BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-28
Company: Allied Collection Services, Inc. (Nevada)
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX breached our contract by not providing a signal in our home. The fact they provided us a " Booster '' that connected to my internet is proof enough. Providing this booster is XXXX admission that they had poor to no service. 
In XXXX XXXX we lost power due to a storm. During those 3 hours my internet was not powered and we could not get ANY signal from XXXX in our home. We have an XXXX year-old parent living in our home with health problems and has had numerous XXXX. After 20 years of paying XXXX XXXX of dollars using XXXX auto-pay, never a late payment, and listening to XXXX tell us every year that the service would improve, we ported our phones to XXXX. XXXX attempted to talk us back into using them. They would only allow communication by phone, not email. This is a deliberate scam XXXX uses to hide behind their recorded phones and leave their customers without any rebuttal. 
Bottom line they stretched full separation from this contract out over months of time, claiming during that time they were still providing us service. With our lines/phone numbers transferred to XXXX XXXX providing us service of any kind is totally impossible!!! 
In XXXX XXXX they apparently sold this false debt to Allied Collection Service, then totaling {$1400.00} of false charges and fees. Allied called us and we thought we had made it crystal clear to Allied we did not owe XXXX anything. I filed a compliant against XXXX with this site, and the FTC. I provided copies of these filed complaints to Allied by email and the issue went away ... we thought. The XXXX XXXX XXXX XXXX XXXX sent me an alert that my credit had been hit by XXXX and Allied. XXXX sent me a non-registered letter threatening me. I immediately filed another complaint, this time with the FCC and XXXX went silent. Then Allied hits us again with the same attempt to collect money from us that we do not owe. 
Now our credit reports have taken major damage, dropping our good credit ratings by more than XXXX points. This should be a criminal offense due to : harassment, character defamation, loss of income due to countless hours spent defending ourselves, and incredible stress ( having had XXXX XXXX XXXX this is not good ). 
Now our only option is to retain an attorney which we have in process. The only way I was able to get any communication with XXXX was by " chat '' on their XXXX page ... I have printed copies of the chat transcripts and many other documents for our attorney. 
PLEASE help us right this wrong!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: OH
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:
My Equifax report appears to be split into two reports. I get alerts to changes to the report such as balances and inquiries but when I pull my Equifax report from Equifax.com there are no updates to any accounts or inquiries since XXXX or XXXX of 2019 across every account. When I try to get my credit report from other sites such as XXXX it says I dont have one, or I may be deceased. Ive been denied credit multiple times for this reason. I was even sent to a companys internal fraud department. 

Ive called Equifax everyday for the last 43 days To get the situation rectified, only to get nowhere. Ive been hung up on, transferred to other departments, and never get anywhere towards a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had problems with a closed credit card account from Barclays. After a difficult prolonged time of back and forth phone calls, I received a letter dated XX/XX/2021 from Barclays stating that I would no longer be contacted reguarding this closed account. 
On XX/XX/2021, I received a letter from a collection agency about the closed account asking for {$170.00}.

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 2021-11-16
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I listed a XXXX XXXX for sale at {$850.00} on XXXX XXXX. A buyer contacted me and offered to pay for the item using Venmo. I didnt have much experience with Venmo but I knew it was owned by XXXX which is a federally regulated bank. I went to Venmos website to check their policy on payment refunds and it clearly stated that payments could not be reversed once sent without the recipients approval. When you call Venmo support, it clearly states on the recorded message that payments can not be reversed once completed without the recipients approval. 

The buyer came to my house on Thursday XX/XX/XXXX and we performed the transaction in front of my ring video doorbell. He verified that he was the buyer who contacted me on XXXX and I confirmed the payment had been completed with Venmo via email and the Venmo app. I initiated a transfer of the funds to my bank account. I gave him the XXXX afterward. 

Four days later on Sunday XX/XX/XXXX, I received a message from Venmo that the transfer was flagged for review. I tried calling them but their offices were closed and so I responded via email asking for further information. 

I did not receive any reply and called Venmo on the following day Monday XX/XX/XXXX. I checked the app for an update and it said they had refunded the buyer without having made any attempt to contact me for details. When I reached them via phone, they asked me for details like my drivers license and a photo. The call was disconnected shortly after I provided these details and I couldnt get a hold of a representative as the offices were closed when I tried again. Further requests for an update via email went unanswered. 

I called again today XX/XX/XXXX and they failed to provide any information about what happened with the payment. They stated an account representative would review my claim and respond by email. I feel that Venmo has a legal obligation to complete this transaction. 

Venmo is a federally regulated money-transfer service that makes certain claims about how their service operates which are deceptive. The way they handle payments is a recipe for fraud. I took reasonable precautions to check how their service operated with respect to refunds and they were inaccurately described on their website and phone support. Venmo should be held liable to refund the money the withheld from my account. If there is anything you can do to help, it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: ID Analytics, Inc.
State: NC
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:
Fraudulent items reporting on my XXXX  person credit report, due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 # 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # : XXXX, has violated my rights. 

15 USC 1681 Section 602 A. Stated 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 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-10-19
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card
Issue: Billing disputes

Complaint:
Approximately one year ago my daughters boyfriend was having XXXX and needed all XXXX. He had no money or insurance. I suggested he apply for medical credit card. He then called me and said he was not approved and needed a cosigner. I said ok and he said they needed my social security number to check my credit. asfter that I never heard anymore about it. No one ever contacted me to ask my permission or sent me a contract. Since then I totally forgot about it. On the evening of XXXX/XXXX/2016 I received a phone call from XXXX XXXX and XXXX saving that they had purchased the account from Care Credit/Synchrony Bank and that no payment had ever been made and I needed to pay {$3600.00} that day. I said that I did not have that amount of money. they said that if I did not pay it that day I would be sued. Again I state I did ot have it. They then said I could pay {$270000.00} and sent a letter to my email stating this. I asked them why if the account was over a year overdue why I had never been contacted and they stated they did not know. I told them that I did not have that amount of money to send them. In the next few weeks they called many times. I told them that I was never contacted by Synchrony Bank to confirm cosigning and had never signed a contract and would they send me a copy of the contract. After several times asking they finally sent a package, but it contained no contract. Just copy 's of the statements that had been sent to the cardholder. I called again and asked for contract and was told it would be sent but never was. I believe that when Sychrony Bank got my social security number they just ran my credit and went off the address where all my previous credit was started and that is why that was the address they had. Again I was never contacted for permission and never signed a contract, also if I was the cosigner why was I never in a year contacted or called about the overdue payments. Also without any contract or being notified about the overdue payment this had already been placed on my credit report which was perfect and is now dropped substantially. The original credit was with Care Credit/Synchrony Bank account # XXXX. Now purchased by XXXX XXXX, XXXX, XXXX account # XXXX. I have been threatened numerous times with a lawsuit from this company in the past month and feel that if this had been done legally and if I had signed a contract, which I did not, as cosigner I should have been contacted a year ago so that the payment could have been made, but at this time I am not working due to medical issues and do not have the means to pay this debt. I feel that it is illegal to place a person on a debt contract without their permission or signed contract and that is also illegal for it to be placed on their credit report without them ever knowing the debt was not being paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX - purchase made via Paypal XXXX - dispute initiated, goods not received XX/XX/XXXX - was told case wld be closed if seller didnt respond by XX/XX/XXXX XX/XX/XXXX - seller has not replied XX/XX/XXXX - seller replied, dispute closed in favor of seller. 

***what the seller sent was a portion of what was ordered and the items were not as described in their ads!! *** XX/XX/XXXX - claim escalated, items not as described and order was NOT complete XXXX - seller offers full refund if I return items and provide shipping info by XX/XX/XXXX XXXX - items returned, tracking number provided XXXX - Paypal denies claim, saying information was not provided. 

Please not there are DOZENS of complaints on XXXX forum about this seller who is obviously fraudulent. However the name the company advertises under is a XXXX name, not the name the bill shows up as. So there is no way to research the company before making a purchase. Paypal is willing doing business with this fraudulent company. It is a giant scam and Paypal let consumers be taken advantage of ; they dont care as long as they get their fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX accounts with XXXX different companies I have disputed 3 times with Equifax. They are refusing to remove them.. XXXX XXXX and XXXX researched and have removed items after one dispute. I have called Equifax and spoke with a manager about my concern that they are not researching my dispute. He advised he could not do anything. Please help me! 

Dispute # 's XXXX & XXXX {$260.00} ... The billing department at XXXX office has no record of this charge. Billing manager advised she called collections company and they have no record of me. 

{$240.00}, {$240.00} and {$50.00} were all paid on the same day. 

{$80.00} charge was paid in the office {$77.00} charge was paid XXXX 2015, XXXX, manager at XXXX XXXX has called manager of collections company to remove me from their file. This was paid and should have never been transfered to a collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My complaint is against Chevron Credit Card. I have had this card for over 20 years and have always paid my bill on time and there was no outstanding balance on the account. What happened was the card expired in XXXX of 2015, when I went to use it I found this out. Usually the credit card companies replace the card before the expiration. I called and requested a new one in XXXX and they said it was mailed to my old address and was returned and " Not at this address '' was written on the front of the envelope. I moved to my current address over 2 years ago and updated all of my credit cards with my current address promptly. Chevron said they would send the new card to my new address. I have been calling since XXXX and they said to call the post office because someone keeps returning the credit card and writing " not at this address '' on it ''. They gave me this story every time I 've called and said they would send the new credit card. Well, I have not received any credit card. I even checked with the post office and they did n't know anything about it. I have gotten all of my other mail and credit card besides this one. So I finally had to close the account because I did n't want any open accounts without the credit card in my possession. I tore up the old card back in XXXX and did n't have the credit card account number handy. I 'm sure I have an old statement somewhere with the account number on it. I am very disappointed with Chevron and do n't know who is lying, Chevron or the post office?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2015 I made contact with Cardinal Financial Company LP Doing Business As as Sebonic Financial through the web site XXXX. I agreed to apply for a mortgage to refinance my personal residence. The mortgage terms were to be 30 year fixed at an interest rate of 3.375 %, origination fees of {$350.00} and a 30 day rate lock. After multiple delays on their part, on XXXX XXXX, 2015, two days prior to closing, they informed me that instead of paying origination fees of {$350.00} as originally stated in the Good Faith Estimate ( GFE ) dated XXXX XXXX, 2015, if I wanted the loan at the original terms I would have to pay origination fees of {$2700.00} as a rate lock extension charge. When I pointed out that the bulk of the delays were on their side and that on two occasions I was told by Sebonic/Cardinal representatives that if I was timely in my production of documents I would not have to pay for a rate lock extension, I was told by XXXX XXXX, XXXX XXXX XXXX, to take it or leave it. Given that rates had increased 84 % from the 3.375 % to around 4.0 % in the intervening 67 days and the XXXX is assumed to start raising rates in XXXX, I could do nothing but take it and pay the increase in fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16
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: Account information incorrect

Complaint:
I did not consent to, authorize nor benefit from the following account : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX removed the original fraudulent account number XXXX on XX/XX/XXXX from my credit reports. This XXXX XXXX Account has been closed for two years, XX/XX/XXXX. Then, XXXX XXXX XXXX XXXX created a new fraudulent account number XXXX without my knowledge, nor consent, nor authorization with the same fraudulent information in the original fraudulent account and number that has been closed for two years. 

As a result, XXXX XXXX and XXXX falsified documents stating the investigation results show the account has been deleted and removed. When in fact, the account was never removed, XXXX allowed XXXX XXXX to change the account number and retain the same false information to the original fraudulent account. XXXX XXXX changed the account number and XXXX allowed this fraudulent change to take place after XXXX stated the account was removed. The account was never removed, only updated with a fraudulent account number. XXXX XXXX never notified me nor asked my consent/request me to change the account number. This account has been closed for over two-years. 

XXXX XXXX and XXXX are now in violation of 15 USC 1692 e ( 8 ), 15 USC 1692 e ( 10 ) and 18 USC 1028A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 


According to the FCRA legally unverified and unauthorized inquires must be removed from my credit report. 

Inquires are as follows : 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 2016-06-11
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
ENHANCED RECOVERY COMPANY # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account does not belong to me and the address on my Equifax report is incorrect. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. I have attempted to contact XXXX XXXX XXXX at the address provided and my letter was 'returned to sender '. Please see attached photo of returned letter. Also attached is a screenshot of my credit report with the incorrect address. 

These accounts should be removed from my credit file.

Company response to consumer: Closed with explanation