BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2020-12-02
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
A customer tried to send the sum of {$2200.00} on XX/XX/XXXX to my PayPal business account and was 100 % sure there were no exorbitant fees involved. Eventually, I got charged {$65.00} and the money has been put on hold until XX/XX/2020 for no reason whatsoever. 

PayPal literally has no customer service. Whenever you call their number XXXX XXXX XXXX XXXX XXXX, they don't connect you with an agent. You can't even send them an email. This is just wrong in every way possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my debt ( vehicle tax trough credit but XXXX Garnished my pay check now company refused to return my money. They charge me double for money I dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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 XXXX XXXX  XX/XX/2022 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 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 2021-04-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have contacted Equifax numerous times regarding an inaccurate collection account listed on my report. They have conducted investigations with two separate disputes and they claim the listed account is valid. I have requested proof of validation several times from both Equifax and the collection agency and they have failed to provide adequate documentation. I have attached a copy of Equifax 's decision to this complaint. Please remove this account it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just recently disputed some medical bills that should have been covered by the VA. I got out of the military in 2010 and was told I was covered fully for 5 years. Two items are still showing up on my credit report and some years ago I paid this company money which I realize now I should not have paid because the same debts for the same treatment had been taken off. The company is Aargon debt collections. I need help. Part of my XXXX is a XXXX which I have a XXXX XXXX on my XXXX for. Please help

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 2023-03-25
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Every time I reach out for a debt validation letter and a proper investigation, I get a letter back stating that its verified with no proof that the debt was validation or anything. They Threaten me with a potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : XXXX XXXX XXXX Amounts. {$1000.00}, {$530.00}, {$2100.00}, {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted XX/XX/XXXX will bills for 2 dates of service stating : You owe XXXX. 

If you contact prior to XX/XX/XXXX we will cease collection on your account. 

I mailed a letter disputing these charges and validation specifics. on XX/XX/XXXX I have gotten no response. 

I was reported to XXXX for unpaid collections on XX/XX/XXXX for these bills from XXXX. Prior to the given experation I contacted via web a week later, nothing. 

However I was involved in a data breach in XXXX by health insurance which provides all of this data. 

I confirmed with XXXX XXXX, I have nothing outstanding. Furthermore they have no bills for one of the dates and the other was paid. 

Im a medi-medi, so what they are doing is againt so many laws in CA XXXX XXXX=Phoenix Financial Same agency Not licensed to collect debt in CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: AMERICAN EXPRESS COMPANY
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
American Express reference number XXXX merchant name : XXXX XXXX transaction date : XXXX amount : {$1600.00} I called amex immediately when I saw this because question, almost two months after the alleged transaction instead of sending the bs that they sent as proof, mind you, This alleged purschase, neither I nor anyone in my house hold authorized it. Secondly, do you think that someone at american express could of looked at this and go, hey you know since XXXX XXXX didn't swipe my credit card, no signature at purchase a great way to prove to me that someone in this house ordered this XXXX XXXX  would be whatever chosen shipper tracking numbers and signature upon delivery but were ' now in XXXX two months later transaction date XXXX acct ending XXXX so ok if we ordered this item isn't amex responsible to make sure we get what we ordered? two months guys and let me quote this letter " we have now received support of the charge and a copy of the supporting is attached. i will attach to this what amex sent me but XXXX say copies from XXXX no XXXX XXXX  header says merchant letter can you imagine in our country mistake not we didn't order nothing for XXXX and not from XXXX and aBOUT THREE WEEKS AGO I CONTACTED AMEX FOR A DISPUTE, and if you look at last logistics updated time " null '' - so if you were amex wouldn't you tell XXXX, look, their claiming that they didn't order it well contact them but what if i get something and refuse delivery whose paying for shipping? not to mention you take something off someones bill to dispute and then you put it back on that they got proof it was ordered wouldn't amex look foolish if umm wheres the product? two months later they got proof it was ordered but delivery who knows when ... so hypothetically we made a mistake and ordered ti since it was not even sent yet if you were amex wouldn't you tell XXXX try to contact the sender and cancel no tries to make me pay XXXX for something i didn't order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Resurgent Capital Services L.P.
State: VA
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:
Greetings, I have recently graduated from college outside of the United States. Unfortunately, somebody has most likely used all my information and got into debt because during the dates which the debt has occurred, I was in college in XXXX and I can prove that I have been an active student in XXXX for the past 6 years and was not in the United States to get in debt. This may be a mistake or an identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alleged Account number XXXX I do not recognize credit acceptance as any creditor of mines!!! When I noticed this alleged repossession claim I was the guarantor of an auto loan on my credit report I immediately sent them a letter stating there was a high chance this account was fraudulent and i need to see all the contracts, promissory notes, Notice of sale letters and most importantly the calculation of surplus and deficiency letter. They received my letter XX/XX/2021 and are yet to mail me any response. 

I informed that XXXX XXXX XXXX XXXX XXXX states that a secured creditor must send this notice within 14 days of a request by the debtor OR a record waiving the secured party 's right to a deficiency. 

I am yet to receive a response from this alleged creditor this alleged secured party 's right to this deficiency debt has been waived. This account is inaccurate and needs to be deleted from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: MS
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 have TRIED numerous times to get the Credit Card Account { XXXX XXXX XXXX XXXX XXXX XXXX } REMOVED/DELETE from my XXXX Credit Report -- SEE ATTACHED XXXX Additionally, this INACCURATE Credit Card Account information is also being reported on my Equifax and XXXX Reports. I have disputed it numerous times with ALL THREE XXXXredit Reporting Bureaus/Agencies , and with XXXX XXXX XXXX XXXX  XXXX but CAN NOT get any RESOLUTION. This Credit Card Account contains INACCURATE conflicting information. By Law, Information on Consumer Credit Reports is suppose to be ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, I called Discover Credit Card services to inform the company a credit card was sent to me that I did not apply for. When I provided the last four digits of my social security number and birthdate, the representative informed me that my birthdate did not match the application. She then informed me that the account was closed due to fraud and it was noted to forward my calls to a specific representative assigned to my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2019-04-02
Company: Innovis
State: MA
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/2017 a family member got my information and applied for {$20.00} a personal loans from XXXX financial service. On XX/XX/2017 I discover the fraudulent account and contact XXXX with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX  woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the deaf part but good at writing or reading. Soon I discovered what happens, contact XXXX XXXX XXXX for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from XXXX, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a bus assistant making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.XXXX have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/, I received a call from a person who introduced himself as XXXX XXXX. I did not know this person prior. He identified himself as an " investor and broker '' and asked me if I wanted to start investing. I stated that I would and was instructed to begin making deposits into a XXXX ATM Machine. I made my first deposit of {$250.00} on XX/XX/. On XX/XX/XXXX  for {$1000.00}. I also made wire transfers through my bank, XXXX XXXX, wire transfers. XX/XX/XXXX  for {$5000.00}, XX/XX/XXXX  for {$2200.00}, XX/XX/XXXX  for {$1100.00} and XX/XX/XXXX  for {$3000.00}. The total is {$12000.00}. XXXX XXXX stopped replying to my messages through the XXXX app on XX/XX/XXXX  until now. 

On XX/XX/XXXX, I got another call from a person who introduced himself as XXXX XXXX. He identified himself as an " investor and broker '' and asked if I wanted to start investing. I told him that he would not be able to invest because he was unable to access the money I was supposed to receive from my investment with XXXX XXXX, {$57000.00}. He told me the money was in an account with XXXXXXXX XXXX XXXX in XXXX, but to withdraw it, I would need to pay a transfer fee of {$3100.00}. He sent a document from XXXXXXXX XXXX XXXX and instructed me to make the payment via XXXX ATM. I made two transactions totaling {$2900.00}. After the transactions, I contacted XXXX XXXX XXXX  regarding the form I got from XXXX. The bank informed me it's not legit. I realized I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: MoneyLion Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I signed up for moneylion a long time ago and apparently I signed up for something that is causing my credit score to drop like crazy. I didnt even get a loan and they said I am missing payments on a loan. I tried to contact them to cancel the loan or to cancel the account and they never reached out to me again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have contacted Transunion concerning inquiries in my report that are fraud and wish to have them removed, i was told that the inquiries fraud or not can not be removed. the inquiries in question are below. 

XXXX VIA XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX Installments XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2018-05-12
Company: WESTERN UNION COMPANY, THE
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I REQUESTED ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS I SEND FRPOM XX/XX/XXXX TO XX/XX/XXXX SENT TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2022-08-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was at a salon today with my older daughter..and I was about to pay for our hair that we got done ..I went into my mobile banking to XXXX the money to the XXXXI found out that my account has been locked, they put a number to call ..I called several times ..all they could tell me is that I have a restriction on my account but they were unable to give me the reason ..and I also walked into the bank I couldnt withdraw any money ..now am stuck ..I dont have any money feed my kids not pay for the service that was rendered to me.please help me ..help me help my kids ..I dont want them to starve to death.thanks

Company response to consumer: Closed with explanation