BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
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:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities, so it's very infuriating to be told those accounts have been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : XXXX. The date you contacted the creditor. 
XXXX. The contact information for the creditor. 
XXXX. The name of the person who verified the item to you. 
XXXX. The method of communication you used to verify this information.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or list of inquiries 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 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 2021-03-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
A follow up to my existing case with Chase bank I have still not received the receipt of wire that has been requested on at least 5 occasions from Chase. I subsequently found out that the account the wire went to was a fraudulent company and i made Chase aware of this over a week ago. The XXXX bank in question will not discuss the matter with me as I am a third party and Chase as my financial institution are the only ones able to address this on my behalf. I have spent hours on the phone, at the branch and writing secure messages and i have still not had one person contact me about the fraud or even been able to by given a department, number or person who I can talk to, to take action. I have spoken to at least 20 people who each refer me to another department where I am always told it is not them. I have asked for a clear copy of the process that supports the handling of such issues and no-one can provide this. I'm sick of being lied to and passed off and I am talking to attorneys to decide who I will use to sue Chase for dereliction of duty and gross incomitance. Note that the FBI are involved in the case. 
Every call I make I hear the words ' We appreciate your business and value the opportunity to serve you '. A complete lie as no-one is serving me! Who is vetting and auditing Chase bank processes and systems to ensure that they are robust and effectively support the services they are selling?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Paul Michael Marketing Service
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX posted a debt to collections sometime in XXXX. I received a bill from XXXX randomly in XXXX, with a service date from a year before in XXXX. I had health insurance at the time of this service and when I spoke to my health insurance they told me that they negotiate with medical providers and I do not have to worry or pay for bills sent to me. I called XXXX to tell me this and they said they will make a note on my account. Then I didn't get anything else from XXXX and thought this bill was resolved. Next thing I know there is a debt collection on my credit report. The debt collector " PMichaelMK '' never once reached out to me to tell me that I owe and never gave me a chance to dispute, or become aware that they placed a medical debt on my credit report. It has been sitting on my credit report for years and they have not ONCE contacted me about this debt. XXXX also handled this medical billing poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These inquiries are reporting on my personal credit file with Equifax and XXXX ( Credit Reporting Agencies ). These inquiries were reporting fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX & XXXX XXXXr ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX  XXXX have not provided me with any evidence, authorized or created by me. Below are the inquiries not authorized by me ; XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX Card Services Inquiry Date XXXX, Equifax Mortgage Service Inquiry Date XXXX, XXXX XXXX Inquiry Date XXXX, XXXX 5 Inquiry Date XXXX, XXXX Inquiry Date XXXX, XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXXXXXX Inquiry Date XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: MA
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've sent several disputes to remove account XXXX XXXX XXXX XXXX  off my credit file. This alleged account is hurting my reputation of having good standings. Also, violates my human rights and federal laws. They have neglected to fix my report many times Under 15 usc 1681a, exclusions. A report does not include transactions or payment history to credit file. 
15 usc 1681b. Permissible purpose. Unless written instructions of the consumer to whom it relates. I never gave no written nor any permission to furnish in my report. 
Also, under 15 usc 1681, you can not furnish information knowingly inaccurate.

By law my report must be 100 % accurate at all times. Clearly, this is in violation and identity theft, nobody gave permission for my information or to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX XXXX & CO XXXX XXXX XXXXXXXX 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 2023-08-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX ), account number : ( XXXX ), account name, ( XXXX bank ) account number ( XXXX ), account name, ( comenity bank/ulta ) account number ( XXXX ), account name, ( XXXX bank XXXX Account number ( XXXX ) account name ( XXXX capital XXXX account number ( XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies

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 2021-03-05
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There was a fraudulent activity made on XX/XX/2021 with my PayPal Key. However, PayPal keep declining my claims about the fraud charge. 

Firstly, When I first found the fraud activities, I immediately deleted the compromised PayPal Key. However, the transaction still went through. Then for some reason, the transaction got split into 2 charges. So I filed 2 claims against those 2 fraud charges. The first one got approved, but the second one got denied. Since those two charges were coming from the same transaction, there should be no reason for PayPal to deny the second claim. I appealed the decision of the second case but my appeal was denied again. 

Secondly, the default payment card in my PayPal Key was linked to one of my credit card. However PayPal charged my checking account which I never authorize them to do so!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ally bank restricted my emails in XXXX pay out of no reason. I have tried to contact them to know the reason and get this resolved. They are just impossible to work with. It took them days and still not know where the problem is. Worst bank ever. Their customer support is basically useless, kept transferring me here and there. I can't not even remove my email on their website. Now my emails are completely blocked by XXXX pay. Email is my personal property. I don't think it's legal for Ally Bank restricts and holds my emails.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ally financial did not apply two payments despite having accepted the money to my account for my car and on XX/XX/XXXX at XXXX they repossessed my car. They claim my account is 80 days past due when it is not as both the XXXX and XXXX payments were made. Now they are refusing to admit their error and not returning my vehicle.

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 2023-08-17
Company: WELLS FARGO & COMPANY
State: IL
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 opened a wells fargo credit card for their 0 % balance transfer offer. I applied for a balance transfer of XXXX by taking a picture of my discover card and submitting it online. This went thru per wells fargo on XX/XX/XXXX. My discover card never recieved these funds. After review wells fargo submitted the funds to someone else 's discover card number which they gave me their number and stated since it went thru to someone else 's discover card it was my responsibility to pay the XXXX. I contacted discover card and after giving them the card number wells fargo gave me they said the balance transfer did go thru but that this mistake was made on wells fargo end and I had to go thru them not discover. I called wells fargo again and was told that since the funds went thru to a discover card member that I was liable for this charge and there was nothing they could do since they can not recover these funds from discover card. I told XXXX # XXXX who I had been talking to that I should not have to pay another person 's balance and he stated there was nothing they could do. That I owed the money that was never put on my account. This is not right. I am not liable for another person 's debt. This has got to be a fraud because when I asked him how the picture of my discover card number got translated wrong he said that it was my debt still.

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 2018-06-28
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: Account status incorrect

Complaint:
My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Transunion by filing a direct dispute with them. They stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached an account status letter from XXXX stating my account has never been delinquent and my forbearance from XXXX XXXX proving my account was in forbearance during the period its marked late on my credit report. I believe Transunion is not actually doing an investigation and just running it through their eocsar system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with ZERO late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A few months ago I reviewed a copy of my Experian credit report where I noticed an account that is reporting inaccurately. It is showing I paid late but that is not true I have not paid late and I have contacted the creditor which continues to tell me to contact the bureaus to correct this erroneous information on my report. Ive contacted Experian multiple times via mail and telephone, yet they have not yet fixed their inaccurate reporting! As I am aware by researching, these inaccuracies on my report are a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT. And it also fall under 15 U.S Code 1666 ( b ) billing error- 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to obligor. 
5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
Experian is violating the following FCRA law by reporting this inaccurate data : : Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. These bureaus are violating multiple FCRA, FCBA laws and i want them to correct this inaccurate data as soon as possible because it is detrimental to my credit score, which is causing me great stress to me and my family and affecting our ability to grow financially and obtain a home loan.

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