BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: TX
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:
In my consumer report there is a charge off ( XXXX XXXX XXXX ) reporting and this is illegal to do because charge offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not reported in a consumer report. Also, charge offs should never be reporting monthly as this is. I never authorized to report this. this is defamation and I will ligate this company for defamation because they are reporting information that theyre not suppose to which is causing damage to me financially and emotionally.

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 2022-12-22
Company: Experian Information Solutions 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:
After submitting information that needs investigating I found that my credit scores are significantly lower, and because of one of the same accounts that I'm having a problem with. Every credit agency now has me in the low 600s. I was heading toward the mid 600s ... this is really discouraging!!! I definitely need this to stop and my scores to show back above the 630s. Thank you all in advance for your help with 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 2021-09-20
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote to the company in XXXX to dispute the debt from XXXX XXXX XXXX after the first dispute it has been passed on to another Collection Agency and have failed to send anything with my signature or an original signed contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MD
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 sent the letter off on XXXX XXXX. Here is my tracking # 's ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ). To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 ). 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. Also according to ( 15 USC 6802. ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party These are clear violations of my federally protected consumer 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 2023-11-10
Company: Experian Information Solutions 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:
Notice for Proof of Claim Account : -XXXX # XXXX, -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of in debtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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 2023-03-13
Company: United Revenue Collection Service
State: PA
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:
United Revenue Collection Services Was deleted from my XXXX, United revenue collection services placed the account back on my XXXX, and XXXX did not notify me within 5 days.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting aft XXXX Account # XXXX, has violated 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency 15 0.3.6 1605 A creditor may not treat a payment on a credit card account under an open and consumer plan as late in any reason

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 2023-06-26
Company: EQUIFAX, INC.
State: NJ
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.

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 2023-07-22
Company: EQUIFAX, INC.
State: VA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$19000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid off my credit card balance on XXXX XXXX, 2022. I did not receive credit for the payment during the XXXX or XXXX and now XXXX billing cycles. The check was cashed by the bank ( credit card company ) on XXXX, 2022. I reported this to the bank and sent a copy of the cancelled check. They told me that they would conduct an investigation which may take up to 60 days! During that time I should not have to make payments or accrue interest which they have not been doing. 

I again inquired about the status of the issue and was now told it would take 90 days! I was also told I must make payments and I will be charged interest ( on money I do not owe ) I have tried to get an update as recently as today to no avail. I believe I need support from your agency to resolve this matter. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I'm hoping I am in the right place. On XX/XX/2021, I sent my niece {$200.00} via PayPal as a wedding gift. My niece never received it. After looking, it appears i misspelled email address. She uses her college email address and i put a ". '' between her first and last name when no ". '' was needed. Email address i sent to is not a working email address. I tried sending a test email to it and it came back as undeliverable almost immediately. I have contacted PayPal a couple of times and they tell me to contact my debit card issuer as that was where money was withdrawn from. I contacted my debit card issuer, XXXX XXXX XXXX, and they said that should an issue for Paypal to resolve, which I agree with. I have received absolutely no help from Paypal. I get the same canned message from their support team

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: BARCLAYS BANK DELAWARE
State: AL
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I was charged {$210.00} on my XXXX XXXX by XXXX XXXX  for a XXXX purchase that did not happen and does not show up anywhere on my XXXX account or my husbands. It is identified as XXXX " XXXX  XXXX XXXX CA. Calling the number leads you to XXXX. When I stated the charge was fraudulent ( immediately, since I received a text via phone alerting me to the charge ) XXXX closed my account per my request and issued a credit in 2 billing cycles. There were finance charges and late payment amounts that accrued and also were credited. I paid the balance in full {$620.00} minus the fraud amount and fees attributed to said amount. Since the fraud amount was in the pending status when I alerted them, the agent said that the charge had to post before they could look into it. Is that correct? Our accounts for Gap were transferred to Barclays Bank during that time. The amount of {$270.00} was a transferred balance on XX/XX/XXXX to that account with the words XXXX. When I called Barclays and asked what this balance was being transferred, they stated they did not know and to contact XXXX XXXX. XXXX Bank said my account was closed and they had no further information. After several calls to the fraud dept. at Barclays with documentation sent per snail mail certified since no one has a fax machine in this day and age ... .numerous phone calls for almost a year ... since they charge it off and then put it back on and finally sent a letter on XXXX XXXX. XXXX stating that I was not responsible for the fraud. XX/XX/XXXX they send another letter saying the charge is valid since they did not receive documentation. Which is not true, I sent want I have certified mail ( but today claim that I did not have an account Id # XXXX on every piece of paper it would not be looked at. Almost a year later I am hearing about an Id #. The original fraud people with Barclays kicked the claim over to another fraud division since I closed this account also. I am a customer that pays her account in full every month. I treat every credit card as a cash account. Now I have to worry about my credit score ( that is always around XXXX ) being tarnished by insane business practices. Bottom line.. neither XXXX or Barclays want to be held accountable for the fraud, and want to claim it is the other businesses issue. It is XXXX XXXX  that should be responsible but it should be Barclays responsibility to work it out with XXXX Bank.

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 2022-08-06
Company: World Acceptance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan was for XXXX and I was paying on time and I had job loss of hours and I let them know I could pay at least XXXX dollars every week they wouldn't accept it and put it on my credit report at first it was XXXX and since the loan was made in XXXX has now went up to almost a XXXX XXXX dollars in its placed on my credit report as a charge off and collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
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 with 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 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 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-12-03
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My USBank CD for {$100000.00} matured on XX/XX/2020. This was a transfer account from XXXX XXXX XXXX  I call the XXXX XXXX /USBank number at XXXX on XX/XX/2020 in the 10 day window for CD instructions prior to maturation. I spoke to XXXX who took my instructions to transfer the balance into my savings account. He confirmed this would take 7-10 days and a letter would be sent to confirm. No letter was ever received. 

I called on XX/XX/2020 to the number above and spoke to XXXX. After discussion and hold time for her to confirm actions to be taken the call was disconnected. I called back same day and spoke to XXXX at XXXX XXXX  AZ time. She confirmed my requests was " done '' and action would reflect in 7-10 days. 

I went online today XX/XX/2020 and the CD information no longer appears and the money was not transferred into my savings. I called number above and spoke to XXXX who confirmed that the CD was closed and a certified check was sent. Since the CD was closed they can not stop payment and take the requested transfer action. This check will not be received for ANOTHER 7-10 days. US Bank has denied me access to my funds for what could be a total of 19 days!!!

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 2022-03-23
Company: AFNI INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AFNI INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : The Office of Registered Agent for AFNI INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
I was sent letters from all 3 credit bureaus stating there was nothing they can do until they receive identification from me drivers license, proof of address and social security card. These items I had included with my Identity Theft report. I have attached documents submitted to the credit bureaus.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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