BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-02-10
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: Account status incorrect

Complaint:
For the last XXXX years I was disputing negative accounts due to fraud. 
They never investigate properly and i remain in bed credit for XXXX years as my score stays at XXXX. 
Statuary of limitation was expired in 2021 but XXXX XXXX XXXX fraud negative accounts are still not deleted.

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 2023-11-02
Company: SYNCHRONY FINANCIAL
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Recently, PayPal Credit rolled out updates to their mobile application. Unfortunately, these updates have made accessing the PayPal Credit section of the app nearly impossible. Whenever I attempt to make payments or manage my account through the app, it either crashes unexpectedly or the specific PayPal Credit section malfunctions, preventing me from carrying out essential tasks. This technical issue has persisted despite multiple attempts to resolve it, causing significant frustration and inconvenience. 

Furthermore, PayPal Credit has refused to enable autopay for the deferred interest feature, which is the primary reason I opted to use PayPal Credit for my purchases. The 6-month no-interest promotion on purchases of {$100.00} or more was a significant incentive for me, allowing me to manage my finances effectively. However, without the option for autopay, I am left with limited choices : paying a fixed amount or the full balance. Neither option is suitable, as I may not always have the funds readily available to pay the entire balance, leading to deferred interest charges and late fees. 

This situation is incredibly predatory, as it forces users like me to manually send payments for the specific promotional amount, making it challenging to avoid deferred interest. The inability to set up autopay for the deferred interest amount not only undermines the advertised benefits of PayPal Credit but also puts users at a considerable disadvantage. The absence of this feature has led to me incurring unnecessary charges, including a late fee of {$30.00} and an interest charge of {$5.00} in my recent billing cycle. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold PayPal Credit accountable for their actions. Users should not be subjected to faulty app functionalities and denied essential features that prevent them from taking advantage of the benefits promised by the service. I request that you take swift action to rectify this situation and ensure that PayPal Credit provides a fair and transparent user experience, free from predatory practices and inconvenience.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE 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:
Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my XXXX credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022 I got an email from Bank of America stating that my account was added to another account. I never authorized or did anything to my account. This was my edd money I had left over which was about XXXX $ I still had on it. I wasnt expecting my money to be wiped out to zero. I called Bank of America and they kept having me try to change my identity questions because they were wrong apparently and tampered with as they said so I kept changing them every time I called. I filed a claim and called many times and told them I just wanted to find out where my money went and get it back like most banks do. They came back with saying that they found nothing wrong with my account. This was driving me crazy because I didnt touch that money. I needed it for bills and rent and clearly was struggling and holding onto it as much as I could. I thought filing a claim they would be able to see if the money was taken out by someone or put somewhere and that is usually what they do but they pretty much shut me out.

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 2022-05-21
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My full name is : XXXX XXXX There should be no other name listed please remove any other that remain My current address is : XXXX XXXX XXXX XXXX Pa XXXX There should be no other address listed please remove any other that remaim XXXX XXXX XXXX : XXXX XXXX XXXX My phone is number : XXXX Please update your records properly Regards 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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 see a few inquiries on my credit report that do not belong to me

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 2022-05-21
Company: BARCLAYS BANK DELAWARE
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:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX / XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2022-05-21
Company: Experian Information Solutions Inc.
State: GA
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 following account has violated my rights. 

Account Name Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statements, election, or waiver of status. 

I affirm under penalty of perjury under the Laws of the Land for the United States of America, that the foregoing is true and correct, to the best of my knowledge and belief.

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 2023-01-17
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Equifax & XXXX Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chime ( XXXX XXXX XXXX  ) Denied my dispute charges for fraud even though I called several times between XX/XX/2022 and XX/XX/2022 to let them know there had been fraudulent charges. I had to verify my identity multiple times and asked them to suspend my account so those people could stop making charges until the security was changed. Chime reopened my account without telling me while I was at work and those people once again got into my account due to their negligence. They made purchases in another state I dont live in. 
XXXX {$50.00} {$260.00} $ These people cleaned my accounts out and chime refuses to give me my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
Chexsystems is unable to dispute an account with XXXXXXXX XXXX  I never did business with this bank or applied for it .. the account is closed and paid in full and I want this account to be disputed and have the negative status removed off my account I never lived at XXXX XXXX XXXX XXXX Texas XXXX and Im asking for this address to be removed.. 

Also XXXXm disputing two accounts with XXXX XXXX and XXXX XXXX XXXX as identity theft I send in. FTC report but Chexsystems refused to honor it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have store credit from Zales, credit company is Comentity. 

They have consistently been sending their bills late. When they do arrive on time, its usually 2 to 3 days right before the due date. In addition, I have been consistently having trouble with making payments over the phone. Glitch after glitch, also the numbers to call is different each time, and on top of that they're threatening to charge me {$9.00} for a convivence fee just to make payment over the phone. Their statement don't even have the full credit card number, but their automated system is asking me for it. 

As a result, I am being unfairly charged over a {$100.00} worth of late fees. I don't know if this is just gross incompetence, or intentional as part of their scam. 

I have already contacted both Comentity 's and Zales ' customer service departments about a week ago. Comentity just blew me off and I haven't heard from them ; Zales ' passed the buck to Comentity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21
Company: DISCOVER BANK
State: PA
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:
XXXX XXXX has been reporting a late payment on my consumer file with XXXX. XXXX and XXXX XXXX XXXX is reporting a late payment every month since XXXX XXXX and. XX/XX/2022 on a closed account which is in violation of my consumer right 15 USC 1681 ( c ) no adverse action shall not be reported 15 USC. 1681 ( s ) 2 Responsibility of Furnishers has violated my right to accurate information 15 USC 1681 ( I ) a 2 how promptness in how notifications should be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CITIBANK, N.A.
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:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX / CBNA, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: RentDebt Automated Collections, LLC
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Signed non disclosure with property management to terminate lease without penalty or fee Moved out of XXXX XXXX XXXX in XX/XX/XXXX Paid remaining rent in the amount of {$1000.00} on XX/XX/XXXX and received confirmation from them that it had been paid Sent to collections for {$1000.00} on XX/XX/XXXX Called the property manager and e-mailed to which we were told it was a mistake on their end and they would fix it. After a series of e-mails and calls for 2 months I sent a dispute on my credit file on XX/XX/XXXX to which the dispute was not resolved despite the proof of payment and confirmation from the property manager themselves! 

This amount is still on my credit report adversely impacting my score and financial stability along with my federal security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXX XXXXXXXX XXXX Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last XXXX months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within XXXX days of the completion of your reinvestigation. I also read that under federal law, you have XXXX days to complete your investigation. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within XXXX days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.

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