BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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

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 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I am Submitting this complaint with the CFPB due to TransUnion NOT being in compliance with the law of the FCRA section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On XX/XX/XXXX I sent a dispute letter to Transunion on XX/XX/XXXX, I received a letter back of dispute results stating that the company that reported the information certified to TransUnion that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with TranUnion doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

Thanks

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 2022-02-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo wont let me use my account anymore. Whenever I try to pay somebody it gives me a vague error " There was an issue with your payment please try again later '' What originally happened is I had an issue with my bank account where I didn't have enough funds to clear a payment. Since then Venmo won't let me make a payment or delete my bank account. 

Today I tried to make a payment using my newly added chase credit card - denied. 

I tried readding my bank account ending in XXXX and it was also denied from verification. The two trial deposits I entered are XXXX and XXXX. They are now saying " Unable to verify bank account '' and that the two deposits are incorrect. 

Venmo, I am kindly requesting a more detailed explanation as to why my account is locked right now, something beyond your typical " for security purposes '' vague explanation. 

If you do not unblock my account, then consider this my official request to delete ALL my data and information from your databases pursuant to the California Privacy Act. If you won't let me use your services anymore, AND you won't give me an explanation or time line as to when I will be able to use my account anymore, then there is simply no reason for you to keep my information on file. 

Previously I tried to delete my bank account information thru the app, but I noticed your app was designed in a way to not let me easily delete my bank account information. I had to call in and wait on hold for a very long time before a representative was able to delete it. 

No reasonable person would find this behavior acceptable. Venmo, please provide a thorough explanation as to what is going on with my account and do not hide under the blanket excuse of security. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried and tried with all three credit bureau Experian, XXXX and XXXX to remove the late payments from XXXX XXXX. The late payments needed to be removed from my credit. I never got one statement at and was XXXX to XXXX. They mailed all the statements to Florida resident of XXXX XXXX XXXX, XXXX, Florida XXXX. While XXXX, I also had all my mail forwarded to my current wife address in Ohio of XXXX XXXX XXXX, XXXX XXXX, Ohio through USPS. Once home, I found out about all the late payments. So I took action, I Paid and closed the account. I Was Never told or had knowledge of her late payments. Some of her payments were gone up by XXXX dollars, where I believe she was paying XXXX a month, and it had gone up to XXXX a month. But Regardless I am very responsible on my payments and I can not have they post that on my credit they need to remove those late payments specially since I paid and closed that account as I am very responsible as an XXXX and XXXX XXXX veteran who served my country proudly. The least they can do is remove the late payments and or remove select portfolio from my credit completely. My history shows I have always been responsible with my mortgage payments. Problem is, I recently checked my credit report to find out this late payment charges. If you see my credit report, I have always paid my creditors on time with past mortgage companies. So It would not make sense that I would be late on a small payment of which I had no knowledge. And I was divorced so my communication with my x wife was of non-existence, please help a responsible veteran who fought hard and survived. Please help. I am also in a process of getting veterans department lawyers and civil lawyers involved in this case to go ahead and sue select portfolio. I have tried to call select portfolio to get my account number and had no luck with them, they said I was not in their system God bless PS : I have added the war statement and awards for the section 5 in this application concerning my veterans ' status.

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 2022-11-09
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:
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 Acct name : Department Of EducationXXXX Acct XXXX XXXX Acct name : XXXX XXXX XXXX XXXX Account XXXX XXXX Acct name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 USC 1681 section 602 A. 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 an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2021-07-20
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Because of the pandemic, I fell behind on my auto loan, I contacted the lender and ask for a payment deferral. My request was approved and any payments missed would be applied to the end of my loan. On or about XX/XX/2021 I contacted the lender to update my financial status at which time I was informed that my vehicle has been placed for repossession and the loan has been written off. The representative said the only way to cancel the repossession is to pay the past due amount of XXXX. I WAS ABLE TO PAY XXXX In XXXX and I paid the rest of the past due in XX/XX/2021. Because my business was slow to recover I started to fall behind again for the months of XXXX XXXX and XX/XX/2021 for a total of XXXX. When I contacted the lender to make the payment I was informed yet again that my vehicle has been placed for repossession and the past due was over XXXX. I tried to resolve the discrepancy but they would not tell me how they arrived at that amount. When I checked my statement online I was not able to locate the XX/XX/2021 statement, I called the lender and the lady I spoke with was very helpful, she was having problems trying to understand what was going on with my account and had to put me on hold several time 's, finally, she said she can't figure out what is going on that she would have to get a manager involved. She also noticed that billing had my address in Colorado not California

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-03-08
Company: PRESTIGE FINANCIAL SERVICES 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: Account information incorrect

Complaint:
Prestige Financial has been Harrassing badly. This company has been threatening me over the phone.They have been giving false balances to the credit agencies. They lied and stated to XXXX that I was included in my bankruptcy they werent. When my score goes up they report a fake balance. When ever I do a review on XXXX or XXXX they follow me and report and increase to the credit bureau. They filed bankruptcy and still want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX pickup truck listed for sale on XXXX on central Michigan website. Asking price of {$20000.00} I answered the ad and was in contact with the seller XXXX XXXX from XXXX XXXX, NE. She said she was selling the truck because her husband had died in a bike accident and keeping it really hurt her. She stated she wanted to use XXXX XXXX   XXXX for the safety of both of us. I provided my name, address, phone number and she said XXXX would contact me with the information for completing the transaction. They notified me of the bank to send the wire transfer to and once received I would get the delivery information. The bank they first told me to send the funds to was XXXX XXXX XXXX  to the account of XXXX XXXX those funds were returned to my account minus {$45.00} with the notation " unable to apply credit ''. So I contacted the number they provided for XXXX and they reissued instructions to the XXXX XXXX to the account of XXXX XXXX That transfer was accepted and I received shipping information that the truck would be shipped with arrival on Saturday XX/XX/XXXX. I would then be allowed five days to inspect the vehicle and if accepted XXXX would release the funds to the seller.The vehicle did not arrive as promised and I have been unable to contact anyone involved in the sale. Internet fraud victim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I logged on to one of my Citi/AAdvantage accounts to make a payment and discovered that the account, with no notice or explanation, had been closed. I logged on to my other Citi/AAdvantage account and discovered the same thing had occurred. 

I talked to three separate customer service representatives, not one of whom had any idea why my accounts had been closed.

In the meantime, I received letters from Citibank after the fact that my accounts had been closed because I had one or more late or returned payments. 

I made an online appointment with a Citibank representative, who called the credit card division, and was told that I had a few payments that had been returned. None of those payments resulted in a late fee, as the minimum amount due each month had not only been met but also surpassed. The representative with whom I spoke said she had never heard of such a thing as an account being closed because of returned payments, especially those that were in excess of the monthly amount due. 

She filed a request for a review of my accounts, and I was notified two days later that the accounts could not be reopened because I had one or more late or returned payments. The reason there were returned payments in the first place was because on those few occasions they were not showing up on my available credit and I chose to make the payments to another card where they did show up immediately and thus allow me to earn points. 

First, I have not had one late payment on either account since opening them. Second, the returned payments were not due for payment at the time. Third, the Late Payment Warning on my statements is that if minimum payment is not received by the due date that I might incur a late fee and my APR may be increased. Nowhere does it state anything about returned payments that do not constitute minimum payments. Finally, I did not get so much as a letter of warning or explanation, in which case I would have not had the payments returned. 

I see no reason, given my history of prompt payments on my accounts, that Citibank could not have simply reopened my accounts ; instead it has caused great damage to my credit score. I request Citibank reopen my accounts so I can continue to be a valued customer. 

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The dates include from 2021 to now current date. 
There are 26 Hard Inquires on my credit that I DID NOT allow the company 's to look into my credit report for any given reason. I have told them to NOT run my credit and when i go to check my scores and my credit report I see a lot of Hard inquires have been added that i DID NOT allow.

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 2018-03-14
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are medical bills that are unverified. I have on several occasions sent letters to all 3 credit reporting agencies as well as ; the collection agency, which i have not received any validation of debt. 
Additionally, any reporting of debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
COMMONWEALTH FINANCIAL SYSTEMS in the amount of {$410.00} XXXX XXXX XXXX in the amount of {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/3 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.

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 2018-01-17
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company started reporting on my report as of XXXX XXXX, 2017. I have not received anything in the mail about this debt. In fact, I 'm not even sure its mine. This debt has not been validated. I want it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX CA, 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