BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrwctwd right away : XXXX XXXX XXXX Balance $ XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Account # XXXX XXXX XXXX Account # 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 instructions 15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-11-03
Company: Experian Information Solutions Inc.
State: IA
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in 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

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 2022-10-08
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Earlier this year, there was a total of nearly XXXX hacking attempts to my Venmo Account. It is account I have used once, maybe twice. 

I reached out to Venmo explaining to them that I was furious this happened, and asked if they could provide any details on the breaches, who was attempting them, what region -- they had no information. I probed them further on any potential data breach -- they had no information. 

I felt very unsafe about this. As the account was still open and active, I requested they close the account. I was told I didn't have to close the account, they could freeze it. They tried to make it seem as though closing the account and freezing the account was virtually indistinguishable. I kindly let the representative know, I didn't want to do that, because I didn't use Venmo and we should close it. I ended the call thinking the account would be closed. 

I was wrong. Venmo decided to keep the account open, but it it in a frozen status -- and they are not the same. Once an account is frozen, per Venmo, it can not be closed. In order or it to be unfrozen, Venmo is requesting my government ID ( passport, SSN, Drivers License ). This was not required when I opened the account, and had they granted my request to close it at the time of my phone call in XXXX, this would not be necessary. More importantly, the person or people trying to hack my account can still make repeated attempts while it is in this state. In fact, I myself can still log into the account do all sorts of things. So why would I have casually agreed to this, knowing that my account would not only still be in jeopardy, but that I would be riddled and pelted with endless emails of the login and hack attempts some months after raising my concerns with them. 

I have no confidence in Venmo 's ability to handle my government-level identification. They know this. They refuse to close the account, and instead, I have had several additional hacking attempts to the account. I am very concerned about Venmo 's intentions with my government-ID. I've been advised by legal counsel to absolutely never send any organization such levels of identification, if they have shown impropriety before. 

Payment apps like this, the number of subscribers or users they have is key to their market value, which is why they don't want me to close the account. It is why they manipulated their power to keep the account open, when they could have closed it. So as far as they are concern, they can continue to pander to investors that they have x, y, z millions of users -- active or inactive, it doesn't matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a fraud block on my card cleared block using my mobile app. Account got restricted again I had to call Bank of America agent who answered was rude and condescending. Agent sent me verification link which I passed agent sent me a OTP which then began to argue with me how the code I was sent was not the code he sent me. Not sure how the agent id going to tell me what code I got as a text message informed agent this was the code I got agent continued to argue and become condescending going back and forth with me told me dont get an attitude. I didnt have an attitude I was frustrated at this point but was not being rude or having attitude agent continued to go back and forth and make comments on the phone agent would laugh on the phone and smirk asked for supervisor agent said he wound up clearing account agent finally got supervisor on the phone supervisor was 10x worse then the agent. Supervisor said youre XXXX because you cant verify your identity? Excuse me? Not sure who he thought he was talking to but I let him know sure wasnt me. Supervisor began to get an attitude as well supervisor then placed a hard restriction on my account out of spite and vindictiveness to prevent me from using my card because he didnt like my attitude and what I had to say which caused me to not be able to pay bills with my account. Called again got another supervisor who was floored and appalled at what I had to experience she saw what the supervisor did and agreed he was out of line. Asked Bank of America to have someone call me from corporate they never did they ignored me they had people call me from customer service who was useless and not who I needed to talk to. Bank of America refused to accept responsibility for what they did, instead covered up what happened and brushed it off. No research was completed or investigations done on the issue. No compensation provided which should be.

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 2019-08-24
Company: The Receivable Management Services LLC
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called the company and enquired about the account and they had my social security number instead of my son 's social security number, I had my son on the phone, and he verified he was the responsible party. Then they told me that he must have given them my social security number, which he denied, but either way the derogatory mark still is on my XXXX report, I have tried several times to dispute this with XXXX. This collection agency knows this is not my account, I have never had insurance with XXXX, and XXXX turned this account over to this collection agency RECEIVABLE MGMT SVCS. Which I believe has put this Derogatory mark for non payment in an attempt to make me pay my son 's payment because I have no bad marks on my credit report and my credit is above 740 points. since he is a junior and I am senior. our names are the same but his social is not the same as mine.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Delete XXXX XXXX service in accordance with the Fair Credit Reporting act 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-02-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I noticed on my credit report that my student loans were being reported twice. The old loan was being managed by DEPT OF ED/XXXX for a few months and then that account was " sold '' to XXXXDEPT OF ED. Both Loan servicers are listing this as an active account with a balance of {$59000.00}. This DOUBLES my loan amount which is inaccurate. DEPT OF EDXXXX  should have listed this account as PAID OFF/CLOSED when it was sold to a new loan servicer. This will negatively affect any efforts I to apply for credit as my student loan amounts are DOUBLED FALSELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX inquiry has not been removed from my credit report which I did not apply for and previously filed a complaint..this is against the law ..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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: CA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: CO
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 recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2020-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 received an alert on my credit report from Portfolio Recovery Associates that I owe XXXX XXXX, {$350.00} in which I never have done any services or relationship with at all!! The item appeared on my report XX/XX/2020. I did not receive anything on paper from neither just my credit report. I dont have any dealings with XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed 2 hard inquiries on my credit report that I did not authorize. First inquiry is from XXXX XX/XX/XXXX. Second inquiry is from Credit plus XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
The issue arises as I was believed to have XXXX in XXXX, XXXX and XXXX. 
Symptoms were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The XXXX I live in has Declarations for covenants and Restrictions. The HOA is responcible for exterior maintenance and Roof. In XXXX they would escalate the HOA Dues nearly double from the say I moved in.6 Upon examination The HOA concealed a Capitalization Fee Average of {$1500.00}, on all transfers charged to the Buyer, they did not report the additional revenue s deposited into the HOA Account and admitted the funds were drafted to the Developer, XXXX XXXX XXXX without any documentation or disclosure to members. I would bring this to light and also state that HOA Fees collected at closing were unlawful under TN XXXX Annotated XXXX thru XXXX " TENNESSEE XXXX TRANSFER FEE BAN '', and I also reported that reserves were short in the carryover sums from year to year with erroneous entries amounts beginning in XXXX. 
XXXX while manging rentals in XXXX the roofs were often leaking. Met the roofer and he stated in a recorded transcript the HOA was given an estimate as the roof was 5 years beyond recommended replacement, All said The HOA would not repair the mastr suite from rain damage in XXXX in my home, I repaired and billed the HOA and ended up in XXXX XXXX XXXX unit from XX/XX/XXXX to XX/XX/XXXX, I learned Mold Toxins were the cause not covid and proceed to bring personal injury suit against ther HOA, Then I recieve a demand Letter from an attorney in XXXX calling my XXXX that was currently ammennded and modified not due for payments until XX/XX/XXXX. The attorney for XXXX Bank, the merging Bank with Suntrust, would provide me an opprtunity to sell on the open market after I explained I had an amended agreement and that if I sell below market I will sue for damages. I learned Friday, that the Attorney represeting the XXXX, would take my social security number from the General Sessions Judgement run my credit and see that the XXXX is in default, XXXX interefering with my first which was in final documnetation for approval when these Foreclosures began to occur. The Law fim Acting as Substitute Trustee XXXX, Sellers, XXXX, & XXXX XXXX, main office is in XXXX TN ( XXXX ) but the Attorney acting as Substittute Trustee.is out of XXXX. The Attorney for the HOA XXXX XXXX, XXXX XXXX is based in XXXX, and having suppeona my finances would know my limited resourse to fight in civil. My XXXX XXXX Persoanl injury AND PROPERTY SUIT WOULD FOLD AS THEY i CONTACTED XXXX WHOLE SALE BUYERS AND THE DEVELOPER WOULD DENY THE PRESENSE OF MOLD.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: MD
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 a few inquiries on my report from unknown companies. Please remove these from my credit report 1. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See the attached documents.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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