BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: PA
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$460.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$22000.00}

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$460.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$22000.00}

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 2015-07-17
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I use paypal to sell XXXX online. For every sale I enforce customer ID confirmation for identification verification and fraud protection. I traded with a specific customer in the months of XXXX through XXXX, during this time I collected numerous selfies and ID pictures of the user along with IP information to prove their Identity. They were also been shipped XXXX to her verified paypal address prove their identity. 

This user later contacted paypal making a claim that their identity was stolen and the transactions were unauthorized. However after submitting ID information and IP information for review by paypal their specialists determined that the claim was in fact false and all of the transactions were authorized. At this point the money was returned to my account. A week later paypal then claimed that all of these transactions were reversed through ACH reversals made through her bank. The reversals were in total almost {$12000.00}. They then requested that I pay for the entire amount. They placed my account on hold, taking all of my funds and preventing me from continuing any of my business transactions. This effectively removed me from having a job and I was given no opportunity to respond to this new set of reversals. 

I requested the names of the banks that the reversals were made from but they refused to provide me with the bank information and refused any information I offered for the case. This left me with no way of combating the disputes with paypal and absolutely no evidence that the bank reversal claims were even true. Paypal said that I was not eligible for protection because XXXX are an intangible good. However XXXX are unique goods in that unlike other intangible items, such as music, videos or software, they are not a copy being sold but instead an actually item that was delivered to the buyer. This meant that I lost 100 % of the product I was selling along with the money from the sales. In addition to this, all of the sales were completed using the XXXX website which provides tracking and proof of delivery for all online sales. However paypal rejected this information. 

Paypal did not even attempt to fight this fraud or give me the opportunity to fight it myself despite the compounding evidence against this other user. I believe that at the very least I should be provided with the reversal documents as proof that they were even made. Hiding the personal information of the user who made the reversal would be acceptable but providing no proof at all is not. Paypal is allowing people to commit blatant fraud and theft while not only doing nothing about it but also actively preventing me from helping myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Call the company to ask them to furnish any evidence documentation containing my signature that I owe this company what they are saying I dont one this account does not belong to me plus I have call them to Furnish me any evidence and they have failed to furnish any information and they are reporting account like it belongs to me XXXX they cant Verify the account

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 2020-11-22
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Try to contact this company for months and keep reporting inaccurate information to my credit report I sent letters no respond they can't validate it needs to be deleted there in violation of the fair credit act and the account needs to be remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have noticed unauthorized inquiries on my credit report. The inquiries are listed below : 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 Thank 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 explanation
Consumer complaint received 2020-08-06
Company: OneMain Finance Corporation
State: CA
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:
Around XX/XX/2018 I had a death in the family and asked help about a payment, they said they could restructure and asked for documentation and pay stubs. I also informed them I would be paying off the loan in the next 30 days or shorter and asked the freeze of due to circumstances. They referred me to a local Office where I emailed everything but they refused to reply in email, I found that interesting as I was sending sensitive information via email But they refused to reply by email. Later that month with an exchange of emails, ( one sided ) phone calls and more I Made the payments I could and notified them of intent to pay off, I asked the amount of which they said it changes daily?? I sent a certified payment that they accepted and lost for 5 days in their location. Later looking up the account I find they owe me money of which they refused to pay and they marked it derogatory. 
I want the derogatory remarks removed and they can refund the money shown on the final closing. I have a picture to send

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i'm married and over XXXX XXXX XXXX. i make XXXX a year cutting grass for the city of XXXX AS AN XXXX  XXXX. my wife an i lived on the XXXX yearly income. The city of XXXX don't provide any medical or other benefits. On XX/XX/2020 i felt illed. i visited the emergency room. i was there around 30 minutes. The bill was {$5000.00}. they charge {$160.00} per minute. my wife called many times asking for a reduction due to our limited income but they refused. they agreed to a $ 100 monthly payment. see attached the proof i was making my payments when suddenly a collection from XXXX  XXXX  AARGON AGENCY INC called me that XXXX XXXX sent my account to them because i wasn't making my payments. please see attached proof. it's a lie. i'm accusing XXXX XXXX of elderly abuse and fraudulent collection practices.

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 2015-10-03
Company: FACTUAL DATA CORP.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX we took our XXXX son to our XXXX for his XXXX visit at witch he was to have a XXXX. XXXX had a set of XXXX taken at his XXXX appointment. The nurse came back out and said the doctor wanted a XXXX set of XXXX knowing our plan most likely would not cover a XXXX set I told her to call our XXXX plan and get them ok 'd first seeingnext years befits would start XX/XX/XXXX, less then 15 days and I flatly said we could not afford an out of pocket charge and we would have to wait until next mouth. when she returned we when informed that no our plan would not cover it, but, they had already taken the XX/XX/XXXX all ready and that we would be billed for the service we had said no too. at that point I flatly stated we had not authorized them. seeing as the XXXX were the only service preform at that point we left and then took XXXX to another XXXX XX/XX/XXXX. I believed the matter closed until we moved back to Missouri and started the process of buying the home we own now, only then did I find out the bogus bill had been turned over for collection. I contacted the billing company and explained the matter and heck would freeze before I payee this garbage. got our home loan again all seemed fine until we started a refinance of our house to make some improvements only too again hear from another outfit ( XXXX XXXX ) again asking for XXXX dollar for the same invalid charges! I 'm so mad and tired of fighting those XXXX I ca n't stand it, how long will I have too keep dealing with this? We are being held for ransom, if we do n't pay this we may not get our loan. for over 5 years this has been hurting our credit and I want justis! please for the love of God can you do something about these rip off XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Resurgent Capital Services L.P.
State: PA
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:
1. I requested a debt validation from this company and have never received documents confirming : A.Ownership of the debt B.Rights to collect C.Rights to sue to collect D.Proper Calculation of outstanding Debt 2. Also : A.Company continues to report unvalidated debt B. Outstanding balance is not correct C. Contract between the original furnisher and me was not provided. 
After I did not receive any validation, I filed an AAA ( alternative dispute resolution ) demand to arbitrate. According to the XXXX XXXX  Credit Card Agreement ( posted on the CFPB website ), LVNV is bound by the Private Arbitration if LVNV claims the debt and refers to itself as the owner of the debt. 
I served both the original furnishing and the LVNV ( through XXXX XXXX ) with arbitration demand. 
LVNV ignored this demand and committed fraud by filing a small court claim, while having an open AAA arbitration case.

This is not only a violation of FCRA and FDCPA, but also a court fraud.

In addition, I was never properly served, which is just a worse picture of predatory tactics as " parking the debt, '' which was not at the same time proven to be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/XXXX I submitted a free credit report request via XXXX  XXXX XXXXXXXX for Experion to provide my once a year report and have not received any information from Experian. I have tried to reach them but am unable to get in touch with anyone by phone.

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 2022-07-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Somebody in Chicago got my social security number date of birth and open up a savings and a checking account with USAA I contacted them they told me to contact you to report it they closed the account and froze it I don't know what is going on someone has my information using it for their own purposes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions 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 status incorrect

Complaint:
The payment history and status inaccurate. Please provide procedure with the complete the investigation or remove. Last payment date is inaccurate as well. Please remove as this account is not accurate and effecting my score. FCRA 611 ( 15U.S.C. 1681 ) SECTION 603

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 2017-05-22
Company: EQUIFAX, INC.
State: IL
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 am requesting the removal of two judgments and four bankruptci es ( below )  on my Equifax and other reports due to  Civil Case No .  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ., v. Equifax Information  Service LLC .  I did not know the source of their information on those judgments and bankruptcies and due to this Equifax has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with  XXXX   XXXX  verifying and I contacted them on  XXXX  and stated it was not.     Judgment  XXXX  AND  XXXX  Bankruptcies  XXXX   XXXX   XXXX  and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Ordered XXXX for XXXX for my step son. On XX/XX/2016 it said it was Delivered and left at door. Package was not delivered .contacted Best Buy immediately and asked if they could ship to Best Buy in XXXX. Which they did but they messed up and put my name and required signature. Best byybtroed to deliver two times but could n't because it was my name but the store address. Product was then supposedly delivered XXXX XXXX in XXXX ny on XXXX for pick up. Went to pick up time which was no longer at XXXX and lost. XXXX had me have Best Buy call XXXX so I could receive repayment. I was online with bestbuy when they contacted XXXX I waS told i would receive refund. Called back few days later and they had no records of any of my calls and refused to repay me. I got so mad I cancelled my Best Buy card. I than tried To call again next day lady seemed nice and understood package was lost. Since I had closed my credit card I was told they were issuing me a check that day for my refund. Now over a week later I call today they have no records of any of my calls. 'refused to give me a refund, even asked them to then overnight ship me the product i originally ordered and was told they could n't do that as well because it is out of stock. So now I paid for item I never received and refuse to pay my bill if this is is how they are going to treat a customers who spends XXXX a month in the store and never been late on payment. I also contacted XXXX today nntneh have record no f Best Buy calllong them n them notifying them package was lost and I was due a refund. Inneed help. I work hard on my credit but this is it fair

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 2022-07-26
Company: EQUIFAX, INC.
State: NY
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:
This account has been reporting on my credit and it doesn't belong to me. This is identity theft & fraud. According to the FCRA this account should immediately be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Late fee

Complaint:
I got my CITI XXXX XXXX XXXX in XXXX. Once I got the card, I set up my autopay immediately. 
However, on XX/XX/XXXX, I found I was charged for late payment and interest on XX/XX/XXXX. So I logged in my CITI account immediately and found the autopay had n't set up successfully. So I passed my first bill due, which was XX/XX/XXXX. 
But I think, in this case, CITI 's poor management played a very important role. So I am writing to request CITI to refund my interests and late payment fee, which in total was about {$90.00}. My reasons are as follows : 1. I tried to set up my autopay once I received my card, but for some unknown reasons, I did n't set up successfully. However, there was no notification from CITI informing me of my unsuccessful autopay setup. 
2. I did n't receive any notification from CITI warning me that the bill due was approaching or I did n't pay my bill. I think it is CITI 's responsibility to inform its customer of the payment status. But I checked my emails, my messages, and even my voicemails, there was no one was from CITI. If CITI had warned me, I would have paid my bill on time. I have an excellent credit score, I wo n't owe any money to the bank. 
Therefore, I believe in this case CITI failed to fulfil its obligation, resulting in letting me make a loss. So I am writing to file the complaint and I hope anyone from CITI would contact me in the future and give my money back. 
Thanks.

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 monetary relief
Consumer complaint received 2015-11-20
Company: Health Services Asset Management, LLC.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We are inquiring about treatment received from XXXX XXXX XXXX on or about XXXX XXXX, 2011. XXXX sent an unpaid bill to a collection agency, Health Services Asset Management for collection, despite us having verification issues with the debt. 

Health Services Asset Management is telling us they no longer have the itemized statement from the creditor, and can not prove the details of the debt. They can only prove this debt is owed because a dollar amount was turned over by the original creditor. 

We need proof of this debt. We had XXXX insurance companies, so there should not be as large of a balance, especially since the doctor providing service was an in network doctor on both plans, and our deductible had been met. We can not validate this bill based on the information Health Services Asset Management is giving us. 

They have placed this item on our credit reports, and we stand to lose over {$7500.00} in earnest money on a house because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: HI
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:
my mortgage is with XXXX XXXX XXXX XXXX since XXXX of XXXX I have never heard of XXXX XXXX XXXX XXXX XXXX ( please see screen shot of my Experian credit account attached ) Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. thank 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 explanation
Consumer complaint received 2022-07-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I opened on line savings account with Synchrony Bank and transferred {$5000.00} to this account from my XXXX checking account. Several days later, Synchrony advised that the account was closed for business reasons. I requested Synchroney to transfer my {$5000.00} back to my XXXX savings account. It is now three weeks later and Synchroney will not return my money and I have made many calls to Synchrony. This is a major bank stealing money.

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