BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently discovered that my credit score dropped by over 100 points. I go a credit report and it says there was collection pending from ProCollect INC for XXXX for XXXX XXXX XXXX XXXX XXXX. I have never lived there before and have never received any calls or letters from XXXX, so I called the agency and they admitted it was their mistake. My name is XXXX XXXX, the person they were looking for name was XXXX XXXX, so they said they would remove it immediately. Which is good, but I have no idea how to confirm this has been done. Also, my lower credit score is affecting my interest rates on my new loans, so can you please help me get my credit score back to XXXX like it was in the previous months.

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a DUPLICATE complaint and this not being filed by a Credit Repair company. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1. Account Name : US DEPT ED Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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 2022-07-29
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I placed an order on XXXX on XX/XX/2022 for {$130.00} and used my PayPal account to pay for it. 

I never received the package, and when I called XXXX XXXX XXXX customer service, I put in a claim for either a refund or replacement for the items I never received. XXXX customer service was unhelpful and said that the package was delivered although they failed to show me proof. It was never delivered. They used a carrier called XXXX delivery. I went to XXXX and there is no phone number or contact information to ask them about my shipment. I contacted XXXX XXXX XXXX  again and asked if my item was insured like it would be if they shipped with USPS or XXXX  they didnt answer. 

I contacted PayPal because they advertise that they offer consumer protection when you use PayPal to pay for goods and services. I put in a dispute with PayPal about the charge, and they closed the case in favor of XXXX because XXXX reported my package as delivered. They also failed to show evidence. I have cameras in my building and no packages were delivered for me. PayPal and XXXX are defrauding me, neither company has done anything to help me PayPal says they protect consumers, thats why I use them to pay for things, but they dont follow through with their promise. Their are tons of complaints about PayPal doing this on XXXX and other sites and they have no oversight. They need to fulfill their promise to insure items bought using their services. 
XXXX customer service said there was nothing they could do, nor would they process a chargeback. The PayPal customer service rep told me to contact the government about this! So that is what Im doing? 

PayPal closed my case, saying I didnt respond to their request for more information about the item not received. But I did respond to their inquiry, and even attached a police report about the item not delivered. 
This is information that PayPal asked me to give them. So, they arent going to refund my money for me? I suppose this costs them money, that is why they always side with the merchant? I attached a screenshot showing the information, as well as the police report. PayPal also promised to get in touch with me again about this, but they did not. XXXX XXXX XXXX customer service promised to contact me again about the package, and they have not either. Every time I call to complain, they say the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02
Company: EQUIFAX, 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:
In accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. Stated that 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: DE
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft/mail fraud on XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that MIDLAND CREDIT MANAGEMENTXXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: IN
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:
My Credit was ran when I was at a car Dealership. I never went through with doing business with the Lenders on my Credit Report. They have access to my information without my Consent. 

INQUIRES XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX LATE PAYMENTS XXXX XXXX  Late Payments 30 day XXXX 60 day - XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-09-22
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 account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A 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 2022-12-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am disputing my current Experian, XXXX and XXXX credit report and requesting a re-insertion of my auto loan XXXX XXXX XXXX. It was removed from all credit bureaus, therefore, my credit scores have been reporting inaccurate. This is a legitimate dispute, and I am hoping you can resolve this matter. Please reinsert XXXX XXXX XXXX back onto my credit report. Thank you.

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 2022-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2022 I want to make a formal complaint about a pending charge placed on my credit card by Walmart. The pending charge of {$54.00} was placed was on my card XX/XX/2022. When I added items to my existing online order in the amount of {$10.00} pre-tax, Walmart placed a pending charge of {$54.00}. I was upset and phoned Walmart billing at XXXX and asked the representative why I had been charged {$54.00} when the added items were only {$10.00} pre-tax? She told me not to worry because the {$54.00} charge will fall off my credit card bill once the order has been delivered and I would not have to pay the {$54.00}. I told the Walmart representative that I was upset because Walmart had no right to place a pending charge of {$54.00} on my credit card when the additional items I purchased totalled {$10.00} pre -tax. I feel as if Walmart is stealing my money by placing a temporary hold greater than the amount of my purchase. The Walmart representative simply stated that she could NOT remove the pending charge of {$54.00}. I want the {$54.00} removed and the {$10.00} plus tax added to my credit card to reflect the correct pending charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: DC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.

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 2022-09-22
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I, XXXX XXXX, went to pay my program fees and when the XXXX ran my card it was declined due to being 'locked ' by Skylight XXXX XXXX ) I therefore contacted the company to find out that more money is missing from my card. They then reinstated me a new one. Money is missing from the account. I need help resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Atlanticus Services Corporation
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
FORTIVA REPRESENTATIVES ARE VERY RUDE. THEY WILL NOT LET YOU SPEAK AND OR TALK OVER YOU AFTER ASKING YOU A QUESTION. 

THEY CONTINUALLY DO THIS IN A VERY SET PATTERN AND IN MY OPINION ITS FOR ONE SIMPLE REASON, TO GET YOU SO UPSET YOU JUST PAY THE BILL AND HANG UP. 

MY CONCERN IS STILL THE SAME THAT THEY REFUSE TO ISSUE MY 6 MONTHS OF CREDIT PROTECTION TO THE ACCOUNT WHICH LOOKING OVER THE ACCOUNT WOULD ALLOW AN ADDITIONAL XXXX XXXX XXXX $ TO BE REMOVED FROM THE ACCOUNT TOTAL. 

CREDIT PROTECTION DEPARTMENT REFUSES ON THE REGULAR TO ISSUE ME A COPY OF THE FORM NEEDED TO GET SAID BENIFITS THEY ARE PLAINLY STOPPING ILLEGALLY ME FROM OBTAINING ACCESS TO THE THINGS I PAID FOR...

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 2023-12-18
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was incarcerated in federal prison since XXXX, during that time my credit card was being used without my knowledge and permission. When I was released on XX/XX/XXXX, I was contacted by Navy Federal Credit Union Collections department that advised me that a payment was due on my credit card account and that it was closed due to nonpayment. I expressed my concern and shared that my account balance should be paid off and funds to pay my credit card was left in my checking/savings account therefore, my account should still be in good standing. At this time is when I found out that my account was maxed out and I immediately filed a fraudulent claim. I provided the fraud department supporting evidence which included my prison release documents, prison ID card, police report, FTC report, and proof of other unauthorized activities with other consumers. After the submission, I was advised that the investigation would take 15 days which had soon expired and I had to reach back out to the fraud department to check the status. At this time I was told that my claim was denied because they had not received no evidence and had nothing to prove otherwise. Therefore, I resubmitted the supporting evidence and was told to wait 15 business days for a determination. My claim was denied for the 2nd with no explanation besides that I still owed $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I DISPUTE MY OLD ADDRESS ON MY CREDIT REPORT, AND THERE STILL THERE. I REQUESTED ON XX/XX/2023, XX/XX/2023, XX/XX/2023 AND STILL TIL THIS DAY, THEY HAVENT RESPOND. THE OLD ADDRESS ARE AS FOLLOWED., 1.XXXX  XXXX XXXX XXXX SC XXXX 2. XXXX XXXX XXXX XXXX XXXX, SC XXXX 3.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX 4.XXXX XXXX XXXX XXXX SC XXXX PLEASE HELP GET THEM REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Harvard Collections, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from XXXX collections. I responded in writing and by phone. I told them the account was not mine and that I never opened an account with the original creditor. I thought the matter was settled. Then XXXX collection 's reported the debt to XXXX XXXX, XXXX and XXXX  credit agencies. This has negatively affected my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX # XXXX XX/XX/2019 {$1000.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$1800.00} THESE ACCOUNTS ARE REPORTING INCORRECT

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 2022-09-22
Company: EQUIFAX, 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:
XXXX # XXXX XX/XX/2019 {$1000.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$1800.00} THESE ACCOUNTS ARE REPORTING INCORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
XXXX # XXXX XX/XX/2019 {$1000.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$1800.00} THESE ACCOUNTS ARE REPORTING INCORRECT

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 2022-08-28
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation