BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: MD
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:
On XXXX XXXX, XXXX my handbag and weekender were stolen containing my birth certificate, passport, driver 's license, debit card, credit cards, employment ID, social security card and checkbook. On XX/XX/XXXX, I began receiving collection calls for several accounts that I did not open. I contacted the police in order to file a report. The authorities advised that they do not investigate identity fraud and that I should file a report after the perpetrator was identified. I contacted an attorney who referred me to her investigator. They filed all the necessary legal paperwork to close/remove the fraudulent accounts from my credit report from XXXX - XXXX ; however, I was caught in a vicious cycle since new accounts were constantly being opened. I have sent countless notarized and certified notices to Equifax requesting removal of all fraudulent accounts-they simply reply with a blanket " account verified ''. Equifax has failed to protect me and my credit rating from IDENTITY THEFT predators.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-06-06
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Kinum , Inc. Account # XXXXReference # XXXX, Kinum, Inc. Account XXXX U601975D77****Reference # XXXX, Kinum, Inc. Account # XXXX Reference XXXX 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had a Venmo account since XXXX. I tried to make a payment from Venmo with my connected XXXX bank account in XX/XX/XXXX and received a message that there were insufficient funds in my account ( balance of XXXX account was > {$60000.00} for a {$40.00} Venmo payment ). I was unable to make any payments. After a payment was sent to me on XX/XX/XXXX for {$170.00}, I was able to make a few payments using this balance. After XX/XX/XXXX, I received the below message from Venmo freezing my account and preventing me from making any payments : " Account on hold Could not complete this transaction because your account is frozen. Please see the following help article for instructions on how to unfreeze your account : https : XXXX ''. 

I have read the article ( unhelpful and irrelevant ). I have tried to transfer the Venmo balance of {$35.00} to my linked bank account without results. I have tried contacting Venmo through their application several times and receive canned, unresponsive replies that have not resolved the issue. 

I would like to obtain my final balance and close this account forever. Digital wallets and payment platforms like Venmo should be subject to the same regulation and scrutiny as traditional financial institutions. Without this oversight, they are able to freely defraud customers and keep unearned funds. Paypal is using their subsidiary, Venmo to avoid being regulated. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: United Revenue Corporation
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Conn's, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: MS
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:
Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX XXXX  Account # XXXX Reporter making unverified accusations of injurious derogatoriness and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the XXXX, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized Metro2 Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual obeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether!

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 2022-06-23
Company: FinCo Services Inc DBA Current
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was incarcerated XX/XX/XXXX and released XXXX XXXX. After my release I recovered my account that I originally has my my {$600.00} and {$1400.00} IRS payment deposited to with Current Mobile Banking prior to my incarceration. After recovering my card account info I discovered that I only had {$94.00} left in my account but I should have had a total of {$2000.00} in my account from my stimulus payments. I then discovered that there were 4 merchants that had unauthorized transaction made to my account and 1 of the merchants had multiple unauthorized transaction. The other merchants that had unauthorized transactions only had XXXX transaction from each merchant and those merchant refunded my account up to 2 days later after the unauthorized charge. The last merchant with multiple charges did not refund. I contact current mobile and sent in evidence showing them that I did not have access to my account due to me being incarcerated from XXXX XXXX to XX/XX/XXXX. They did and investigation and sent me a email stating they did not find an error. I did not understand the outcome and why I didnt receive my credit back when I showed evidence that I did not and could not use my account because I was Incarcerated at the time that the transaction were made. So I contacted Current Mobile banking with more evidence to prove my case. They sent me an email stating because it had been more then 120 days since the transaction were made that they no longer had refund transaction rights to that merchant and basically that I wasnt getting my money back that was unauthorized to use. I feel that I have a right to receive my money back that was unauthorized to use. I did further investigating my self and called one of the unauthorized merchant to figure out if I could find any info on who could have stolen my card account info. The merchant owner proceeds to tell me that some one had committed fraud and stole a variety of different debit card numbers and charged those card numbers to there company and that there financial group caught it and were able to refund the money back to the victims of the scam that happend and that I was one of the victims that it happend to. I sent the email over to current support group to show them that it was someone who hacked my account t info while I was Incarcerated and that thats what I believe happend to the other unauthorized transactions and that 3 out of the 4 refunded the unauthorized transactions except the one merchant who had multiple unauthorized transactions and I have not heard back from current since. I feel that current should reimburse me my money that was not authorized to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: TN
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 idendity was stolen and someone opened up fraudulent accounrts in my name.Im extremely confused on how someone was able to get my information amd do that in my name. XXXXXXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also have 8 fradulent nquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
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:
I have sent numerous complaints for XXXX and experian also XXXX XXXX to remove items from my reports. I even filed reports with the ftc.gov. and fraudulent items still seem to appear on my 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 2022-06-23
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: Information belongs to someone else

Complaint:
reporting fraudulent trade lines on 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 2022-06-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today my Huntington Bank checking account allowed {$350.00} of fraudulent transaction using my checking account number and routing number. Two months ago they allowed over {$500.00} from my debit card. My funds are not safe with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/10 I was approached to sell a item on XXXX XXXX. We currently are struggling with XXXX XXXX Healthcare bills so I was anxious to sell. I stated I accepted payment on XXXX, and they requested 3x to use XXXX I looked into it and felt safe because my bank offered it as a way to send money. I set it up and received an email that had BMO Harris and XXXX on it. I had the person interested in the purchase accuse me of trying to get additional funds and stated he was to send XXXX to me. 
I said no, just send what is needed. Then I get an email stating I needed to proove the account was activated by sendind XXXX to the seller. Thus that would finish the transaction. I sent XXXX because I said that is all that was due back. In the meantime... I never got my money. But the scammer still had an active email chat with me and when I asked, I was told I still needed to send the XXXX and he was going to complain to XXXX that I was fraud. So I sent XXXX dollars. I immediately get a second mail sail the transaction did not go through and to send {$350.00}. I immediately called the bank who said they could not get the transaction reversed. So I reported through XXXX nothing. I tried the bank again who said the transaction was processed through XXXX XXXX  and XXXX refused to give the refund saying I approved the transaction. I knew it didn't feel right. But again, I am selling items to make some money and felt it was safe if I was doing the transaction with my bank

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 2022-11-25
Company: Amsher Collection Services, 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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX is breaking the law by furnishing inaccurate account. The date opened is wrong. and Date Last Active is wrong. Your company have reinserted same debt from original creditor XXXX It was deleted by Amsher due to violations and now you have let this agency commit the same action. They have only shown a bill not a contract with a bearing signature. I have attached both credit reports so delete this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fair Collections & Outsourcing of New England, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Account # XXXX In accordance to the Fair Credit Reporting Act Fair Collections & Outsourcing of New England, Inc Account # XXXX has violated my rights.. 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 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As of XX/XX/2022, I contacted my online bank account, Capital One, regarding my ability to access my savings was seized. The bank representative informed me to contact a XXXX XXXX XXXX at XXXX, to discuss a debt regarding a XXXX XXXX in XXXX, Kansas. I informed the bank representative that I felt this was a fraudulent claim from XXXX XXXX XXXX, since I have never received documentation or phone call concerning this debt and its not on my credit report. 
Capital One should have informed me that my account was being held hostage by a scam/fraudulent claim by XXXX XXXX XXXX XXXX 
I will not call anyone that I feel is about to scam me out of money. Capital One should have contacted me about this, aware of previous scam incidents I have had on my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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:
reporting fraudulent trade lines on 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 non-monetary relief
Consumer complaint received 2021-08-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I made a payment settlement to my charged off credit card account. I would like this updated on my credit repot ASAP as I am trying to open a bank account and buy a car in a timely manner. Your timely response is very much appreciated.

Company response to consumer: Closed with non-monetary relief