reached out to XXXX XXXX on XX/XX/2023. I reached out to Equifax on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: United Recovery Solutions
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2018, I received a phone call and voicemail from XXXX XXXX stating she was attempting to contact me to locate me from the civil litigations department, and they were sending a couier to my place of employment within 24 hours if I did not contact them, and there would be a case filed against me resulting in a judgment. This same message was also left on my husbands voicemail as well just 2 minutes after calling me. When I called the number back I spoke with XXXX XXXX who stated she was a representative with an attorney 's office, and I asked her if she worked for the State of Texas Attorney 's office since she was calling from an XXXX number and she told me she did. I asked for the name of the attorney and was only told there are several attorneys in her office. So I asked for the name of the company, and she state United Recovery Solutions to which I replied this is a debt collector. I told her not to call again and send all correspondence through the mail. My husband not knowing what was going on returned the call on his voicemail and without verifying ANY information except his phone number proceeded to speak to him freely about the alleged debt, and told him they were sending a courier out to serve me with papers at my place of employment. Shockingly no one ever showed up. On XX/XX/2018 I called this number back and spoke with XXXX who informed me no courier would be coming and asked if I was aware there was a notice to appear filed against me. I told her no because I was never served any papers. She asked if I would like this information over the phone. I told her no I would like everything in writing. She immediately hung up the phone. Throughout the day on XX/XX/2018, I spoke with several people in this office and recorded all conversations. Several times I was hung up on, and put on eternal hold as soon as they heard my name. Every time I called back. When I asked for a physical mailing address the phone would " break up '' only then and with each person ... I was denied a full physical address. I requested a letter in my email from this " company '' and even the letter head does not have a complete address.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: NY
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:
Experian ignored my fraud alert and provided a credit report and other personal information to obviously suspicious inquirers. They make no effort to secure or verify any of the information they possess. They further allowed the fraudulent actors to create an account using my personal information but linked to an email and phone number in their control. That way, when I tried to correct Experians mistakes, I was unable to even create an account. And they dont answer their phones.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Chime Financial Inc
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute about my card being compromised and my account was depleted in the amount of {$200.00} Chime opened up an Investigation back in XX/XX/XXXX of year of XXXX I was told the issue will be resolved by XX/XX/XXXX however it is XX/XX/2022 Ive called several times and they have not resolved the issue I filed a police report submitted documents and still havent got a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To Whom It May Concern, I am writing to file a formal complaint against PayPal regarding the permanent limitation of my account. On XX/XX/XXXX, I received a notification from PayPal stating that my account had been permanently limited due to a violation of their acceptable use terms. The notification referenced selling items, which was confusing because I have never used my PayPal account to sell anything. I have only used it to make purchases and send/receive payments from friends and family. 

I contacted PayPal and spoke to a supervisor who stated that they could not provide me with any information on the ban and that there was no appeal process. I find this unacceptable and unfair, especially since I have never had any issues with PayPal in over a decade of using their services. 

I was not notified of any suspicious activity beforehand, nor was I given the opportunity to appeal the decision. Additionally, none of my purchases have ever violated their acceptable use policy, as they are all from vendors who use and partner with PayPal. 

As a result of this permanent limitation, I am now unable to fulfill subscriptions and payments that I use to run my wife 's and my businesses. This has caused a significant disruption to our operations and has negatively impacted our income. 

I believe that PayPal 's actions violate the Consumer Financial Protection Act, and I request that the CFPB investigate this matter. I am requesting that PayPal immediately lift the permanent limitation on my account and provide me with a detailed explanation of the violation that allegedly occurred. I also request that PayPal establish a fair and transparent appeals process for customers who have been subjected to permanent limitations without notice or explanation. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: NC
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:
Experian will not take off a collections account from XXXX XXXX XXXX, This account was removed the reappeared back on my report which is extremely odd. This account is closed and needs to be removed from my experian 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 2019-04-12
Company: Consumer Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
XXXX  OF XXXX FLORIDA IS TAKING ADVANTAGE OF THEIR ABILITY TO REPORT TO THE CREDIT AGENCIES AND IS REPORTING NEGATIVE INFORMATION TO MY XXXX REPORT AFTER I CONVERT MY XXXX XXXX TO A XXXX XXXX BACK IN XX/XX/XXXX, I MY CASE WAS DISCHARGE XX/XX/XXXX AND I RECEIVED THE FINAL DECRED XX/XX/XXXX BUT XXXX   OF XXXX FLORIDA REPORTED LATE PAYMENTS IN XX/XX/XXXX AND XX/XX/XXXX ALSO REPORT FULL BALANCE IN THE ACCOUNT WHEN THEY REPOSSESSED THE CAR IN XX/XX/XXXX AND THE CAR WAS SOLD IN A AUCTION IN XX/XX/XXXX, XXXX XXXX AND THEY ARE ABUSING THE SYSTEM

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America is over charging interest on credit balances.

The statement with closing date of XX/XX/2018 shows my payments of {$120.00}. and a payment of {$1000.00}. However under the column " Balance subject to interest '' it shows a larger, wrong amount which does not reflect the payments. Bank of America is charging interest based on a larger, wrong amount, thus robbing their customers that carry a balance. The bank also closed another credit card account, without prior notice, even when I had maintained current on all payments. This had damaged my credit, without a 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 2018-09-06
Company: AmerAssist A/R Solutions, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX or XX/XX/2017 I visited XXXX XXXX XXXX   XXXX in XXXX, CO. I had work done including an XXXX on a small XXXX. I had asked the office to pre-authorize the work. 6 months later I received a bill that there was an unpaid balance that was overdue, but it was the first communication from the office. 

While trying to discuss the information with the company they deferred it to : Offender : Amerassist Country : USA State :  Ohio City : XXXX Address : XXXX XXXX XXXX Phone : XXXX Site : arsolutions.com Since I have written documentation from XXXX XXXX XXXX XXXX that because of the situation they are going to simply write off the balance and to ignore invoicing. I have communicated this information to Amerassist and provided them with the written documentation. They refuse to close the account and continue attempts to collect money for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: CDI Affiliated Services, Inc.
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CDI is trying to collect debt which is not mine. I am not liable for this debt. I did not sign, oral, or implied to be responsible for a work related accident. I was ordered to have the ambulance my former employer called, when toxic chemicals were released in the workplace. I did not call the ambulance for service. I since recovered and all medical bills have been paid for this work related accident by the insurance, however, this creditor " XXXX XXXX XXXX " did not file a lien against the workers compensation case to get paid. I gave them all the information and yet they did not file a lien and said they have no one in the office that knows workers compensation procedures. I even sent them the forms to file a lien and told them when the case is closed the insurance must pay them before the case can be closed. They did nothing and now they are coming after me for their incompetence. They insist that I must pay and threaten me with legal action, and ruining my credit. I asked them to remove them adverse erroneous information from my credit report but they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report today as I am getting ready to buy a house next year and checking to see what is on the report. I was shocked to find XXXX XXXX having an open collections for a debt that I have no awareness of. I had XXXX XXXX years ago and switched to a different insurance company due to better rates. I am not sure why this debt is on my credit report, I received no correspondence of this and it needs to be removed. This is absolutely outrageous and it has tanked my report! Are we not allowed to switched insurance companies now if we are unhappy with their services and rates? I received no correspondence of this either to give me an opportunity to discuss this and have this resolved and now they have tanked my credit scored. This is not okay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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: Account status incorrect

Complaint:
I called XXXX to inform them that I have been negatively impacted on my credit report. Although I made my payment in full on the website, they stated the reason for the negative impact was due to interest that was not paid. I explained to them that the interest was not reflected in the payment request online. Had it been reflected, payment would have been made. The person ( XXXX ) in Consumer Credit Specialist Department agreed but stated the only way she can discuss making the change with the credit bureau was if the mistake was done by a third party. 
I believe this is unfair since the bill did not illustrate correctly. Please have XXXX update my credit report and remove my negative impact.

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 2021-07-10
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
During refinancing my house, multiple companys have pulled my credit score and equifax score does not report out. Contacted equifax regarding the issue and multiple times and they could not figure out why my score is not getting reported out. They stated they can see my score and credit history but when trying to create a equifax account it gives an error message of NH and states to contact equifax directly. 

After contacting them 5 times they have not cleared up the issue and said they would have to send it to another department and should hear back within 14 days. I have asked for another contact number and they stated there is no other number and I just have to wait for them to contact me. This is going on 3 months and I still havent heard back and the issue is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: WI
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Google Compare Credit Cards Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Google pay is trying to collect a debt that was included in a XXXX  XXXX Bankruptcy a few years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
In XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, Equifax, XXXX and XXXX, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. XXXX lists my public record was updatedXX/XX/XXXX, Equifax, lists my public record update as XX/XX/XXXX,  XXXX has not updated my public record, but they also have not sent me their MOV either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
Re : XXXX Procedures I recently requested a dispute with your agency, and you did not fix the errors regarding inaccurate accounts in my credit report. The status of these accounts is incorrect. Transunion and XXXX are reporting these accounts as current with no derogatory information yet you XXXX are. You can not report an account as a charge off and current at the same time thats like being charged for 1 crime two times. I demand you update these accounts to current or delete them until you correct them, please. I have documentation that prove my dispute. Currently, I ask that you remove these accounts. If you dont remove these accounts, I have no choice but to file litigation and you will be required to compensate me for damaging my reputation and refusing to remove an inaccurate account that you failed to complete a reasonable investigation into. I would appreciate it if this matter could be solved now. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
Thank you for your time and help in this 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 non-monetary relief
Consumer complaint received 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Unaware of debt, never contacted, never validated or verified, account written off and sold and I do not have a contract with collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We were charged {$120.00} by Alaska XXXX for XXXX XXXX transaction on XXXX XXXX. 2022 even tho that transaction never went through and was refunded on XXXX XXXX on the same billing. the transaction did go through a couple weeks later and they are going to charge another 5 % next billing. we shouldn't have to pay XXXX for XXXX cash equivalent transaction.

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