BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/XXXX I received an alert from MyFico advising that a new collection was reported to the credit bureau. I checked the alert and saw that a company called XXXX XXXX XXXX is reporting a collection debt under my credentials. This was a complete surprise to me since there was never any kind of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/XXXX which is fraud. In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX - Account # # # # # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.

I have been a victim of identity theft and my name and SSN have been compromised.

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 2022-08-02
Company: EQUIFAX, INC.
State: VA
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: ACIMA CREDIT, LLC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I leased tires from Acima Credit. The tires were fitted but were the wrong size. The installer stretched the tires on my wheels to make them fit instead of getting the correct size. This causes tires to wear faster. As a result I chose to end the lease and return the property. I was told by Acima to send photos of the tires and I did just that. I was told that Acima did not have a collection site in my area and to donate the tires to a thrift store and send the receipt to Acima. No non profit in my area accepted the tires because of wear and they can't sell them like that. I have emails asking Acima for an address to one of their collection sites and I  would be more than happy to ship them. I was told that's unacceptable. Also Acima shared my account information with a family member that claimed I was deceased. That wasn't true at all as I was unable to answer my phone due to out of town work. They didn't have my permission to speak to anyone concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$110.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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 2022-08-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX  XXXX Balance : {$530.00} ; XXXX/XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00}

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 2021-01-17
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
It was advertised that after a short time of good payment history that my account would be changed from a secured account to an unsecured account and that my security deposit would be refunded. I have been a member in excellent standing for over 1.5 years and they have yet to convert my account. I call in every few months and they tell me my account will be converted in 2 months ( an outright lie ) since I have repeatedly called since the account was 6 months old and nothing has ever changed even though I have remained in excellent standing with Synchrony and my credit score has improved greatly over this time period.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is XXXX XXXX, and I appreciate you taking the time to repair and update some information from my credit report ; however, there's still this certain account that needed to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate this account ( A ). I hope these disputed accounts are removed : XXXX XXXX Balance : {$2300.00}

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 non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : USDOEXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}, and USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: VA
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$110.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have been trying to resolve this problem with HSN for 4 months with no success. I have called HSN a number of times to ask for information on my account. I havent used my HSN card in about 5 years and I can only remember one purchase for an XXXX. This would have been paid off long before now since I have made regular payments. HSN used to be with XXXX XXXX, then changed to Sychrony. I called XXXX and they were not able to help from lack of information from HSN. I called Sychrony Bank in XX/XX/XXXX, and they tried to help. We did a 3 way call with them, myself and HSN. Still the billing supervisor at HSN could not see any record of a purchase beyond the XXXX  that i knew about. They do not know why the statement was so high in XXXX of XXXX when the XXXX  was purchased for {$500.00}. My payment were not late so I just continued to pay. Now I have to have answers to this issue and my husband is ill and I do not have the time or INCOME to keep paying without knowing what it is for. I have reported this to XXXX, XXXX. I believe the bookkeeping at HSN is terrible, and they offer no resolution. I am now getting a bad credit score because of HSN. The account is SYNCB/HSN account number is XXXX I just want to know what I am being billed for not just what they say I owe them. I think my account has been compromised by another customer or some other type of fraud- or they would be able to tell me what these charges are for.

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 2022-08-23
Company: REVERSE MORTGAGE INVESTMENT TR
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow-up XXXX that was returned as " not our company '' which is false. We verified by calling Reverse Mortgage Funding today that you are servicing this loan. Why do you make this so hard? 

To : Reverse Mortgage Funding From : XXXX XXXX XXXX, elder sister of XXXX XXXX XXXX, deceased re : Extension needed to stop foreclosure PROPERTY of XXXX XXXX, deceased XX/XX/2022 ADDRESS : XXXX XXXX Ct, XXXX XXXX, CA XXXX I just spoke to XXXX to request an extension for the home property of my brother, XXXX XXXX, which apparently is threatened w/ foreclosure. I am trying to deal with this from MI. I explained that for Proof of Effort, I had already provided contact information for the Realtor and the Attorney handling the property sale but that I could not provide an ad for the sale until probate has been completed, which they hope will occur by XXXX but we dont have any control over the judicial system that does this. I had already provided the information for the Realtor and the Attorney for the proof of effort but will provide it again : Atty : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX cell : ( XXXX ) XXXX This is the Attorney who is handling the probate. Realtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX cell : ( XXXX ) XXXX This Realtor is managing the property and tending to the landscaping, which you can easily witness by visiting the property. They can not prepare the interior until probate has been complete In the meantime, can you please grant the extension and stop the foreclosure? Also, my brother XXXX  from XXXX complications. So he would qualify for foreclosure extensions through federal protections. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ( XXXX ) XXXX, office ( XXXX ) XXXX, cell XXXX XXXX XXXX XXXX, XXXX XXXX, MI 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 explanation
Consumer complaint received 2022-12-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Date : XXXX XXXX, 2022 Amount : XXXX EUR Action : I sent XXXX EUR to a XXXX  via PayPay by allowing my own USA-based credit card-issuer to convert from USD. The words " cash advance '' do not show up anywhere in the process of sending money to XXXX  accounts, so I was surprised the next day when my bank charged me a cash advance fee of 3 %. The only notice from PayPay before the transaction implies that there may be a fee for currency conversion ( " Your card issuer will determine the currency conversion rate and what fees they may charge. " ), but doesn't mention that the transaction will be run as a cash advance, so there's no expectation that there will be any additional fees other than currency conversion fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: TX
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:
Dispute Reason : Merchandise was never received, never delivered. 
The merchant was Best Buy. 
The credit card company is Citi Bank.

My Citi bank credit card was obtain through CostCo. 
The amount in dispute is {$510.00}. 
The purchase date was XX/XX/XXXX. 

I spent days going to the local store in Texas where I live to ask for help. I also called many times and got hung up on many times. After all effort failed, I filed a dispute via Citi Bank. Today XX/XX/XXXX, I received an email and I checked messages online, and Citi Bank said that the dispute failed and they will charge me {$510.00}. 

Even though I engaged in a transaction with the above merchant, I never received the following products ( two software ) : ( 1 ) XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ( Digital ) software, and ( 2 ) AXXXX XXXX XXXX  XXXX ( Digital ). 

I provided phone bill and HomeDepot receipts showing that I was in Texas at the time that I purchase the software from Florida Best Buy. I should receive the software through software download but I did not receive an email with a hyperlinks for me to download. Yet Best Buy claimed that I purchased the software " in person '' and picked up the products " in person ''. 

Beware of Best Buy. I called the phone numbers, put on hold for a long time, transferred from one person to the next, and finally got hung up on. There is only one phone number to call, and they randomly sent us to a different to talk to each time. We never got to talk to one person. No accountability. When we came to a Best Buy local store, they sent us home to look for an email for software download. That's a big lie. Nothing. However, because of the purchase, Best Buy floods my email with their daily advertisements. 

DO NOT PURCHASE SOFTWARE ONLINE. 
BEWARE OF BEST BUY!

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