BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account XXXX XXXX Creditor : XXXX XXXX.- Account : XXXX XXXX : XXXX XXXX XXXX- Account : XXXX XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX  XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed . I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Walmart credit card with Capital one. Refuse to accept challenge for four months of satellite radio. Called miltiple times. Requested new credit card number and received, company kept billing. Now have my card frozen and refuse to unfreeze.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2014 ( 3 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX FOR XXXX This is on my credit report and i have told them it is not mine that i believed it was my sister but it is not mine i said it could be my sister because she has done this to me be for I have XXXX XXXX  for the last 8 years so i would have used that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Avadyne Health Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
H & R accounts have my medical balances in their office. I have been making payments to them for months. I pay {$50.00} bi-weekly to them with the understanding to keep the accounts off of my credit report as long as I may the biweekly payments. The payments are set up to automatically come out of my account. They auto-debit the payment. 
Last week XX/XX/XXXX, a balance of {$1300.00} showed up in collections on my credit report. I called H & R Accounts and spoke with XXXX. That conversation didn't go over very well. I spoke with his supervisor about it. His supervisor advised me that he included this account in the payment plan. He gave me an email address XXXX to request forgiveness to remove the collection account off of my credit report. I sent the email to them on XX/XX/XXXX at XXXX to do a goodwill removal. This communication is a back up as they should have never placed the account in collections on my credit report as they are receiving a payment bi-weekly with the agreement to have the accounts not hit my credit report. They have a bad practice and this should not happen. They also had a wrong address on file. There has not been any attempt to send written correspondence as the address has a forwarding address, however, they have never sent any thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
State: WI
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Paypal Holdings, Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I reported to Venmo that my account had fraudulent activity and received an email in the middle of the night and I was told my account was frozen and I needed to send in a copy of my ID again. I did this just to get a response saying thank you for sending that but we are closing your account due to fraudulent activity. The said they were closing my account they have not closed it and still keeps accepting funds I was told IF I can get my money back it would be in 180 days and they still havent closed my account. I have emails as proof they stated they were going to close it and the have it open with me not being able to access anything. I have told them and was told the account would b closed and they wont respond back to me now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. Im a young entrepreneur trying to build my credit. I need this removed from my credit because I'm trying to build my business. Credit is important to me and by this being removed it was greatly help out my score because i have no knowledge on what this collection is. I've contacted the collection agency to get this removed and nothing was solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: MoneyLion Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is my 2nd complaint against MoneyLion. This is a different issue. It is imperative that MoneyLion change my default payment method from checking account ending in XXXX to account ending in XXXX. Ive made several attempts to make this change on their app but to no avail. I have called more than 6 times. Each time I call Im on hold for more than an hour and then my call gets cut off. This happens every time I call. I will be closing the account ending in XXXX in the next 2 weeks. It has been impossible to make the change online through the app or to reach a human by phone. Im at wits end trying to deal with these people. I need someone from MoneyLion to contact me and confirm the account change. As of todays date the app still shows my account ending in XXXX as my default account. This must be changed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover card opened an account for me on or about XX/XX/2019, the company decided to ask me to disclose financial tax information with them from the Internal Revenue Service through a provider they use which is XXXX, the same company who has had a data breach. I am not providing this information for an account that they approved with a measly {$500.00} credit limit. They can keep the account and close it, it is expected that if they decide to report this account to any credit reporting agency, that I expect it to report as " account closed by consumer ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX XXXX. I bought a MONEY ORDER amounting {$3700.00} and made deposit to a Wellsfargo bank account with below information for the purchase of a car : Account number : XXXX Routing number : XXXX Account Name : XXXX XXXX WELLS FARGO After deposit was made, the money was held in the account for 7 days. On the 5th day while money was still on hold, the account holder ( XXXX XXXX ) said he got a call from the bank and they told him to come with his ID so he could get the money from his account. I told him that was fine and the money have been deposited already and I have the receipt for the Money Order and also the receipt from Wellsfargo after the deposit was made. After some hours, he told me the bank wanted to call the police on him and he managed to escape. I asked why would a bank call the police on you over a cash deposit and how did you even manage to escape arrest in a bank. 

I begin to ask him a lot of questions and I told him I wanted my money back and he said go to the bank and get your money back. I went back to the bank where I made the deposit and the lady at the bank told me there's nothing wrong with the bank account of Mr. XXXX XXXX and she also told me the amount of {$3700.00} is available right there in his account and I wonder why he wouldn't take the money out nor return back my money. 

I called Wellsfargo customer service and I was told that to get the money back, I have to do a 3 way call. Myself and XXXX XXXX will be on the phone speaking with the bank and he can instruct the bank to give me back my money. XXXX XXXX then said he got a different number on his bank information at the bank and I can tell the bank to call him since he wouldn't let me have his real telephone number. I have been trying to call XXXX XXXX ever since and I realized that he stopped using the number I have since it a roamed number. I went in the bank to let the woman know I don't have his main number and she said nothing can be done. 

These are the telephone number to reach XXXX XXXX but he won't respond to calls nor text messages : XXXX XXXX XXXX and XXXX XXXX XXXX  I wonder why WELLS FARGO won't call XXXX XXXX to speak with him about my claim. Its been 4 weeks already since I made the deposit and he wouldn't withdraw the money nor Wellsfargo giving it back to me. What else am I suppose to do? Can anyone help? I really want my money back.

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 2018-01-31
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from DEBT RECOVERY SOL. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against DEBT RECOVERY SOL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Filed a previous complaint XX/XX/2020 for XXXX sending a postdated threat of legal action/lawsuit if I did not pay by the postdated date stating in the threatening letter sent to me. I did go on to make payment arrangements with them on the premise that I was told in a recorded conversation that if I had difficulty making this monthly payment that they would work with me. 
When in fact I did need them to work with me because I was trying to get back into the workforce to be able to meet the payments, I was yelled at by a XXXX debt recovery representative, and also threatened. 
I have now learned they have a lawsuit pending against myself tbrough Zwicker & Associates. I was not served for the pending lawsuit, or informed or sent a summons to this date of today. 
XXXX gave me a phone number to call Zwicker & Associates that is not a working number, and just answers and hangs up, leaving no way to reach Zwicker & Assoc. to try to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from CAPIO . I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against CAPIO in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: Experian Information Solutions Inc.
State: IL
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:
After reviewing my credit report, I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX My correct name is XXXX XXXX. Please remove these variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current telephone number is : ( XXXX ) XXXX. Please remove these numbers that I have never belonged to me : ( 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 My correct social security number is : XXXX. Please remove SS # XXXX. I have never used this number. 

I am self employed and the name of my XXXX is XXXX by XXXX. XXXX remove the other variations : XXXX XXXX XXXX, XXXX XXXX, XXXX My correct address is XXXX XXXX XXXX, XXXX, IL XXXX. Please remove the addresses listed on my credit report I have never lived at or may belong to a relative. Please remove : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL 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 2020-04-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: FISERV INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Let 's go over the reasons Clover in our legal opinion is shady, bizarre and a terrible credit card merchant service : ( 1 ) if and when you receive a " Dispute '' and try to login to their server to respond, you will be told by their system to " enable cookies '' even when your cookies are " enabled '' in my case using XXXX XXXX  which 99 % of humanity uses, otherwise they " can't help you '' and keep you on hold for 30 minutes or more, transferring you all over the place to different clueless, non-technical people who don't speak English as a first language each of them making you " verify '' yourself through painful, multi-tier questions/answers more akin to XXXX XXXX than a credit card merchant service; ( 2 ) these people keep telling you to switch to a different browser " XXXX XXXX '' which is truly bizarre ( and definitely sounds immoral/illegal ) to force their customers to download/switch to a different browser in order to keep our duly earned money ; ( 3 ) when you search for their address online it is virtually impossible - the address we have provided herein the XXXX  complaint is a guessing game, at that. 

Please urgently investigate and advise.

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 2020-11-12
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-09-18
Company: Experian Information Solutions Inc.
State: LA
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX  XXXX  XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

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