BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 went on line in XX/XX/XXXX and my Transunion had my car loan that i have with XXXX XXXX XXXX, but the problem was that it wasn't showing any of my payments that i made nor any the payment history and also wasn't showing the right balance. so the first thing that i did was call my bank and spoke to XXXX who is over the loans an she said that i am being reported and she didn't know why that Transunion didn't show that so i went on line thru XXXX XXXX  an filed a dispute on XX/XX/21 and as of today i check my email because it said that it was completed so i logged in to my account and they said that Transunion investigated my dispute and DELETED this from my credit report!!! so i called them today and the rep said that yes they deleted it and that i need to have my bank resend and report again on my car loan to them, i told him that they deleted it and need to put it back on so i spoke to a supervisor an he said that they cant delete anything that my bank did, .which is a lie, i told him XXXX has it and also has the correct info an why don't they and he would not help me, the file number that i had with them is XXXX so i called my bank and spoke to XXXX again an she said that they didn't tell them to delete this and that i as of today am still reporting to them. i have never had this happen to me before and i really need help to put this back on my report with them, i still owe {$15000.00} on my car loan and i work very hard to have great credit, could someone please help me with this issue, TransUnion is a nightmare. i am attaching proof of what they said to me, an my phone calls were recorded when i called today with TransUnion, i called them 2 times, first time was at XXXX XXXX spoke to a rep then got transferred to a supervisor and then i called back at XXXX and rep hung up on me. thank you for your help

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX Bankruptcy Reference # : XXXX. The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

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 2023-01-15
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/22 I sent a debt verification letter to Arbor Solutions and never got anything back. My information was sold to another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: WY
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 - This is a heads up of XXXX selling an account that has been proven NOT mine and removed from my credit report a year ago. 
Today XXXX advised me in the attached screen shot that they have sold an account that is NOT mine to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Take notice it is a Fraudulent account and ALREADY proven. I am attaching the screen shot of email sent by XXXX that they sold it proving I owe NOTHING to XXXX I am also attaching the Fraudulent XXXX  account that was on my credit report last year XXXX and again was ALREADY removed for being Fraudulent. 
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B REMOVE THIS FRAUDULENT ACCOUNT XXXX ENDING IN XXXX was sold to XXXX XXXX, XXXX on or about XX/XX/2023 with a balance of {$2100.00} IF AND WHEN IT COMES IN TO MY PROFILE .... PLEASE REMOVE!

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 2021-03-16
Company: SYNCHRONY FINANCIAL
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX, I received a call from the local sheriffs dept about debt collection paperwork needed to be served. I received the paperwork, it ended up being court looking documents, signed by an attorney. I submitted a letter back to them as well as to the court that served me the papers. I received a call from the court saying the company hadnt even filed the documents with the courts. The document was fake. They received my request for documents on proof on XXXX and I have yet to receive anything back. The law firm was XXXX XXXX out of XXXX, ND. 

Another company had me served with the same fake document XXXX for a different debt. The law firm is XXXX XXXX XXXX out of XXXX, MN. 

Both documents state if I do not respond within 30 days that judgment by default may be taken against you. I plan to send the same proof of debt notice to this company. But after reading into the FDCPA, it seems this is a definite illegal process.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/2XXXX 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
on XXXX 2023, XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXX and XXXX  and XXXX XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX. 

I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation letter, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) has violated my rights.

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 2023-01-15
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am working on applying for a mortgage. The lender is unable to pull my credit report from Experian and XXXX. The lender is however able to pull my credit report from XXXX. I have worked extensively with both Experian and XXXX to verify all of my information is correct, ensure there are not holds or freezes, yet the lender is still unable to pull my credit. I have verified all the information my lender has is correct. Neither Experian nor XXXX have made any effort to help me resolve this problem but it is clearly something wrong with their system.

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 2021-03-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi Team : Its XXXX XXXX Here. PayPal closed my account for no reason and will not help me with getting it back up and going. I updated my all the correct documents/bank statements. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for couple of weeks. I am here to file a report as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email on paypal account is ( XXXX ) and i do freelancing online to pay my university fees. Now its difficult for me to manage my life. Please help me into this. I shall be really thankful to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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: Account status incorrect

Complaint:
Per my previous complaint with XXXX XXXX, the major part of my complaint was not at a addressed. The company did NOT address my complaint that they reported late payments even though I inquired about and received payment deferral for XXXX and XXXX due to COVID.

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 2023-11-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
this complaint is regarding my chase XXXX account ending in XXXX. 

on XX/XX/XXXX i sent chase XXXX my payment that was due on XX/XX/XXXX. 
i paid the amount due in full and, the payment was only going to north carolina. however, around the XXXX of XXXX i recieved my statement with a {$25.00} late fee and {$5.00} interest. it appears that my payment did not reach chase until after the XXXX. i can not figure out why? 

i called chase and they would not waive the fee 's. back around XXXX i had a late fee, ( of which i was also suspect ). i feel that there is a problem somewhere between New York and north carolina.that keeps my payment from getting there on time .i feel i can not be responsible for something that is beyond my control. banks always swear that the problem is not with them that they post payment 's when they should be posted, bla, bla, bla. it is always easy to blame the postal service, but i don't know. 
PS : i'm not sure if the payment goes to north or south Carolina, as i don't have a statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: Paypal Holdings, Inc
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:
Hello, I wanted to report Paypal for harassment. They keep assessing a claim on my closed XXXX for {$180.00}. I keep calling to get this reversed, but PayPal is continuing to put this charge on my account. 

During the summer, I opened a Paypal XXXX account ( there was an incentive ). It was advertised to me because I had a regular paypal account that I used to make purchases. I made some purchases on the card and paid off the purchases, as i always do. 

Then, on XX/XX/XXXX, there was a charge on my card for {$180.00} that I did not make. 

I reported this transaction for fraud and it was reversed XX/XX/XXXX. 

On XX/XX/XXXX, PayPal reassessed this charge of {$180.00} on my account. 

I called customer service and reported the charge again. They said there was an error made by the first agent and so it was handled by the wrong department. 

Today, I spoke with the investigations department for XXXX XXXX, and it was confirmed that my XXXX was closed on XX/XX/XXXX ( but as I remember it, I had closed it beforehand ). Sometime during the summer, I believe I had also reported the card as lost or stolen and locked the card to prevent any further transactions but I can not remember when this occurred. 

After, the charge reappeared on my *closed XXXX , in the amount of {$180.00}. Again, I called XXXX XXXX  and had the transaction reported for fraud. I never authorized PayPal to charge my closed XXXX. 

This amount was reversed on XX/XX/XXXX, as promised by the representative. 

Then, on XX/XX/XXXX, an amount of {$170.00} and ( {$18.00} ) ( for an interest charge???? ) was made on my account. 

I called again today to have this reversed, as soon as I had noticed. 

PLEASE help me put an end to this. I have made multiple phone calls, and spoken to multiple agents, from Paypal and XXXX XXXX. I don't want any more charges on my account or to pay for a transaction that is not mine. I asked for written confirmation to prove that this charge would not reappear but they refused to issue such a document. 

I can supply all the statements, proof, or documentation that I have or that I can reasonably access. All their calls should be recorded. I placed all my calls from my cell number. 

Please, please help me put an end to this harassment. I have done everything in my power to get this resolved but I have not been successful. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

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

15 U.S.C 1681 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 mor 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.

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 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting 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 to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 at XXXX XXXX. I received a text message and email stating I changed my number on my Chime account which i didn't. I reached out to Chime when i woke up about the situation and they started the disputes that following morning around XXXX XXXX. Around XXXX that day Chime sent an email saying no error occurred and they denied my case. Following the next day on the XXXX around XXXX XXXX  they sent me another email denying my other dispute saying the same thing when i sent them proof of the number being changed which was a NC number and an email stating a new login occurred which wasn't me. The hacker took {$4000.00} from my savings account and transferred it to my checking which already had {$100.00}. So totaling in {$4100.00}. Then the person transferred {$100.00} from my credit builder card to my checking and sent all my funds to a " XXXX XXXX ''. Totaling {$4200.00} the hacker took my money and Chime did nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation