BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Last year I checked my credit report and found the debt listed with different companies. I disputed them all through the credit bureaus and it was removed. A year later which is now a different company reported this debt to my credit files and when I spoke with a person from their company he it was my debt and I must pay or it will destroy my credit which it has since it keeps being reported then taking off. They ended up sending me a paper that showed Diagnostic and codes. I had my ssn used years ago so its hard telling what that person did. Also SSN and DOB are so easy to get now of days i don't trust anyone just becasue they have that. I believe they have crossed HIPPA Laws in some way. Why would they keep removing and adding it? So they can keep hurting my credit! Its wrong especially when the credit bureaus removed well over a year ago. 
Company is : Debt Recovery Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: TX
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:
For full details, please refer to my XX/XX/2020 letter to EQUIFAX with supporting attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is trying to collect on behalf of XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$130.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2021-06-02
Company: CREDIT ACCEPTANCE CORPORATION
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:
these accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft Account XXXX : XXXX This is not mine. 

4. Identity Theft Account XXXX : XXXX This is not mine. 

5. Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21 I received an email from Venmo asking for {$400.00}. The picture, name, and ID all match my wife 's account so I paid it. As soon as I paid it, the picture changed to a woman who was not my wife, and the name changed to @ XXXX. I feel like Venmo should have better protected our accounts and not allow a scammer/hacker to use my wife 's name and picture. I contacted Venmo and they refuse to look into it or try to recover my {$400.00} from the scammer. I also contacted XXXX XXXX XXXX XXXX County Police and they were hesitant to grant a police report because they said there is no way they will catch the scammer and that will be the only way to get my money back. I place my trust in Venmo to protect my accounts and not allow hackers to use my wife 's info. Venmo says they are not responsible but I have seen very similar cases on this site when Venmo refunds the full amount which is usually over {$400.00}. I am asking Venmo to refund me the full {$400.00}. Screen shots are attached - take note of how the name and picture change once I paid it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Harris & Harris, Ltd.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called several times and when I answer they hang up, other times they say they need my full name and birth date and when I ask who they are they hang up. I called them to make them stop and give them proof I don't owe them anything and they refuse to take the information and start getting rude demanding additional personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XX/XX/2020 XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Inquiries are on my credit report that I do not recognize. 

XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: MO
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 filed bankruptcy around 2015 and there are still accounts showing negative revolving that should be gone with a XXXX dollar balance.ive contacted equifax multiple times and they will not correct this. They but on dispute verbiage but never solve the problem or correct this was XXXX yrs ago!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is trying to collect for an unknown debt. They have not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2019-06-01
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have tried 3 times with Experian to get an account ( XXXX XXXX XXXX  XXXX XXXX XXXX ) removed from my report since the account was closed 14 years ago and should not still be on my report according to the Fair Credit laws and they still refuse to remove it after my last dispute and say it will remain until 2020? This has and still is affecting me being able to buy a house because of their lack of removing the account. 

I already filed a complaint with you guys and you just said that they were still investigating the account and did nothing? They have Finished their investigation so you guys need to take action!!!

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 2019-06-01
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have send mail register company with important message inside the XXXX they I had sent through the company they assumed those the one they calling me every 30 minutes non-stop different number!!, I send the form 1040-v, with the internal revenue form 56 with my ucc-1 file with the state of New York, Treasury with my private security agreement Non Negotiable, XXXX trademark /copyright I am protected under my ucc-1. Those the trying to collect to the own Debtor, Everything is recorded in a public office.

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 2020-05-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is trying to collect for an unknown debt. They have not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2022-08-08
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reached out to PayPal when I noticed money missing from my account. I spoke with them and filed a dispute via the website. One of the charges was refunded however the other two were denied. I reached out to PayPal and they told me that two were denied because they were familiar, however these were done hours form my home. I only ever use PayPal for XXXX XXXXXXXX XXXX. I mean of course the pin was used I never received the card to set a pin. So a representative reached out and told me that they refunded one as a courtesy.. however I know that there are laws in place and refunding an unauthorized charge is not a courtesy its their obligation under consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Around the week XX/XX/XXXX I contacted XXXX XXXX as well as Comenity Bank in regards to cancelling a trip I have scehduled for XX/XX/XXXX to XXXX XXXX. I jumped right on the matter as soon as the Pandemic started being that we weren't sure how the events would turn out and didn't want to wait until the last minute as we understood it would be a process trying to cancel the airlines, shuttles and resorts. I have gone back and forth between XXXX rewards and the Bank filing disputes with XXXX  trying to get this matter resolved. I have been sent on a wild goose chase. I receive correspondence via XXXX XXXX that they were unable to submit a refund for my flights as they do not actually have the funds until we board the flights and XXXX actually has the funds. Every time I speak with XXXX they send me to someone else and act as if they don't have the authority to process the refunds for the trip. Our government has advised us against international travel as its still not safe and we could possibly be stuck out of the country. The airline changed our flights without permission due to the rules for flying into XXXX they aren't allowing direct flights there due to Covid-19. I  would like to have this matter resolved without losing over XXXX in the process because of an unexpected pandemic that none of us knew about and these companies are acting as if they don't know what going on and its very bad business and I even purchased trip insurance which was the only thing they would cancel and refund but not the trip in its entirety for refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$54.00} ; XXXX XXXX XXXX Balance : {$84.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX, I opened a business account with XXXX XXXX at the Bank of America in XXXX.I put {$5000.00}. I know if it does not work, I will lose this amount. I did not know the bank was going to give XXXX XXXX a credit line of {$25000.00} which he will increase to {$35000.00} later. After a few weeks, XXXX XXXX transferred all the money to XXXX XXXX and moved to XXXX XXXX. The last time I talked to him was in XX/XX/XXXX. He was trying to get money from me. After I refused, he got mad and asked me not to call him. A few weeks later, he changed his phone number My wife an I have a joint account at Bank of America. I have never received a call from the bank, an email or letter and I go to the bank almost every week. 
On Friday XX/XX/XXXX, the bank withdrew {$5800.00} from the checking and {$33000.00} from the saving leaving the saving with {$100.00} and the checking with {$74.00} because they did not want to close the account.They said the last time XXXX XXXX made a payment was in XX/XX/XXXX. They just want to collect their money. I have my mortgage, car insurance and other bills to pay. I have never used the card and never been contacted before

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 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX- FIRST REPORTED DISPUTE - XX/XX/XXXX - RESULT XX/XX/XXXX WITH TRANSUNION- NO CHANGE ON INACCURATE BALANCE DUE.

DISPUTE -XX/XX/XXXX- RESULT BACK XX/XX/XXXX WITH TRANSUNION - FOR DUPLICATE ACCOUNTS And would like to know why and how they are allowed to continue to damage my credit with this inaqurancy?

Also according to credit report accurancy, the account has it 7yrs on my credit report as of 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 2023-01-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand listed below be removed because the accounts According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission these accounts.

to furnish 1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX Account XXXX, XXXX Account XXXX Validate Account XXXX  Account XXXX XXXX. Validate Account XXXX XXXXXXXX Account XXXX Validate Account XXXX Account Number:XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account XXXX Validate Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Chime Financial 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 status incorrect

Complaint:
XX/XX/2021 chime credit card bank report balance to XXXX  that is not true. There has not been a balance on my account since XXXX this is false reporting

Company response to consumer: Closed with explanation