BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX extended electrical service to someone using my stolen social security number only. No photo ID was required. When the bill was not paid, they turned me over to XXXX XXXX  came after me and wrecked my credit causing me considerable harm and damages. It has been a full time job to correct this mess due to their negligence and failure to confirm identity before extending credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Seattle Service Bureau, Inc
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX with the National Service Bureau has contacted my husband 's telephone for the second time, XX/XX/XXXX at approx XXXX pm about a debt owed for an insurance auto claim. he claimed that I was not insure when in fact I am, and an attempt to collect a debt that is not real or legal to collect as I am insured, and not at fault in any accident. 

He threatened to have my license revoked by the DMV for nonpayment, claimed he was not beholden to the FDCPA, refused to put my husband 's number on the do not call list and was extremely threatening and hostile. I also requested that he mail out documentation of the debt which he refused to provide staying that he didn't have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, 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:
On XX/XX/2022, I sent a handwritten letter to Equifax for a dispute of 4 collections that were on my account. In that request I asked them to fully verify the disputed items within 30 days and send me an updated copy of my credit report once the investigation is finished. They only sent me and updated copy of my credit report and said that the accounts were verified with no actual proof of it. On XX/XX/2022, I sent in another letter to Equifax a for a dispute of the 4 collections that were on my account. In that request I asked if they can provide the original contracts for the items that I previously disputed for, fully verify the items, and to please deleted the account that they can't provide the original contracts for. I haven't received an update or anything about the investigation from Equifax. XXXX sent me an updated stating that they deleted an account with an updated credit report but they didn't provide me with the contracts that " verified ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 my car was repossessed and I made a payment of {$2800.00} to get my car back. On XX/XX/2022 a chargeback was filed for the transaction with my bank ( XXXX  ) without my permission and then the chargeback was denied the next day. The loan company, American Credit Acceptance, still shows on my account that the payment was reversed and they are now threatening to take my car away. I never received the funds back and neither has the bank. I have spoken to both American Credit Acceptance and XXXX countless times and neither of them state that they have the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to violate the consumer, i've specifically requested VALIDATION and the company has failed to adequately do so by the guidelines that have been established in the FAIR CREDIT REPORTING ACT. Ive requested original instrument ( s ) and any thing with an actual signature and still nothing. As u would like to avoid litigation, i once again am giving this company the opportunity to do the right thing, Cease and Desist, which would include the reporting of this fraudulent information to the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX account #, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX account # XXXX, XXXX 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

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 2022-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX has fraudulently reported 30 day late payment on my credit report. During this time XXXX XXXX XXXX  and spoke with XXXX ( XXXX ) about my account. When requested deferment for the month of XXXX  she granted my request. During the month of XXXX i received a 30day late notification on my fico report. Dropped my score drastically. I have been a member with XXXX for many years and was shocked. I have contacted several times and they are not willing to investigate what so ever. There only solution they gave me was to write a letter to there dispute department. And of course ive done several times and they just responded back with there generic message, they cant help me at this time. This is wrong of XXXX XXXX, it shows me that they dont care about other peoples lively hood that they put at stake. 

I have disputed with all bureaus and they just come back with verified verified verified. 

CFPB please open an full investigation to help me get the fraudulent 30 day late payment off my credit report. as it is damaging me credit worthiness. When in fact i was on top of this account. XXXX is the one that has reported incorrect data to my credit report. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: WI
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX  account, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account #, XXXX XXXX XXXX XXXXccount # XXXX, XXXX XXXX XXXX XXXX account # XXXX, inquiries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Talking to other people bout this and not me! Keep saling the loan and threaten me bout being sue and losing jobs!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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 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 Data 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 non-monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : XXXX XXXX XXXX  Account number : XXXX  Account name : XXXX XXXX XXXX  Account XXXX Account name : XXXX XXXX XXXX Account number XXXX As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XX/XX/98

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 2022-06-30
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX I made a purchase of 5 pairs of high heels from a XXXX based company using Paypal for {$330.00} The company had a return policy of 30 days from date of receipt and they would provide a return label. See the policy here : XXXX XXXX XXXX On XX/XX/XXXX I received the heels and had a professionally trained ballerina try one shoe on and they were so defective she could not stand. The balls were not flat, the construction was not stable, the shoes were completely unuseable without significant risk of injury. 
In accordance with the return policy I emailed the company, they ignored me. 
I emailed again and was ignored. 
I emailed a third time and was ignored. 
I opened a case with Paypal. 
Paypal allowed the seller to violate its own published return policy and require that I pay between $ XXXX USD to ship the shoes back. 
I reviewed Paypal 's buyer protection program and its acceptable use policy. 
Paypal was allowing the seller to abuse their platform to force a dispute instead of honoring its published return policy so that it would not have to pay the return shipping. 
I explained this to Paypal and they said they refused to investigate the seller or file a complaint regarding the concerning abuse of the paypal money system to scam, mislead, falsely advertise and profit illegally from a US Customer. 
Paypal is required to abide by its user policies. Paypal is required to enforce its policies to prevent adverse impact on consumers. 
Paypal is facilitating illegal transactions by permitting XXXX sellers to violate its own terms of service and acceptable use policy. 
While I don't expect Paypal to resolve this matter, I do hope this complaint will spark an investigation into the potential illegal practices and complicity with illegal sales practices of its sellers. 
Paypal is profiting from my loss and profiting from the illegal use of its system by XXXX sellers and potentially other non us sellers that abuse its system to force exorbitant return shipping fees onto the shoulders of buyers. 
I purchased from this company after reading their return policy and feeling comfortable that I would not be responsible for return shipping to XXXX. Paypal is required to investigate sellers who abuse their system. 
Paypal also advertises buyer protection but clearly, Paypal is not following that policy either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Bliksum, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received loan from LOANME. XXXX in amount of {$2100.00} in XX/XX/XXXX. Made first biweekly payment of {$160.00} on XX/XX/XXXX. For last 7 months up until XX/XX/XXXX I've been making these bi weekly payments of {$160.00}, totaling over {$2500.00}? Which is way over principle amount of loan. When I go on website to access my account about pay history and payoff, I can not access my account? Customer service gives me the run around! Then they give me a pay off amount well over the actual principle amount of the actual {$2100.00} loan itself? After paying them over {$2500.00} for the last 7 months, my pay off way over {$2500.00}? How? And why is pay off more than the actual loan? Where did my payments go if they weren't applied to principle of the loan to help with pay off? I was told if I paid off loan early, then there would not be any pre pay penalties? I'm confused as to how I owe more than amount borrowed after 7 months of on time payments? This lender is a predatory loan lender and charging interest rates that aren't legal in the states that you reside in, in receiving these loans. Paying over XXXX  times the amount of money borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Credit Karma, LLC
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:
Credit Karma advised me today that an email XXXX went in and checked my report from XXXX thru XX/XX/XXXX. I asked credit karma how an entity can just get into an account and look over and over no response yet. I would like to know who this email belongs to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 I Applied For A Navy Federal Credit Card And Got Denied.

Regardless Of The Reason For Denial, I Have A Right To Credit.

Withholding My Access To My Securities Is Securities Fraud.

Navy Federal Is Violating The Equal Credit Opportunity Act And The Consumer Credit Protection Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Called synchrony bank and they said '' unable to verify identity. '' I found out my social security number is being associated with someone else. They didn't try to help me. This happened on XX/XX/2022. My name is XXXX XXXX. I applied for sams club business Mastercard. This was my 4 denial with the same reason. The name of lady that used my social was XXXX. They told me that

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 2022-06-30
Company: Brown’s New Credit Bureau Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no personal knowledge of Brown Collection service. I have no idea why this particular service is reporting on my consumer report without written authorization with myself. 
I've disputed many times yet the company to come back and verify the debt without ever actually speaking to me the person or sending me any written correspondence. This is causing my personal emotional distress and stress overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, Bank of America placed a hold on my account, in the amount of {$880000.00}, in error. They were attempting to solve a problem that was already solved 30 days prior. The error caused many transactions to be declined, items were returned, and fees were incurred. 

Bank of America has refused to acknowledge their mistake, nor will they agree to reimburse me for the fees incurred, as a result of their error. This error has caused harm to reputation, I did not have access to operating capital for two days, and I was late processing my company payroll. 

Please see the attached documents with the full details, and proof of my claim.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: NC
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:
The account listed below I didn't not authorize if you could please research.15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish accounts without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 The inquiry was not authorized XXXX - XXXX XXXX XXXXXXXX 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 2022-06-07
Company: EQUIFAX, INC.
State: NC
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:
The account listed below I didn't not authorize if you could please research.15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish accounts without my written instructions 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 The inquiry was not authorized 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I cant log in to the Transunion site to unfreeze my credit file. The site hasnt worked in over a month. It tells me that my login credentials are incorrect. Then when I try to retrieve my correct info, the same page just reloads and you cant go any further. The customer service phone number just puts you on hold with music and then you get disconnected. There are plenty of complaints on XXXX and other sites.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.

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