BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: LTD Financial Services, L.P.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XX/XX/22 Reported on 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are accounts on my credit report that are not mine. Please remove them.

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 2020-07-16
Company: EQUIFAX, INC.
State: AZ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent my letter over 60 days ago, XX/XX/XXXX to be exact to this bureau and they are disregarding a regular consumer disputes. I am stressed and have been sending letters before this and still haven't received any results yet. Now I am deciding to go a step further by submitting this complaint.

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 2021-11-09
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I Paid vendor using this card to make an video for my business. And as part of the initial order the Vendor is supposed to send me the sample video and if i dont like the video they will refund the money i paid. 
But this vendor never sent me the sample video and not sent the full video. 
I contacted Bank to open dispute and Bank opened dispute and after few days they closed the dispute. When i asked Bank why they closed the dispute they said that vendor said that there is no error. This answer from Bank completely blown me away as the reason i opened dispute is that vendor didnt give me the service.. i did not open dispute saying its fraud ... all i am saying is i paid for this vendor and the vendor didnt fulfill the order and so technically i have to get my Money back. 

If Bank thinks the vendor provided service they should that proof from Vendor. Instead of asking that they are simply closing dispute. 

I tried to open dispute again but with futile efforts. 

Attaching the documents with resolution from Bank on both of these disputes. 

I am coming here for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: The CBE Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed a charge in writing to Spectrum/Charter on XX/XX/2021. I had cancelled services and the charge was for a period of service in which I had none. They turned me over to XXXX XXXX XXXX XXXX XXXX for {$200.00}. Their letter said I had until XX/XX/XXXX to dispute the charge. I sent a certified letter disputing the charge on XX/XX/2021. I never heard back from them. Having never dealt with a credit company, I figured the issue was closed. 

Then, on XX/XX/2021 I happened to look at my FICO score through my bank and noticed it dropped from XXXX to XXXX. Running my credit report through XXXX  I saw a negative report from The CBE Group Inc. I have never heard of them. I was never sent anything in writing and did not receive any phone calls, emails, etc. Apparently, they've had my account since XX/XX/2021. 

Although I still dispute the charge, I would have paid it to avoid ruining my credit had I been notified. I tried calling them today and their number is no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was involved with an online dating scam for over 4 years. I live in the XXXX and the scammer lived in XXXX. 
The scammer requested money for medical operations and asked if money could be transferred to his Doctors bank account. On numerous emails I requested proof from the Dr that he was an actual dr and this was ignored. Eventually time was running out for the operations and I was coerced into sending partial payments. 
Money was sent via PayPal as friends when I asked PayPal for a refund for all XXXX XXXX transactions they disputed that this was a legitimate transaction and the case was closed. My complaint with this fraudster is with the XXXX XXXX  XXXX XXXX XXXX department and I was genuinely misled by an imposter. PayPal do not trust me because its a legitimate transfer as it was sent as friends. Yes the scammer did become a friend after one year and I was misled by all his lies and manipulation. In total I think it was 5 transactions to XXXX XXXX paid in USD email : XXXX I would like all my money returned as I was caught up in a XXXX XXXX circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX, XXXX, CITICARDS CBNA, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX   XXXX, XXXX XXXX, XXXX, CITICARDS CBNA, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2022-05-21
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: Information belongs to someone else

Complaint:
The following inquiries shown below are fraudulent activities on my Equifax report. I would like them deleted off my report please. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I checked my credit report and was unhappy to see a lot of inaccurate information on it. I then tried to reach out to this bureau by sending a dispute letter on XX/XX/2020 and I haven't received any results yet. Now I am deciding to go a step further by submitting this complaint.

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 2021-11-09
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. 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 is the inquiry that is still reporting on my account : XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, 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:
I was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. According to 15 USC 1681 { a ) ( 4 ) it states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Midwest Fidelity Services, LLC
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This collection agency is claiming that I owe {$100.00} for a dispatch service that I've never asked for and requested or agreed on. This dispatch service are showing a dispatch sheet that is made up. I do not agree with it and I believe they don't have any proof of me owing the money to them. The collection agency is saying that the dispatch sheet is a proof but I strongly disagree. I've never worked with the dispatch company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized credit inquiries on my account. they are below. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX 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 2021-11-09
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had a payday loan due around XXXX/ XXXX of 2021. I was out of work and unemployed due to a XXXX XXXX until XX/XX/2021. I received numerous emails from an attorney claiming to be a representative of speedy cash. She warned me that I would be in a lawsuit with the company and if I wanted to settle this matter outside of the courthouse, I would need to make a payment or several payments. I was scared to be prosecuted and I knew that I had a late loan to pay so I didn't think anything of it. I sent them 2 payments of {$290.00}, 1 payment of {$250.00} and 1 payment of {$590.00}. I sent these payments through XXXX XXXX around XX/XX/2021. Today on XX/XX/2021, I noticed a withdrawal of the original amount due for the company through the company. I called the company explaining my situation and they confirmed that it was a fraud account. The email I was in contact with was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to complete a streamline FHA refinance since XXXX of XXXX with no success, with two attempted applications and two different loan officers. Every month they miss deadlines, then tell me my paperwork is expired, which I then re-submit. Then they will take over a week to " review '' a single page document, only to report something else is now expired. It's circular, over and over. I call every other day or updates and I'm told everything is great, given estimated closing dates, etc. Then a few days go by and its back to square one.  Resubmit, wait for the review, miss the XXXX of the month, and start over again. 

Today being the XXXX, I just experienced the XXXX month of this circular XXXX and watched my closing disclosures change by over XXXX XXXX dollars.

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 2020-07-29
Company: RFNA, LP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
This company reported incorrect information to the credit bureaus for almost 3 years. Since they have now updated my account to reflect that actual balance at {$0.00} it has negatively affected my credit scores. They need to delete the record from all bureaus due to their error. They caused my credit scores to drop due to their reporting error. I am trying to get a mortgage they have now hindered that process doe to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX in XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX to buy a car. When I came into the store I had already applied doe a loan with XXXX with a remarkable rate. Because of this I did not want my credit run with XXXX XXXX. The sales associate asked several times if he could run my credit to search for better deals, and that it would be a soft pull. I explained that I did not want my credit pulled because I was already frustrated with the i professionalism of my car buying experience. Although I specifically asked for my credit not to be run, the associate ran my credit with 4 different companies and they were all hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Cascade CISS Holdings, LLC
State: CA
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 see a few inquires on my account that I did not consent to. XXXX XXXX. Xatus XXXX, XXXX XXXX XXXX. I called to try to get these items removed and after staying on hold for more than 45 minutes, all the companies did was be rude and give me the run around. The inquires should be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: BAM Management US Holdings Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I voluntarily disabled my account, and now BinanceUS won't reEnable it. 
I have done all they have requested. 
It has been over XXXX months and over XXXX emails. 
They say my account is being reviewed in the back office. 
XXXX request ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TransUnion has continued to repeatedly give me problems with getting access to my credit. I have tried several times over the past year to deal with TransUnion to view my credit report for inaccuracies and I have never been able to review my report online.

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