BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: Genesis FS Card Services, Inc.
State: MI
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 have been making double payments in the last month, using the same pay method. Turns out they have been canceling my payment and not Telling me about the problem. This can XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXp. I ask them to compensate this month of XXXX because I paid and they decline the payment without any explanation. Refuses to even admit they were wrong that could have cost me my new House I am buying. I did XXXX XXXX  and this is my thanks. This company needs to be put in its place. Milestone. XXXX XXXX. This is a scam that only accepts payments through bank accounts, so they can gain access. Shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a Bank of America Visa Platinum Plus card. I called and told them my son was in the hospital and I forgot to make my payment, I was one day late and turned my interest rate into 29.99 % I told them the circumstances and they will not make an exception I am single struggling mother and my son was sick. I have not been late one time ever. My promotional balance is over in XXXX XXXX 2018 and will be 21.99 %

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 monetary relief
Consumer complaint received 2023-01-09
Company: Paypal Holdings, Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Issues with VENMO ; I filed a dispute XX/XX/ they told me Ill get a credit, for the unauthorized transaction for XXXX, in 10 days. I then was told XXXX business days, then 30 days, then 45 days then I was told 50 days. Multiple online chats, multiple phone calls, multiple agents and multiple lies were told/made when I simply wanted my funds back for this dispute I filed. It officially got filed XX/XX/XXXX it is XX/XX/XXXX and I have received NOTHING, but a suspended account now I have up to 180 days ( sometime in XXXX ) to get the SAME XXXX I was supposed to have got back in XXXX. I have a XXXX XXXX XXXX and XXXX XXXX XXXX and now no house alllll due to this dispute that has been going on since XX/XX/ I am UPSET beyond measures because as a customer I feel as if this is a fraudulent bank who did not follow policy and now are keeping my funds & I have NO WAY of retrieving them until THEY feel as if it is a good day to release them to me XXXX assuming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. 

1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 2023-08-11
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Lamont, Hanley & Associates, Inc.
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received Letter dated XX/XX/XXXX from LAMONT , HANLEY & ASSOCIATES a debt collector for an alleged debt of {$230.00}. Original creditor is XXXX XXXX. First and foremost, this is a violation of XXXX and disclosure of my XXXX. Also, its a violation of my privacy per the Privacy Act of XXXX. Which was violated once XXXX XXXX shared any of my personal information with XXXX. Nor is there a contract between myself and LAMONT , HANLEY & ASSOCIATES. There are also other violations of Title 15 listed below : 1692b ( 2 ) False representation. All caps name, stating consumer owes debt ; 1692b ( 5 ) Using a symbol on any correspondence ; 1692c ( a ) Communication without prior consent ; 1692c ( b ) Communication w/ 3rd parties ; 1692d Harass and oppressive use of XXXX  about alleged debt ; 1692d ( 2 ) Obscene/profane language accusing me of owing an alleged debt ; 1692e Using false, deceptive or misleading representations ; 1692e ( 2 ) ( A ) False Representation ; 1692e ( 10 ) False deceptive means to collect a debt ; Each of these violations carry {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have attached a fraudulent account along with fraudulent unauthorized inquiries

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: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reviewed my credit report on XXXX at XXXX, XXXX and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, XXXX, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/, XXXX days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/6 notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a XXXX % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: FL
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 discovered that many accounts on my credit report were incorrect when I reviewed them. 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 without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK 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 2022-03-01
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, My credit card information was recently stolen and used to purchase thousands of dollars worth of cryptocurrency that I never gave permission for. The day I was approved for a credit increase, the hackers maxed out my credit card. My bank said they will investigate. But the charges are still on my credit card. I cant make any payments now because its maxed out. I need help asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I sent out a validation letter to Louisiana Recovery Service to validate how this is my debt since it was reporting on my credit report. I havent heard from them and have never did business with them prior to checking my credit report. However, after attempting to contact via certified letter and tracking the letter ; it is showing me that it was scheduled to be picked up at the post office and now it is saying reattempt to deliver.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have contacted XXXX  XXXX XXXX and Transunion on numerous occasions since XXXX of XXXX  concerning the fraudulent attempt to obtain credit in my name to no avail. 

XXXX  XXXX XXXX acknowledged the reported fraud but did nothing to assist with having the related inquiry removed from my report. 

Transunion is demanding that I receive a letter from XXXX  XXXX XXXX supporting my claim which I have done several times to no avail. 

Transunion is refusing to investigate my claim in accordance with FCRA. 

Fraudulent inquiries XXXX  XXXX XXXX - XX/XX/2022 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 2023-01-26
Company: EQUIFAX, INC.
State: TX
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 : 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. The afore mentioned accounts have violate my rights per the following laws : 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 explanation
Consumer complaint received 2020-03-24
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:
TransUnion credit report agency apply incorrect information to my profile identity.The credit file number # XXXX, have several credit card accounts, several fraudulent identical names with different middle initial attach to my credit profile information, and their are several fruadulent address to my identity. My credit report information have wrong social security number attach to my profile.

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 2022-11-17
Company: EQUIFAX, INC.
State: VA
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. 

XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Receivables performance ; XXXX XXXX XXXX XXXX 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 instruction.

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 explanation
Consumer complaint received 2023-03-24
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received notice from Harris and Harris dated XX/XX/2023 regarding a non valid debt from the Washington, DC XXXX XXXX XXXX. The notice from Harris and Harris did not include debt collection rights including language that states : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid ; If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt ; and If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information. 

In addition, this debt is not a valid debt since Washington DC has no legal authority to collect on automatic traffic enforcement fines from non-residents because there is no reciprocity agreement as required by law. This has been confirmed by the Mayor of Washington DC and has been reported in the news. A letter was sent to Harris and Harris on XX/XX/XXXX informing them of this and to stop contacting me, but they have attempted to contact me by phone at my work 7 times after they received the letter. I have all the voice messages and logs of the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Was not notified of investigation status or results

Complaint:
I am filling this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify and/or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi there, Per the terms of Chase XXXX credit card - As a one-time bonus each calendar year, you, as the primary cardmember, will earn a Category 1 through 4 Free Night Award after you spend {$15000.00} in purchases. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. 

I spent {$15000.00} in XXXX based on purchase date, however, several of my transaction only posted past the XX/XX/XXXX and the system didn't issue free night award automatically. I've tried to reach out visa XXXX but didn't hear back for over a week. Please kindly advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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