BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was scammed by a person impersonating an XXXX employee on the phone. He logged into my Venmo account and sent {$4900.00} in two transactions, one at XXXX and one at XXXX, to an unknown card that was quickly added and removed. He also withdrew {$1900.00} from my bank account. This was reported to the police, my bank account was closed and I am still struggling with sorting this all out. Despite informing Venmo of the fraud they are insisting the transaction was actually me and are aggressively trying to collect. Venmo also has the card information of the scammer and will not provide it to me so I can provide it to the police and life security agencies trying to investigate the fraud. Venmo should be ashamed of themselves because they are well aware that these scams are rampant on their platform and they dont care because they collect fees. I am requesting that they restore my account, desist collection efforts, identify the charge as fraudulent and take action against the offending party instead of the victim. 

Venmo also makes it impossible to find my account number unless I restore my account by paying for the fraudulent transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting 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:
XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/2022 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 UTAH XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX The following personal information is incorrect

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 2023-08-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-08-05
Company: Experian Information Solutions Inc.
State: NC
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: Other problem getting your report or credit score

Complaint:
I am writing this formal complaint to bring to your attention Experian 's failure to provide me with my credit reports by mail, as requested in accordance with the Fair Credit Reporting Act ( FCRA ). I believe this conduct is in direct violation of the FCRA and has caused undue inconvenience and concern.As a consumer, I have the right to access my credit reports from each of the major credit reporting agencies, including Experian, free of charge once every 12 months. In adherence to the FCRA, I made a written request for my credit reports from Experian via mail on XX/XX/2023, XX/XX/2023, using the address provided on their official website for such requests.Despite my request being made in accordance with the FCRA guidelines and providing all necessary identification information, Experian has failed to fulfill my request. As of today 's date. I received an email stating that could not adhere to my request via section 611 ( a ) ( 3 ) ( A ) of the fair credit reporting act. I am simply asking Experian to mail me my credit reports.

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 2023-11-23
Company: Atlantic Recovery Solutions LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My sister texted me on XX/XX/2023 verbatim, Hey Sis, I pray all is well. 
I just got a call from XXXX of XXXX XXXX XXXX ( XXXX ) XXXX ext XXXX. He said for you or your designated Power of Attorney to please call him. She subsequently wrote, They said I was next of kin, they made me nervous I thought something happened. When I looked up the company it was a debt collector. I called the number XX/XX/XXXX and XXXX picked up. I asked if they were a debt collection agency, which he confirmed. He then began to ask questions and talking over me before I could finish. By the time he told me to shut up while [ he ] was talking I disconnected the call and filed a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: IN
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 took out a small loan in XXXX, made perfect payments of XXXX per month, I paid off the loan in XXXX of XXXX, six months later XXXX dropped my score, XXXX did not ; who knows what Experian has done as they keep themselves hidden from my credit union and XXXX XXXX unless you pay. 
Last XXXX of XXXX, 3 years later out of the blue once again XXXX dropped my credit score when I have not touch anything to do with credit since XXXX of XXXX ; XXXX did not. As of today XX/XX/XXXX in viewing my credit score at my credit union and on XXXX.com I now see that XXXX has followed XXXX and has also dropped my score by XXXX points! 
In these past 3 years I've watched my credit score slowly increase which made me happy in case I need to apply for a loan or credit. 
How can they just drop my score when I've not touched anything that has to do with credit? All bills are always paid on time and I have no outstanding debt to be paid! Nothing touched since 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 2022-07-04
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-08-23
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-06-09
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Requested ELAN FINANCIAL SERVICES cease and desist due to illegal acts on my credit report. Requested validation of binding contract through mail on XX/XX/2022, which has not been provided. ELAN FINANCIAL SERVICES sent a notice through mail on XX/XX/2022 that was disguised as CARDMEMBER SERVICES instead of ELAN FINANCIAL SERVICES. This is a violation of deceit and misleading information.

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 2022-12-06
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I created a cashapp account in XX/XX/2022 and forgot the email. I have attempted to login using the need help option, and am told they don't have enough information to prove its my account. I have also attempted creating a new account and contacting customer support as the app suggests, but get no response. I feel like this is fraud because I have money on my account and they will not assist me with gaining access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: CL Holdings LLC
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:
XXXX XXXX acct # XXXX opened XX/XX/XXXX XXXX {$1200.00} -- - account number is incomplete and is not my account XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX XXXX {$1700.00} -- - account number is incomplete and is not my account it has been over 7 years that it has been reported XXXX XXXX  acct # XXXX opened XX/XX/XXXX XXXX {$16000.00} -- account number is incomplete 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scamXXXX 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 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 2022-07-04
Company: Experian Information Solutions 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 filed three disputes with Experian for charged off accounts that were sold to third party collection agencies but are still reporting a balance from the original creditors. This is a FCRA violation. Experian chose to allow the reported original creditors to continue reporting a balance despite the FCRA requirements for how charged off/sold accounts should be reported on credit reports. 

The accounts include the following companies : XXXX. XXXX was sold to XXXX XXXX in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX in XXXX 
XXXX. XXXX 's XXXX XXXX was sold to XXXX in XXXX 

My dispute results verify that Experian is allowing the companies to continue to report ( see attached ). Also attached are copies of the collection notices that I have received from the third-party agencies which validates the accounts were sold.

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 2022-09-26
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$360000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I am filing a complaint against capital one for two late fees they claim I owe. My payment was sent post marked before its due date, and they claim they dont have any grace period. This is unheard of. I wasnt aware of this nor have I ever heard of a credit card company that doesnt give their mail paying customers a grace period. This is unethical business banking practices designed to syphon more money from working americans pockets into CEOs and is unacceptable. Please see enclosed complaint to the virginia attorney general which is the home state of their corporate HQ. This is just a tactic used to move funds from the american people into the ceos pocket, and its unethical and sacrilegious. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Subject : Dispute Case # XXXX - XXXX XXXX Dear Chase Bank Customer Service XXXX I am writing to address a matter regarding the dispute case associated with XXXX XXXX XXXX referenced as Case # XXXX. Recently, I received correspondence from your bank indicating that the dispute has been resolved. However, I want to stress my concern again as below.

In the course of my conversation with your representative, she explained that the hotel had invoiced me directly in US dollars, totaling {$960.00}. Conversely, the XXXX XXXX had previously communicated with me via email, indicating that the charges were made in XXXX dollars, amounting to XXXX XXXX dollars. I was further informed that Chase Bank 's exchange rate conversion resulted in a charge of {$860.00} for the equivalent of XXXX XXXX dollars. 

Given the evident disparity between the charges in XXXX dollars and the XXXX dollar amount communicated by XXXX XXXX, I kindly request that you initiate communication with XXXX XXXX to reconcile the price difference. My dispute is rooted in the discrepancy in charges rather than any dissatisfaction with the services provided by the hotel. 

If you believe that XXXX XXXX did not make any mistake, please list the charges about the foreign exchange of this XXXX XXXX dollars from Chase bank. 

I appreciate your prompt attention to this matter and kindly request that you address the pricing issue with XXXX XXXX at your earliest convenience. Please keep me informed of any developments in this regard. 

Thank you for your assistance in resolving this matter. I look forward to a swift resolution and a prompt update on the progress made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Bay Luxury Autos
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I was interested in buying a 2003 XXXX XXXX XXXX  from XXXX XXXX XXXX in California  ( I live in  XXXX XXXX  ). They quit making the XXXX XXXX  so I was looking nationally for a low mileage model with a beautiful XXXX combo. This car was perfect. My first time a salesmen showed me car going around it with the video on his phone. I agreed it was perfect for me. They needed a {$4300.00} deposit which I gave them with my bank card. A day or two later a second salesman called me and want to show me the car again because the first salesman was new. This time it was shown to me that the car had a tear in its roof. I was still interested in the car and told that salesman that I would get estimates on fixing the roof. Well it was a few XXXX dollars to get replaced. I was mailed paperwork but never signed any forms as I now knew I couldnt afford to buy it and get it fixed. The company has refused to give me even partial deposit back. I consulted with a lawyer who mailed them a letter asking for my deposit back but they never responded to the letter. Please offer any help or advice you can. Thank you!

Company response to consumer: Untimely response