BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. CHAPTERXXXXBANKRUPTCYDISCHARGED 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: GA
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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America I am writing to file a formal complaint against Bank of America for continually denying my claims and withholding funds that I am owed. Over the past several months, I have been dealing with numerous issues related to my account and have not received adequate and appropriate resolution from your institution. 

I am owed over {$30000.00} which has been wrongfully denied for several times. I have made repeated attempts to file a claim for the funds but each time my request has been unjustly denied without proper justification. 

Furthermore, I recently discovered that I had attempted to file a claim over a year ago and was assured by Bank of America that my claim had been opened. However, I later learned that this was a lie as the claim was never processed or even acknowledged by your institution. 

In my pursuit of resolution, I also sought help through the XXXX XXXX XXXX and I was advised by a Bank of America executive to contact them directly. Despite my repeated attempts to reach out to the executive, I have not received a response from them.

It is evident that Bank of America has been negligent in addressing my concerns and this has severely affected my financial situation. I strongly advise that someone from your institution contacts me immediately to address this matter. This is my final attempt to settle this without taking legal action. 

This is for my XXXX account. 
Card # 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 explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to the Fair Credit Reporting Act, 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. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed 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 XXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 explanation
Consumer complaint received 2022-10-12
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:
I want theses account deleted : XXXXXXXX XXXX  acct # XXXX, Caravant financial Acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX Acct # XXXX Transunion, XXXX and XXXX was requested to complete an investigation and ensure accuracy of my consumer report. The following accounts per the 3 credit reporting agencies came back verified as accurate. As of XX/XX/XXXX I checked my consumer report and found over 47 inaccuracies concerning these accounts. If all 3 CRAs did an investigation by contacting the same creditor why is it I have 41 inconsistences on my consumer report? I want these items deleted. I am supposed to be protected my the consumer laws : 15 USC1681i ( 5 ) A ) ( i ), FCRA 607b-accuracy of report, 15 USC 1681s-2 ( 8 ) ( E ) ( D ) ( iv ). Please see my consumer report and view all of the inaccurate information that is listed. For XXXX XXXX  Transunion is reporting a 30 day late payment for XX/XX/XXXX and XXXX and XXXX are reporting a 30 day late payment XX/XX/XXXX. XXXX is a closed account however XXXX is reporting an account status as open and Transunion and XXXX is reporting it closed. XXXX XXXX is a closed account however XXXX is reporting an account status as open and Transunion and XXXX is reporting it closed. XXXX XXXX Transunion and XXXX is reporting a high balance of {$1800.00} and XXXX is reporting nothing, Balanced owed Transunion and XXXX is reporting {$1300.00} and XXXX is reporting {$1400.00}. 

I want these items deleted from my consumer report 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 non-monetary relief
Consumer complaint received 2022-03-11
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2024-01-07
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Prior to opening this account I had asked many agents if I would qualify for this bonus and if there were any accounts open in the past that would prevent the bonus from being applied. Everyone advised me that I was eligible. Then after the account was opened many managers and reps started to say that my direct deposit did not qualify and that the account would not recieve the bonus. After attempting to escalate this concern to the highest level I did not get a resolution. An manager agreed to review the calls to validate my concerns but never got back to me with the resolution and had mentioned that she would request to have my bonus applied to the account. Then there was some back office team that tried to change the story and said the actual reason I did not get the bonus was because of some previous account that was opened within the time period that would not qualify for the bonus. This was never mentioned to me before during and after the account was open. The bonus was {$400.00}

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 2021-05-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2021 : Purchase electronic from XXXX using PayPal pay in 4, payment processor due to its flexibility. I notice PayPal purchase protection. 
XX/XX/2021 : Receive the item with quality or shipping defect after testing out.

XX/XX/2021 : Contact XXXX. Their agents are scripted and not in the power to help me. 
XX/XX/2021 : Contact PayPal via chat. Agent told me how to file dispute. 
XX/XX/2021 : Filed escalated dispute. 
XX/XX/2021 : The merchant replied to return the product to be eligible for a refund but at my own expense. I have no option to rebut from my side, only option to upload shipping info. PayPal is not investigating in the interest of consumer but in favor to merchant. They only give me option to enter or upload shipping info after the return.

So I asked PayPal, " The reason I opened the dispute case was because of product defect whether due to shipping mishap or factory error right out of the bat. Why would I need to return ship to XXXX at my own expense while Its not my fault and covered by PayPal purchase protection? '' PayPal closed my chat with no answer. They are avoiding. 
XX/XX/2021 : PayPal is sending out the email about some changes to legal agreement. Guess what. which includes changes in purchase protection without detailing anything.

but there is no answer or closure for me in dispute.

The industry is taking a toll because the company like PayPal is not doing the job investigating from the side of consumer and letting merchants to rip-off when they shipped the product with no QC. It was like you go to auto shop for an oil change and was charged and told the oil change was done without actually changing the oil. Basically nothing has done and the consumers like us getting charged. In fact, ripped off. 
Moreover, even shipping back to XXXX, at my expense and not at my fault, is another job for consumer and it requires me to fill out custom form and then I am asked to provide XXXX XXXX XXXX ( XXXX ) number which I got no idea what that is. So, how do I ship back? Still, no answer from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Lewis, McDonnell & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have never received anything in writing from this company regarding a debt. I did receive a phone call at work in XXXX or XXXX stating if I did not pay the amount owed I would be sent to jail and a sheriff was coming to my work to serve me papers. I asked for something in writing explaining who they were, the debt they were collecting for, and the amount owed. I also informed them to not contact me at work, I am a teacher and it is disruptive. I never received any documentation from them or another phone call. I researched the company and found that other people had similar experiences, even when they paid and that it was a scam. Since I did not receive any documentation from the company or a phone call on my personal phone regarding the debt, I assumed it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went to take money out at a atm to pay my rent but the atm just kept saying error so I just had to transfer to another account and withdraw from there but a month later chime let the atm company charge me the XXXX dollars even though I never received the funds in hand and pretty much said XXXX you and pay us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Today I received notifications that new collections accounts were added to Cbr reports ... I called Ability Recovery and was informed that they had been reviewing my BK filled in 2014 and stated I was still responsible for charges from dates of service XX/XX/2014!! My ch XXXX was discharged XX/XX/2014 .. I am not liable or responsible to pay this debt.. I do have 1date of service for XX/XX/2014 that they indicate Im responsible for .. 
I would like the verification of debt for the file associated with date of service XX/XX/2014 And removed the other to accounts off my CBR

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 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am writing in regards to my XXXX XXXX CC. I opened the card in XX/XX/XXXX and have always paid on time and more then what we asked from me. I opened this card to help with my credit issues and to help bring my score up. 
I have enjoyed being able to have this card up until XX/XX/XXXX when I received a notice from XXXX  that I was reported 30 days late from XXXX XXXX. I was very confused since I made a payment on XX/XX/XXXX in the amount of {$200.00}. I called and spoke to a manager by the name of XXXX that explained to me that it should not of happened since XXXX XXXX doesn't report until at least 60 days past due. She explained to me that I was only charged one late fee, that she removed, and it does not show late. XXXX then informed me that she was going to write in my account that this needs to be removed and for me to send a fax to XXXX. 
I faxed a letter out explaining my concerns and on XX/XX/XXXX I received a letter stating that it would not be removed. I find this unacceptable since I have been a customer that has been in excellent rating with you and also on auto draft. I know that when I was talking with XXXX I explained to her that I never received a notice letting me know that my account was past due nor that my payment did not go through. XXXX explained to me that this company does not do that. I looked into to it farther and noticed that before when my payment did not go through, it inform me and also let me know if the account was past due. 
I have enclosed that evidence. I have also included copies from the three credit reports where it shows different reporting. XXXX  report shows that I always paid more then what was due but not on the other two credit reports. XXXX  credit reports shows no past dues but states 30 days. XXXX   shows paid on time but past due as of XX/XX/XXXX which my payment is not due until the end of XX/XX/XXXX. All the reports show a different outstanding balance on them as well. XXXX   shows date of last payment being XX/XX/XXXX but its late as of XX/XX/XXXX. It doesn't state anything where is has a delinquency first reported on it. Transunion shows Current on worst pay status. 
I am just hoping that we can resolve this issue since it is not reporting correctly. 

I am asking for the 30 days to be removed due to inaccurate information on all three credit reports and not informing me when the payment did not go through since it has been reported to me in the past along with when the payment was posted and if over my limit. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, 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 XX/XX/19 received a letter from XXXX XXXX XXXX XXXX stating I owe {$1300.00}. They sent me a copy of the bill that does not belong to me and I have been fighting this for months. they say my account number is XXXX and sent the bill that belongs to XXXX XXXX this is not me please have credit bureau to remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX  is falsely reporting a paid off account 's status as currently in collections/charged off/referred to collections when the actual current status is paid.

The current payment status for Closed and Paid account # XXXX was being erroneously reported as 120+ days late with XXXX and Equifax so I disputed it since the account was paid in 2016. In response, XXXX recently maliciously changed that 120+ late status on the paid account to currently a BAD DEBT IN COLLECTION/CHARGED OFF to get my much better credit score to immediately drop from the supposed " new delinquency '' when it should reported as PAID/SETTLED.

XXXX  is attempting to keep the false Current Payment Status on my credit reports as negative as possible while placing the actual current status that it was paid /settled collection way down on the report as a comment/note/remarks section instead of correcting the Current Payment Status to PAID/SETTLED FOR LESS THAN BALANCE. Accurate reporting is required under the Fair Credit Reporting Act 5 U.S.C. 1681 and that means a certain level of above board transparency about what the current status of the account is. No money is due or has been due for 2 1/2 years now and never will be again, yet they are pretending that the current status of the account field is for stating what had happened with the account instead of its actual current disposition. This is illegal.

Instead, XXXX continues to reporting the CURRENT PAYMENT STATUS as a CURRENT BAD DEBT REFERRED TO COLLECTION, IN COLLECTION/CHARGEOFF or as CURRENTLY 120+ DAYS LATE, which is inaccurate and in contravention of the requirements of the Fair Credit Reporting Act 5 U.S.C. 1681. The account is not currently a bad debt, in collections or referred to any agency because it was settled and paid. This error needs to be corrected immediately.

I am requesting that this item be either deleted or adjusted to accurately reflect that the CURRENT PAYMENT STATUS is PAID or SETTLED in order to adequately reflect my true credit history and final disposition on the affected XXXX and Equifax reports.

Both of our records ( mine and XXXX  's ) reflect that this account was PAID/SETTLED in 2016 and that the title of the vehicle was released to me free and clear. The vehicle was later sold with a clean title and I have records of the bill of sale.

***Documents Attached*** - Not for Posting Examples from credit reports of how XXXX is falsely reporting my paid account # XXXX  on my credit reports.

On XXXX, XXXX  changed the false report of it being currently 120+ days late to a Current Payment Status of " in collections/charge off. '' On Equifax, XXXX  reported the Current Status as a current Charge Off/Referred to Collections making it appear new

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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 XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation