BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX we purchased an adjustable bed frame, but once it was received, we found it would not work for our needs. We contacted XXXX firm, and they told us they could not credit the account until the original order was received back, but they would open another account to place the new order. They said once the original order was received, they would credit and close the original account. That never happened. This debt was paid in full on XX/XX/XXXX. There were some unique circumstances, and we contacted the original debtor ( XXXX XXXX XXXX ) MANY times after the charges were paid, and were assured that this would be reconciled. Once Portfolio Recovery Associates bought the debt, they did not have access to all of the pertinent information and were unable to assist. Below is a timeline of what occurred and the problems with this account. 

XX/XX/XXXX - We spoke to XXXX XXXX with XXXX XXXX and placed an order ( XXXX XXXX. : XXXX ) for an adjustable bedframe and mattress, the total charge of {$2400.00}. This account/credit card number ending in XXXX. No interest for 12 months. 

XX/XX/XXXX The bedframe was delivered, however mattresses were not. The mattresses would not be available until XX/XX/XXXX. 

XX/XX/XXXX XXXX It was clear to us that the bedframe would not be suitable for us, so I reached out to XXXX XXXX XXXX via email to advise. He responded via phone and agreed to accept the return and we ordered the bedframe that would be appropriate ( XXXX XXXX. : XXXX ) XX/XX/XXXX Because the credit line wasnt enough to cover the return AND re-order simultaneously, he ( XXXX XXXX ) advised that we would have to open another credit card. This account/credit card number was XXXX. No interest for 12 months. 

XX/XX/XXXX We ordered the correct product and were assured that once they delivered the new bedframe and picked up the incorrect one, that a full refund would be given and that credit line and order would be closed. 

XX/XX/XXXX The correct product was received and the original was taken. The new total balance being {$2200.00}. 

The original account/credit card number ending in XXXX, was closed. We began making payments on the line of credit ending in XXXX. I will agree that we were late or missed payments, losing the interest-free promotion. 

XX/XX/XXXX We received the mattresses to complete the order. 

XX/XX/XXXX This charge was paid in full by us in the amount of {$2400.00}. 

They are now suing us for a debt we paid 100 % that was wrongly sold to a debt collector by XXXX bank. We have disputed multiple times over the past 3 years, and contacted all involved multiple times, but no one seems to care that we have proof from our bank account that we paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX I sold a car to a private party for {$790.00}. I have a signed Vehicle Report of Sale dated XXXX XXXX I attempted to file the sale with the DOL electronically. The sale occurred on a Saturday. The DOL offices were closed. I did not know there was a server issue with DOL, therefore the sale was not filed with DOL. I have a copy of my server history showing where I accessed the DOL online and a copy of an email from my credit card explaining that an attempt was posted to my credit card. 
XXXX Received letter from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX labeled DOL Vehicle Impound Notice informing me that I am responsible for the towing and impound of the XXXX XXXX. Impound/recovery/tow charge {$240.00} and Daily storage rate {$65.00}. On that same day I called XXXX and notified them that I sold the car. It was at that time I was noticed that the car sales was not filed with DOL and title transferred. 
XXXX I phoned XXXX and notified them that I sold the car. I gave them the new owner 's name and address as recorded on the Vehicle Report of Sale. I was verbally informed at that time that if I did not pay the towing fees and daily storage rates, XXXX would report me to a collection agency. 
XXXX Sale of Vehicle was recorded with the XXXX. Date of sale was recorded as XXXX. 
XXXX Received second letter from XXXX labeled DOL Custody and Sale of Abandoned Vehicle Notice informing me that I owe a total of {$650.00} for impound/recovery/towing and daily storage rate. The vehicle will be auctioned XXXX at XXXX. 
XXXX Phone call to XXXX informing them that the sale of the car has been transferred and filed with DOL. Mailed a certified letter to XXXX  including a copy of the Vehicle Report of Sale showing the sale date as XXXX XXXX Second Certified letter to XXXX  including copy of my computer server showing that I accessed the DOL and the case number showing that the new owner was in possession of the car and was arrested. 
XXXX Received letter from Accelerated Collection Services ( known as ACS ), XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX. Letter was dated XX/XX/XXXX. Reference number XXXX. As of XX/XX/XXXX I owe {$540.00}. Between XX/XX/XXXX and today I am charged {$25.00} in interest for a total debt of {$570.00}. 
XXXX Phone call to ACS XXXX XXXX and was informed I can contact them in writing to dispute the debt. 
XXXX Certified letter to ACS informing them that this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: MS
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Record type XXXX XXXXXXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Record type XXXX XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 U.S.C. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXXXX/XX/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 2023-10-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to 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.

According to 15 U.S.C. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I didn't report this to Experian because I don't need any more idiocy. They sent me an email to sign up for free credit monitoring as part of the XXXX XXXX XXXX XXXX. It included an activation code and link to a signup site. I spent a great deal of time filling out the form, filling in the code they sent by PASTING it into their form so it would be accurate. After I spent a lot of time filling out the form, my XXXX browser returned an error, " The XXXX token assigned for this session is invalid. Please refresh the browser page. " and didn't process my application. So I tried the same process on XXXX, and this time, when I clicked the " Submit and Continue '' button, nothing happened at all. This process took almost an hour, with no results. I'm not sure why I would want incompetent XXXX like this to monitor my credit anyway! So they're not giving me the monitoring they're legally compelled to give me, and it might not be of any use anyway, given their track record. It's an absolute outrage that horribly-run companies like this have so much power over our personal data, which they seize without any permission, and that we can't opt out of doing business with these 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 2023-01-23
Company: Chime Financial Inc
State: GA
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:
I paid for flight when came to catch my flight the next few days later they wouldnt let me board my flight due to verification of my card once the lady got my card to verify the information the gate closed and I missed my flight but not only did she verify the card information but she charged my card again for the same amount of XXXX I then dispute the charges the flight company refund my original payment but I did not get my other money back my bank then approved my claim and its been week since they did so and no funds put back into my account I been calling a week straight and they keep telling me 24-48 hours and here we are on week 2 I spoke to supervisor and everything they are not doing anything to get me my money back I keep me told the same thing everyday but nothing being done and the claim was approved I have bills to pay and its starting to stress me out its only XXXX CHIME needs to do better

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi my name is XXXX XXXX and im submitting this complaint myself. There is no third party involved. I entered a consumer credit transaction with this Navy Federal and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale.

Navy Federal have been calling multiple times at various hours and even on the weekends as well as texting and emails when im at work and inappropriate times, I have proof of the calls logs from the number XXXX. This is harassment. 

Ive sent a debt validation and affidavit to the CFO and it would also be uploaded here. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

Navy Federal have been violating my rights per the FDCPA and their policies state that they put the consumer 1st. 

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. 

They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt.

This dispute is specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA
), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

ACCOUNT # : XXXX, 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 2023-02-22
Company: ALLIANT CREDIT UNION
State: CA
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:
I had a credit ending in XXXX on file with a doctors office. On my 5th visit, the doctor failed to show up at the location noted in the 5 appointment reminders I received prior to the appointment date. 

I was charged a {$150.00} " no show fee ''. 

The issue is that the previous appointments were all virtual via video conferencing. The reminders for this appointment also stated it was virtual. However, the doctor traveled to a different state and failed to update the notifications their office sent to me. They expected me to arrive in person at their location in CA despite not telling me. 

I forwarded copies of the reminders to my bank ( Alliant Credit Union ). Alliant 's third party reps who handle charge disputes have agreed that I should not be liable for this charge, but state that the billing agreement I signed with the Doctor 's office has tied their hands. The rep suggested I contact Alliant directly ( which is where I started ). 

To my knowledge, the agreement does not cover the doctor failing to show up to the appointment. 

Attached are copies of the email and text reminders, both stating it was a video appointment. 

Also attached, is the " visit summary '' with the address of where the doctor was. This wasn't provided until after the appointment time had passed. I called the office and the secretary stated that this doctor had this same issue with several other patients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16
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: Personal information incorrect

Complaint:
Numerous times ive been disputing with Experian to have this incorrect address removed from my credit report. XXXX XXXX XXXX, XXXX, mi, XXXX. Is not my address. I do not live at this address. At this point, Experian is going against the fair credit act. ive provided proof that i do not live at this address. But yet, they still fail to remove it. I want this address removed immediately.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$330.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$180.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$82.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$78.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$27000.00} Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$650.00} Account Name XXXXXXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1200.00} Account Name XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$73.00}

Company response to consumer: In progress
Consumer complaint received 2023-08-28
Company: ALLIANT CREDIT UNION
State: FL
Product: Credit 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:
Merchant agreed, in an email, to refund cost ( less 20 % re-stocking fee ) of one ( 1 ) case of defective/damaged flooring material and three ( 3 ) cases of new, unopened flooring material. When I arrived to deliver the FOUR cases of material, the merchant refused to accept the damaged material and provided a credit ONLY for the three unopened material. I filed a dispute with Alliant Visa for the one ( 1 ) case of damaged material that was not refunded. I supplied Alliant representative with a full email chain wherein the merchant agreed to take back ALL FOUR cases of material and provide a credit therefor.

Alliant is a small fintech-type issuer and outsources their credit card operations to a company called " XXXX '' After providing all the information to XXXX and Alliant I received a provisional credit for the {$68.00}.

Subsequent thereto the provisional credit was REVERSED.

Upon seeing the reversal of the provisional credit I contacted AlliantXXXX. I asked why my provisional credit was reversed. To my surprise the representative told me that the credit was reversed as the merchant " already '' agreed to provide a refund. 
When I explained to the XXXX representative that the merchant credit was only for three ( 3 ) not four ( 4 ) cases of material, the XXXX representative said that there was nothing he could do and became defensive and rude. I requested the documentation showing I received a full refund for all four cases. Request denied. 
I subsequently contacted an Alliant employee in Alliant 's " XXXX XXXX '' The XXXX XXXX employee seemed to understand the gravity of the situation. 
I again supplied her with photographs as well as the email chain documentation detailing the merchants agreement to provide a credit for all four ( 4 ) cases of material. The XXXX XXXX employee agreed to re-instate the provisional credit to my account but to date has failed to do so. 
It also appears now that my online access to my account has been removed so I can not effectively monitor the account. However, I can see my account using the mobile app.

Company response to consumer: Closed with explanation