BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company is calling late at night early in the morning i asked them to stop calling they refused they are sending me threating message and i never signed a contract with this company i asked if this could be deleted off my report while in dispute they refuse this is not my debt and i would like it removed from my credit report due to reporting false information i asked can they show me proof of verification of debt with my signature on a signed contract they have failed to do so Im asking this account be removed off my report A.S.A.P

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-03-04
Company: Experian Information Solutions Inc.
State: CA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I sent dispute letters on XX/XX/XXXX, XX/XX/XXXX to Transunion in which they have not responded or investigated any of my letters. When I called the first time after 45 days I was rudely disconnected from the rep and when I called back I was told to call back tomorrow. When I called back the next day the rep I spoke to informed me that I should wait a few more days to hear back from my dispute letters, although it has already over 3 months and no response from them. It's displaying 1 late payment for XXXXXXXX XXXX  which is incorrect and is very detrimental to my credit report. I am very upset. They're not following the law and continue to not care about the damage they're causing with these incorrect payment 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 2023-08-16
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:
XX/XX/, I downloaded a letter from courthouse website stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

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

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-03-04
Company: Experian Information Solutions 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:
It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXXXXXX 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 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 2023-03-01
Company: EQUIFAX, 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:
XXXX XXXX XXXX, XXXX : {$7000.00}, company is reporting inaccurate information to my credit report. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX 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.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1666 ( b ) states billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Wells Fargo closed my account after a {$60000.00} check deposit from a large gambling win, I attempted to deposit the check I on XX/XX/XXXX. I have receipt. On XX/XX/XXXX {$5000.00} of the {$60000.00} was supposed to be available to withdraw, I attempted to do so and was told there was a hold on the account. Checking e-mails later I saw more details. 

I've called the company twice to try to expedite the process of receiving my money, I've went into a physical branch once to try to expedite the process. Neither have done anything. I've also tried to create notice on social media ( XXXX ), no progress has been made.

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 2022-01-09
Company: SYNCHRONY FINANCIAL
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
First of all Ive tried multiple times to contact PayPal by phone and online. All attempts are without success because everything is automated. I cant talk to a live person employee. Im having trouble with income because of the pandemic and loss of business and income. 

Over the Past three months Ive been charged interest fees on XX/XX/XXXX for {$9.00}. XX/XX/XXXX interest charge {$30.00}. XX/XX/XXXX {$40.00}. XX/XX/XXXX {$9.00}. XX/XX/XXXX interest charge {$30.00}. XX/XX/XXXX {$40.00}. XX/XX/XXXX {$9.00}. XX/XX/XXXX {$32.00} interest charge. XX/XX/XXXX {$40.00} late fee. 

They lower my credit limit without warning and charge me an excess amount of fees again for being over the credit limit. Again I call and call customer service. Either waiting for XXXX minutes without answer or agent answers and hangs up on another attempt to reach customer service. 

Im getting completely buried financially by this company. I have no means or options to get help, or any type of assistance. I dont know how a business can operate with no regards or options for myself the consumer. Now Im faced with {$300.00} minimum payment requirements and Im trying to catch up financially after a long finically income drop off with the pandemic rules and regulations. 

If I cant get ahold of anyone at PayPal, I cant explain my situation, I cant work on a solution to recover from this type of fees, late charges and penalties. Im not seeing my 100 % on time payment record on my credit report being ruined now because of their late payments they reported. I feel like no customer should ever be exploited like this in America by and company. I need help. I need protection from this companys exploitation and unfair reckless behavior. This could have been avoided if communication was made. Setting up payment arrangements or reduced minimum payments or recommendations on a resolution.

Ive been completely left in the dark, Im getting charged with fees that Im not even able to understand. I can not ask PayPal. Instead of any type of communication Im being threatened with emails and statements that I cant respond or ask questions about.

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 2022-12-21
Company: Dave Operating, LLC
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a " Dave '' debit card in the mail thanking me for opening my account. I did not open an account and this is FRAUDULENT On XX/XX/13 I called the bank the account was opened at XXXXXXXX XXXX and XXXX XXXX XXXX  and gave them the Account number on the pamphlet on the card. They showed that as a XXXX account number, but said I needed to work with their " Dave '' representative, as they had nothing to do with the set up of the account. 

I was then transferred to the " Dave '' representative, who spoke with a XXXX XXXX but I am not sure of her location. She asked me for personal information like phone numbers and address for confirmation. I told her I did not feel comfortable providing. I did provide the account number again and told her this was fraudulent. I asked her to deactivate the account and send me an email, and to report this to the credit bureau, ( I gave her my address and had her say it back to me for confirmation ). To this day I have not received this confirmation. I wish to have this immediately for understanding this issue is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling a couch on XXXX XXXX. The scammer sent me messages stating that because of my Zelle account limitation, he had to send me extra {$400.00} dollars from his business account. I received a " Zelle '' email stating that I need to refund the sender that {$400.00} dollars before I can receive any payment. The scammer sent me snapshots of pictures of bank transactions. I sent the money via Zelle. Then I received another email from " Zelle '' stating that I need to send more money. I realized this is a scam. I hope the company takes action against the scammers and change their policies for not protecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: CA
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:
REF : XXXX XXXX XXXX XXXX XXXX I CORRESPONDED WITH THIS COMPANY ON XX/XX/23 THEY HAVE NOT VALIDATED OR VERIFIED THIS ACCOUNT OR GIVEN ME ANY REASON TO BELIEVE THEY HAVE THE RIGHT TO BE REPORTING MY INFORMATION I DON'T HAVE A CONTRACT WITH THIS COMPANY OR THE ORIGINAL CREDITOR. 
THEY HAVE NOT SENT ME ANYTHING I MADE A COMPLAINT ALMOST 30 DAYS AGO WHICH THEY HAVE NOT RESPONDED TO EITHER PLEASE DELETE THIS ACCOUNT IMMEDIATELY FOR NOT VERIFYING OR VALIDATING THIS ACCOUNT OR RESPONDING WITHIN THE 30-DAY INVESTIGATION PERIOD BY LAW THEY HAVE TO DELETE THIS ACCOUNT FROM ALL XXXX BUREAUS WHO ARE THESE PEOPLE I'VE ALSO RESEARCHED SOME CONSUMER LAW AND THE GRAMM LEACH BLILEY ACT ON THE FC WEBSITE THEY ARE IN VIOLATION OF AT LEAST 10 CONSUMER LAWS AND SUBJECT TO PAY XXXX IN FEES TO ME THE CONSUMER. 

I'VE ATTACHED THE COPY OF THE INITIAL DISPUTE SENT ALONG WITH THE TRACKING NUMBER THAT THEY RECEIVED IT OVER 30 PLUS DAYS AGO

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 2023-07-07
Company: Experian Information Solutions 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$530.00} XXXX  XXXX XXXX Balance {$110.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After i noticed this Random account being repoted to my Consumer Report I Contacted Transunion via Phone XX/XX/2021 to notify them of the Adverse item. The Representative was unable to assist me even after i notified them of the specefic account that was being reported inaccurately. they were completey ignorant to the law. on XX/XX/XXXX i wrote the company notifying them of the Law Codes they were in violation of & i have not heard anything back from them..

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 2021-10-22
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collections account on my file that I have never done business with from I C SYSTEM INC # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 explanation
Consumer complaint received 2023-09-07
Company: JPMORGAN CHASE & CO.
State: TX
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/XXXX, i was notified that an external account had been linked to my checking account. As this was not my doing, I immediately called Chase to inform them that this action was not performed by me and that I believed my account had been compromised. They stated they would begin an investigation. I have documentation from Chase stating as such. 

On XX/XX/XXXX ( XXXX transactions XXXX for {$240.00}, XXXX for {$240.00} ) XX/XX/XXXX ( XXXX transactions XXXX for {$240.00}, XXXX for {$240.00} ) XX/XX/XXXX ( XXXX transactions XXXX for {$490.00}, XXXX for {$490.00} ) XX/XX/XXXX ( XXXX transaction for {$490.00} ) Money was transferred to that same external account. 

I disputed these charges, as they were not authorized by me on XX/XX/XXXX. I was told they would investigate and also have documentation stating as such. They informed me that those transfers had been completed from my mobile banking app and that account repair was necessary to secure my account. They at that time removed the external accounts access to my funds. 

Funds were returned to my account the next morning, with a letter that the funds were temporarily given back while they completed their investigation. 

On XX/XX/XXXX, Chase denied my dispute, stating that the charges were authorized. After contacting chase, an appeal was filed. 

XX/XX/XXXX, Chase again denied my appeal and the case was closed. 

These transactions were to an account that I had expressed was not me, Chase told me they were looking into it, and still allowed that account to take the money, then proceeded to deny my dispute for these charges.

Company response to consumer: Closed with explanation