BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
in accordance with the fair credit reporting. States i have the right to privacy. 

and these thing are wrong on my report. 

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 XXXXXXXX 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 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 2023-04-04
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX XXXX DATE ; XXXX XXXX XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THIS. THIS IS FRAUDULENT ACTIVITY REPORTING ON MY CREDIT FILE I DID NOT CONSENT TO THIS ACT OF FRAUDULENT ACTIVITY I WOULD LIKE THIS REMOVED 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 2022-04-27
Company: BARCLAYS BANK DELAWARE
State: VA
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:
I am writing to dispute a charge of XXXX to my XXXX account in which I have been disputing with Barclays XXXX and the XXXX  XXXX, since XX/XX/XXXX. The merchandise I received from XXXX  XXXX  was inspected by a XXXX XXXX store in XXXX XXXX XXXX, in XXXX VA on XX/XX/XXXX, XX/XX/XXXX, and by The XXXX  on XX/XX/XXXX. On all three dates it was determined the merchandise I received is indeed fake. 

I ordered the item on XX/XX/XXXX. The seller XXXX XXXX XXXX  has a FAST SHIPPING | 7 DAYS MONEY BACK GUARENTTEE policy on their webpage. I received my led to believe authentic XXXX XXXX handbag merchandise 15 days after purchase ( see attachments ). When the seller shipped this led to believe authentic XXXX XXXX XXXX, they only valued the bag to be worth XXXX dollars. 

Their web page states all products are 100 % authentic and once you receive your merchandise you can get it authenticated. On XX/XX/XXXX ( one day after receiving ), and XX/XX/XXXX, I was told verbally it was fake by a XXXX XXXX sales associate. XXXX XXXX will not offer authentication services in writing because it will damage their brand history and many years of expert craftsmanship. I believe XXXX XXXX knows XXXX XXXX will not offer authentication services in writing and that is why they state to get it authenticated by a XXXX XXXX retail store. On XX/XX/XXXX XXXX XXXX did send me an email after my 2nd visit stating this. 

On XX/XX/XXXX, Barclays XXXX requested that I get a 2nd opinion document on letterhead from another licensed or qualified merchant in the same line of business to support my claim. I reach out to The XXXX. The XXXX XXXX XXXX is an online and brick-and-mortar marketplace for authenticated luxury consignment. Due to Covid-19, my appointment was schedule for XX/XX/XXXX. On this date it was determined again this merchandise is not authentic. 

A senior valuation manager for XXXX XXXX inspected the merchandise on XX/XX/XXXX and discovery the colorway throughout the dust bag, the date code tab shape, date code font, the inferior quality materials throughout, logo tab, colors and fonts used throughout collateral ALL INCORRECT XX/XX/XXXX, Barclays XXXX has closed my case ( XXXX ), due to too much time spent.

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 2023-04-30
Company: Upstart Holdings, 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:
I opened a dispute against Upstart Network regarding the violation of my federally protected consumer protected rights and the requirements of the FCRA, that the company failed to comply with. 

As per the company 's own arbitration agreement, in instances where a dispute arises, this must be handled through binding arbitration, the company did not do such a thing. 

As per the company 's own terms and conditions, they will not sell my information to any third parties, which they did when they sold my information to the various consumer reporting agencies, without my written consent. I did not receive the XXXX XXXX XXXX XXXX disclosure, as necessary by XXXX XXXX. 

I requested all accounting history related to this account, from account opening until account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: OK
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:
in accordance with the fair credit reporting. States i have the right to privacy.

and these thing are wrong on my report. 

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 XXXXXXXX 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 2023-01-24
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: Information belongs to someone else

Complaint:
This company is not putting the accounts in question in disputes unless I call in and spend XXXX hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX  XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
During all of 2018, Ive happily used my PayPal account to purchase my important things through merchants. In early and mid months of 2018, the PayPal website would request from me my mobile to number to verify identity again, and it was always successful. On XX/XX/XXXX, I received my third incoming seller payment that I accomplished via XXXX. The amount on XX/XX/XXXX was {$150.00}. My funds were placed on hold until XX/XX/XXXX. The funds were released to me on my PayPal account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I attempted to purchase socks from XXXX for {$8.00}. My purchase could not be processed by PayPal because I was running into an error message. PayPal once again requested from me my mobile number to verify identity again, of which it was not successful, and is still not successful. PayPal has told me that their security flagging system is automatic, that nothing can be reconfigured, although I hardly believe they tell me the truth. There was not a problem with my identy verification before I processed a seller payment from XXXX into my PayPal account. All of a sudden I ran into error measures that they could not explain to me in any specific way. They clearly have a system larger in scope that simply identify checks. It is based on what theyve made the system which is a system that is built to do whatever it wants whenever it wants to peoples money and personal accounts. I hereby chose to end my relationship with PayPal and close my account. And once again, they have made up their own reality and took illegitimate control over my account. PayPal will not close my account because : A ) Their faulty security system continues to request my mobile identity verification ever after I removed my mobile number from their site, B ) On the telephone PayPal told me I could not close my account until I have withdrawn the funds even though they know I can not withdraw or debit due to their error message, and C ) in a new e-mail dated yesterday, they slammed me with more demands that I must have my withdrawal cheque processed and cleared by my bank before PayPal will choose to close my account. They know for a fact that they can submit unclaimed funds to any U.S. State. They are not legally bound to force me to take funds in order for me to close my account. Theyre creating their own deceptive abusive policy because they have chosen this. I will not do business with PayPal. I do not consent to any business with PayPal. They are not pals in any shape or form. They are XXXX. Greedy XXXX XXXXXXXX with a T.O.S. thats hundreds of pages long, and of how thousands of consumers have hatred for them all over the Internet. My PayPal balance as of this letter date is {$0.00}. PayPal will close my account NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: SOUTHSTATE CORPORATION
State: SC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When first time I complain Sourh State Bank dodge the complain. When I did second complaint, we went personally to bank to resolve the issue. At that time we provide certain information which bank had to provide When open the CD account. In second complaint 's answer bank mentioned XXXXXXXX XXXX  name that she explained to us about interest rate, that is not correct. Now South State bank is closing the case as bank is not willing to grant interest rate as bank claim at maturity. Bank mentioned in answer that it is written in disclosure, but bank only provided that disclosure after we signed for CD. We don't think bank is a help. Big institutions always work for their profits. General public is always a looser.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXXXXXX  XXXX  XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$200.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX {$990.00} XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$780.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-04-30
Company: Experian Information Solutions Inc.
State: MS
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:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed 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 2017-05-14
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
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:
Hi, I have paid  MARY JANE M.ELLIOT P.C  the debt I own them, on   XX/XX/XXXX .    I paid them {$4000.00} We both agreed for this amount.   After I made the payment I called them and asked them if they received the money, they said everything is fine now and soon it will show on the credit report that you have paid the debt.   After a week I have received a letter from  the cou  rt, XX/XX/XXXX  d istrict court, it was a garnishment release.   I call again  MARY JANE M.ELLIOT P.C ab out this letter and they said it was about your debt which you have paid and you are ok now.   I had to check my credit on     XX/XX/XXXX  a nd I noticed that the debt which I paid t o MARY JANE   M.ELLIOT P.C w as showing as unpaid.   I c all MARY JANE M.ELLIOT P.C ab out this and they said, the court must have fixed your problem, we ca n't do anything about it.   I call the court at the same day, they said they have n't received a disatisfaction judgment from  MARY JANE M.ELLIOT P.C,  without it we ca n't help you.   I ca ll MARY JANE M.ELLIOT P.C, th ey said they sent it and they ca n't help me .. . ..I ca ll the  XXXX  district court again, they said, they never received it and without it, we ca n't clean your debt.   I have called them many times and they still keep saying me the same thing.     XX/XX/XXXX   Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Good Morning : On XX/XX/XXXX I received a letter from Target Red Card Services saying that I hadn't made a purchase in awhile roughly 8 months with a XXXX balance on my card. Last purchase was on XXXX 
The letter stated that if I didn't make a purchase in a few months they would send me another letter reminding me of their closure policy and to allow me to make a purchase to keep the card open and my credit limit of {$4300.00}. 
On XX/XX/XXXX I had made a purchase then hand second thoughts cancelled the purchase and the remade the purchase. I ran into a problem which was finally revealed that my credit limit had been reduced by {$3300.00} and that I needed to get a XXXX to release the cancelled amount to make my purchase. 
On XXXX I sent an email to the XXXX heads of Target letting them know that I was an infuriated customer and that I expected to have my credit limit put back to {$4300.00}. 
I have heard nothing until today when on XX/XX/XXXX I received a letter dated XX/XX/XXXX that basically they were not going to nothing. Sorry, to bad nah nah nah. 
Here is the problem in their letter on XX/XX/XXXX they stated and I quote " If there is no new activity in the next few months, an additional correspondence will be sent to you to remind you of our account closure policy, prior to any action being taken. As a reminder your credit limit is {$4300.00}. '' End quote. 
the problem is that they did not send me a reminder letter and on XXXX they reduced my credit limit. That in turn hurt my credit score, and my credit rating. 
I called Target Rec Card Services the evening of XX/XX/XXXX and talked to a supervisor, who at first I was nice to and then progressively became verbal with because they made the mistake and caused me to have my credit reduced and as I stated to the supervisor, respect gets respect and I felt I wasn't going to or did I get any respect. So none given in return. Ask for the recording that was placed at XXXX XXXX XXXX XXXX  ) and lasted for XXXX Minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Theres too many to list. I jumped onto chime after having my accounts compromised after identity theft because it was advertised XXXX easy, no fees, etc. 

Anything you ask chime they respond in a way that makes you certain they dont even comprehend XXXX. I have almost XXXX dollars worth of unauthorized charges that were disputed only to be denied. They reopened through what they refer to as rebuttal tonights conversation I was told no provisional credits because I was disputing merchandise not received which was never the case. The companies are all over seas. You can literally talk to them and get no where. You ask a question and they ramble on no where close to what was asked. 

I got on their XXXX page and it seems to be the norm. Any interaction is a waste of time. They should not be allowed to handle peoples finances. Definitely a predatory operation. 

Chime has been the worse part of recovering from identity theft. 

I have more docs just aggravates the life out of me because theres nothing I can do on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Valley Credit Service, Inc. (OR)
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Before this debt was sent to Valley credit service I had tried talking to the DR office XXXX XXXX the person that deal with billing became hostile about eh bill, I tried to explain that I had talked to my insurance company about the amount owed at that time I was informed my insurance company that they were not submitting the bill to them correctly and that all I owed on the bill was a co pay. 
I have also tried talking to the collection agency and the XXXX XXXX XXXX  XXXX  and explain that I had already tried to talk to the dr office and what information did she need from my insurance company saying that yes they would have paid if they had gotten the correct information. so yes I am disputing the amount that they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX XXXX IS CONTINUING TO VERIFY FRAUDULENT INFORMATION TO XXXX, XXXX, AND TRANSUNION I'VE ASKED FOR A FULL INVESTIGATION INTO THIS ACCOUNT DUE TO THE INACCURACY AND I DID NOT MAKE THE CHARGE I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX AND XXXX IS IN VIOLATION OF THE FCRA

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