BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-26
Company: Nationwide Recovery Systems, Ltd
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit score using the XXXX XXXX XXXX and saw that my XXXX score recently dropped due to the collection agency noted on credit karma as NATIONWIDE RECOVERY SYS opening an account on my credit report. This company has never reached out to me by mail, email, phone, or any other ways of communication to notify me of this supposed debt with them. If I had not checked my XXXX XXXX XXXX  score today, I would have never known this account was ever opened because this collection agency failed to properly notify me of it. Since they have never notified me about this debt in the first place, I never had a chance to dispute it at all before they decided to report it on my credit report, negatively effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MD
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-10-04
Company: Sunbit, Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have talked to this company multiple times in XXXX, XXXX and XX/XX/2023. The first time I spoke to an agent who said that he agreed I do not owe this money and they would take off the balance owing and negative reporting information on my credit bureaus. The second time I spoke with an agent I explained that nothing has changed or taken off all 3 of my credit bureaus. This was supposedly for eyewear that I paid cash for and never used this company for credit. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CITIBANK, N.A.
State: MI
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:
XXXX XXXX  reporting fraudulent activity on my account. I never had XXXX XXXX. I was a victim of identity theft and they are constantly reporting fraudulent activity. I asked for proof and they have yet to respond.

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 2022-08-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I called for my XXXX XXXX XXXX credit card for adding my spouse as authorized user. I also asked them to increase my credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my spouse 's credit profile or SSN? 
Called XXXX XXXX today morning. When wanted to talk to the supervisor, the call was deliberately dropped.

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 2022-06-26
Company: Experian Information Solutions Inc.
State: FL
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 Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A states : I have the right to privacy. 

15 U.S.C. 1681 section 604A Section 2 also states : A consumer reporting agency can not furnish an 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 2022-06-26
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal emailed me today saying i will not be able to use their services. Due to user agreement and i called today XX/XX/2022 to figure out why. ive over XXXX $ in my account theyve said they will hold my money for XXXX days and they said they will not delete any accounts on my account like my debit cards & credit cards. im so upset im a single mother of XXXX babies i know my rights and this is not okay!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 the car dealership in XX/XX/XXXX trying to get a car. I told the car sales men I only want to use XXXX bank. However I'm looking at my credit report I see over XXXX hard inquires from all these different companies. Hard inquires from different months in XXXX and XXXX that wasn't from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: NJ
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an 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 2022-06-26
Company: Experian Information Solutions Inc.
State: LA
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 name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EXPERIAN for furnishing inaccurate information to my consumer credit file. It is imperative that Experian always has the most accurate information in my credit file. By furnishing these inaccuracies, Experian is in direct violation of 15 USC 1681b ( a ) ( 2 ) because Experian has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. 
Please delete the following inaccurate names : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Please delete the following inaccurate addresses : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX. XXXX XXXX, LA XXXX Enclosed are : Letter sent to Experian Exhibit A, credit report with inaccurate names Passport card Identity Theft 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 non-monetary relief
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: LA
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:
credit card account was opened in my name fraudulently. XXXX XXXXXXXX XXXX  refuses to remove from my credit bureau and told me that I had to have it removed, putting the burden on me as a consumer, for something they did. XXXX statement is attached, along with most of the paper trail of this banks actions and non-action. I checked the reviews for this bank, and it appears, this bank has been opening fraudulent account for a couple of years now. I don't understand how this bank is being allowed to chronically break so many banking regulations and they are still getting away with there actions.

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 2022-06-07
Company: OPORTUN FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XXXX of XXXX I had made a consumer purchase with my OPORTUN credit card. I had purchased clothes on XX/XX/2021 at XXXX in XXXX XXXXXXXX XXXX, and due to covid I was not able to try these items on. After I returned home I noticed that all of the items ( jeans, leggings, and sweaters ) were damaged down seemliness and not sellable merchandise. I returned to the store with the items for a refund, and the sales clerk stated that they were unable to provide me with my purchase amount of {$66.00}. I called the company and explained what happened, and he said that everything would be taken care of. All I received were letters asking me to provide the same information to them that I did over the phone. That information was emailed 3 times, mailed 4 times and I have left messages with the Dispute Team and never received a call back. I then received two letters in the mail saying my dispute was closed, so I sent them another letter with all the information, only to receive the same " further information letter '' that requested the information I have continuously provided them. I am continuing to be ignored and would like to pay my balance and close the card, but am not willing to pay that transaction amount. 

Attached is my most recent compliance with the company, along with the confirmation of the fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: MI
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 account # XXXX and 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 : 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 2022-05-30
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed via Cash App for a total amount of XXXX, when I thought I was in contact with a legitimate individual. I brought this to the attention of Cash App support, who stated they would investigate the matter, but I do not believe that this was ever truly investigated, and was just made to wait for a predecisioned outcome. I have reported said account, as well as another account potentially belonging to the same scammer ( s ). While I understand I may not receive this money, I believe that Cashapp has long been operating with very to little regulation, as have so many other XXXX organizations. When Cashapp was first introduced, it was just as a money transfer service, but over the years, has grown in dramatic scale, now being used to purchase Bitcoin/Stocks, to use in place of a traditional checking account, and even to file ones taxes. In its current state, Cashapp does NOT have proper KYC/AML enforcement and this negligence leads to scams/fraud and this will continue to be the case, as long as people are able to open new accounts, as long as they have a new number that permits them to, even after another account is closed down. Furthermore, when scam activity is reported, their should be restrictions in place to prevent any said funds from reported account to be moved, until a true and proper investigation is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: TN
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 Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX have 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 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am going through a divorce with my spouse, who is supposed to be making the payments by XXXX XXXX XXXX. He has not been following this obligation. I have received multiple communications ( excessive of 7 communications in a 7 day period ), this is simply a sampling from XX/XX/XXXX, but noticeably began in XX/XX/XXXX. When I spoke to the company representatives, they informed me that a full payment was required or there was nothing they could do to stop repossession or pull it back into good standing. They have also frozen my credit card account which has a {$0.00} balance, because this account is past due. These communications were from the Collections Department at Capital One for an Auto Loan on a XXXX XXXX XXXX, and were communicated as efforts to follow up and collect on this debt. 

Phone Calls XX/XX/XXXX - XXXX call XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX call XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX call, XXXX returned call requesting no further contact by phone, email only. requested to speak with a supervisor on the call - declined, asked for email correspondence - declined, sought administrative assistance and the representative could not explain the definitions of " qualifying '' events or criteria. 
XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX call XX/XX/XXXX - XXXX calls. XXXX accepted, asked to stop calling and to email, XXXX call declined. 
XX/XX/XXXX - XXXX calls Emails XX/XX/XXXX XXXX XX/XX/XXXX x XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Letters XXXX correspondence in XX/XX/XXXX related to debt XXXX correspondence requesting I open new accounts, being " pre-approved '' Text Messages XXXX text messages plus auto responses Voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
was checking my credit report, XX/XX/2023 and I realize I saw some accounts in collections on my report that are in accurate and out of date and still reporting...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from True Accord, Corp. XXXX XXXX XXXX. The amount is {$590.00}. The creditor is XXXX and XXXX. 
I called Uplift to ask what this debt is as I have no idea, they refused to tell me unless I provided personal information, birthday/ss # etc. I refused to give this info. 
In XXXX of 2021 I noticed that XXXX had been taking {$51.00} a month from my XXXX account. 
I immediately contacted XXXX and informed them of fraudulent withdrawals. XXXX stopped the withdrawals and I was refunded 3 payments. I thought this was resolved until I recently got the collection notice. 
I have been unable to get any clarification from XXXX or True Accord as to what this debt is, therefore I assume this is a fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the XXXX XXXX XXXX and XXXX Account has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right of privacy 15 U.S.C. 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation