BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I arranged to buy tickets for a comedy show from someone on XXXX. He said he was going to transfer the tickets to my name ( to arrive via email ) and showed me a screenshot of a seemingly valid ticket confirmation. I payed him {$250.00} via Venmo, as agreed, and never received the tickets. He then blocked me on XXXX and is not responding to my calls requesting a refund. I contacted Venmo 's customer service and was told they could not help me recoup my money. They suggested filing a police report, which seems like a completely unrealistic, dead-end non-solution. 

The phone number the scammer gave me is XXXX. 
The Venmo account I sent payment to is : @ XXXX. Name : XXXX XXXX. Transaction ID : XXXX His XXXX handle is : XXXX XXXX XXXX ( @ XXXX ). He has blocked me on twitter so I can no longer message him. I have attached some screenshots below. 

I also contacted my personal bank, XXXX, to stop the payment. But it has not showed up in my list of transactions yet, and the XXXX representative said the bank can not contact Venmo to stop the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several requests to investigate a few inaccurate accounts on my credit profile. I have also sent a Method of Verification ( see attachment ). It has now been 60+ days since I sent my disputes, but I have yet to receive a response. Nor have they adhered to my request by verifying and validating the information as accurate. I'm looking to purchase a home and these inaccurate records on my profile are stopping me from achieving my dreams.

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 2021-11-08
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. This company, AARGON AGENCY INC, has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : AARGON AGENCY INC ( XXXX XXXX XXXX ) XXXX XXXX, XXXX {$150.00} ; AARGON AGENCY INC ( XXXX XXXX ) XXXX XXXX, XXXX {$250.00}

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 2022-04-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Within the last 3 weeks, 3 separate bank accounts were open fraudulently under my name ( 2 accounts with Wells Fargo and 1 with XXXX XXXX ). I placed a fraud alert with XXXX initially but it happened again. What else can I do to take care of the problem?

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 2021-05-11
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
third party attempting to collect a debt that was settled. I was not given full disclosure for contract. Nor do I have any contract with company attempting to collect a false debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: OH
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, XXXX XXXX XXXX XXXX XXXX Account Numbers 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 2. XXXX XXXX XXXX Account # XXXX 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 2021-05-11
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: Investigation took more than 30 days

Complaint:
Hello Ive sent in a dispute on XX/XX/2021 and still no repsonse this is past the timeframe. Listed are the account I placed for dispute. Right now the credit agancies are in violation of response. 




XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Jim Bottin Enterprises, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date : XXXX XXXX, XXXX Complaint Filed Against : XXXX XXXX XXXX XXXX Company Nature of Compliant : Fraud, Extortion for Money To whom it may concern : I intend to report a case a of fraud by XXXX XXXX XXXX XXXX XXXX XXXX In the past, I had been a member of XXXX XXXX XXXX XXXX and at one time frequently used their work-out facilities. I have recently decided to end my membership with the gym and followed the correct procedures to cancel my membership by sending a letter to the local gym XXXX with my intent to cancel in XXXX XXXX. 

Despite following the proper method for canceling my membership, XXXX XXXX, the company who handles the billing for the gym had continued to charge my credit card on file each month for {$19.00}. After I had the credit card changed for security purposes, I began receiving very suspicious calls from XXXX XXXX XXXX that claimed I still owed them a monthly bill for for a membership I had already canceled. 
Furthermore, XXXX XXXX informed that even through I had canceled my membership they were still going to charge me regardless of what actions I took on my end to inform them of the cancellation. What was most upsetting is, they let me know that I was never allowed to cancel my membership ever and if I ever attempted to challenge the debt or try to cancel my membership again they would send me to a collection agency. After this, they have repeatedly attempted to extort me for a bill which I do not owe them and have threatened me and my XXXX XXXX if I dont continue to give them money for a gym membership I have canceled already. 

XXXX XXXX has an extremely negative reputation with consumers and has literally thousands of complaints filed against them on consumer websites across the web. I have done some research into companies history and they have the lowest possible rating with the BBB and have extensive list of poor ratings and allegations of fraud on almost every consumer review site online. Based off my personal experience and the innumerable complaints against XXXX XXXX, I do not believe they are a legitimate organization and give them no credibility at all. 

In summary, I expect immediately XXXX XXXX to acknowledge my cancelled gym membership and drop all the fictional debts they have made against me. I refuse to pay any money to this group of frauds and my attorney has advised me not to engage in any contact with them. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXXXXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

CAPITAL ONE AUTO FINAN XXXX Balance {$0.00} CAPITAL ONE BANK USA N XXXX Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, after browsing various websites, it seems Coinbase are notorious for holding your money and not actively helping consumers withdraw their funds. 

I wish to withdraw my funds from coinbase, having followed instructions, paying for transfer fees, but I am still unable to withdraw. I have also contacted Coinbase via email, but am now not being replied too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2021-11-08
Company: General Motors Financial Company, Inc.
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: Account information incorrect

Complaint:
I have auto pay with GM Financial. I had the money taken out of my account, but they put the money back in my account. I had fraud done in my account and I had money taken out that was unjustified. GM told me that my payment was made on their site, so I never went to make the payment after. I then straightened out the fraud charges on my XXXX XXXX checking account, but GM Financial still gave me a late payment. Im not sure why I got the late payment and I was not notified that the payment didnt go through. I just want the late payment forgiven. I got autopay to avoid late payments. Im not sure why the site told me I paid when my payment was collected and then added back into my account. It seems like a computer problem on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-08
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CREDENCE RESOURCE MANA XXXX Balance {$960.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Complaint : ( XXXX XXXX Bank ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX   XXXX XXXX  ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. 

XXXX must remove all information reporting from and relating to ( XXXX  XXXX XXXX  ) including third party debt collection accounts associated with ( XXXX XXXX XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian XXXX Account # 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 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX has two accounts showing two different amounts on my credit report. I wrote to Transunion, XXXX, and XXXX to have these accounts removed. I wrote to XXXX XXXX and they are not showing I have any accounts with their company. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting. 
I started my dispute process with all three credit bureaus on XX/XX/XXXX, XXXX, XX/XX/XXXX. When reviewing the information the date of the last activity was on XX/XX/XXXX. My last contact date with XXXX XXXX was in XX/XX/XXXX. This would make the account more than 10 years old. 

All three credit bureaus are not reporting the same information. Therefore, the information is not accurate and up to date.

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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted proof to all three credit bureaus that my identity was stolen and accounts where open while I was in prison and to date they have nor will they remove this information 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 2020-04-25
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I contacted my local domestic relations office earlier this month due to a relocation and change of address on my EppiCard. When I reported my new address to the caseworker, it was entered incorrectly days later by the caseworker to EppiCard, so I THEN had to e-mail the correction to the caseworker. The correction did not occur for several days. 

I used my EppiCard child support card on XX/XX/2020 to make a purchase and withdraw money from the account. Today, on XX/XX/2020, I attempted to use the card to make a purchase of milk and other grocery items for my son but was declined twice. I double checked the EppiCard site. The card was marked EXPIRED on the EppiCard site. However, my card does not expire until XX/XX/2020, which is indicated on my account and on the card. I have been on hold for over 2 hours with EppiCard, which the website states has customer service available 24/7. There is no other form of contact besides the customer service number, which is also for lost/stolen cards. I had not been contacted prior to the card being listed as EXPIRED, nor have I received a replacement card in the mail. My mailing address is up to date - there is no reason I would not have received communication. 

I am to receive a child support payment next week that I will have NO access to due to this mistake, and I am in dire need to access the money to pay bills that are immediately due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX has two accounts showing two different amounts on my credit report. I wrote to XXXX, Equifax, and XXXX to have these accounts removed. I wrote to XXXX XXXX and they are not showing I have any accounts with their company. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting. 
I started my dispute process with all three credit bureaus on XX/XX/XXXX, XXXX, XX/XX/XXXX. When reviewing the information the date of the last activity was on XX/XX/XXXX. My last contact date with XXXX XXXX was in XX/XX/XXXX. This would make the account more than 10 years old.

All three credit bureaus are not reporting the same information. Therefore, the information is not accurate and up to date.

Company response to consumer: Closed with explanation