BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent a dispute contesting ownership of my last auto loan because I thought the account belonged to my mother. The dispute was sent to TransUnion, XXXX and XXXX as I recall and on XX/XX/XXXX, I received the results back as " verified '', the account belongs to me also. Well since that day I feel like I've been suddenly harassed as I checked the auto loan results I noted that the headline showed " Needs attention '' and in TransUnion I believe that notation caused a nosedive in the credit score. I could feel negative energy as I noted every collection account at least showed " Needs attention ''. Then I checked the other two bureaus and noted the same thing - " Needs attention '' on every collection account ( some of them are showing incorrect information ) that I haven't disputed.

I contacted the auto loan company they said it was the bureau 's responsibility. I'm hoping for the removal of the " Needs attention '' notation from every account that it has been placed on and perhaps my TransUnion account would see the higher credit score return.

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 explanation
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent letters out to XXXX Transunion and XXXX stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX XXXX deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. Transunion and XXXX   stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act

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 2017-12-05
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money through paypal to a girl from XXXX. I sent {$45.00} she only gave me part of the deal pictures. She was supposed to give me a show aswell through XXXX but did n't. And continued to ignore me. Her name is XXXX XXXX. The transaction took place at roughly XXXX XXXX cst time. XX/X/17

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Synovus Bank
State: RI
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 have sent multiple letter to this creditor pointing out the fact that they are reporting erroneous information to the credit bureaus, to experian they say i was " 150 days late '' o XX/XX/XXXX nad to XXXX  they say i was " late 120 days ''. They claim i have made payments of {$9.00} on this account on XXXX, XXXX and XXXX of XXXX and i have not, this account has been closed since XXXX. They are not reporting any information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, also another company is attempting to collect on this alleged debt on their behalf, and as i have read if another company is attempting to collect a debt then the original creditor can NOT report a past due or a balance on your credit report.i am not having a fair and accurate credit and is harming my possibility to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: NCC Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this before. It was removed from my file and reinserted illegally back in XX/XX/XXXX. I was paying the original creditor and during this process they went out of business and gained new management. I owe this collection agency nothing. I never had a contract through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE. 

CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance details 12 % paid off Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/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 PAYMENT HISTORY LEGEND Status At least 120 days or more than XXXX payments past due Status updated XX/XX/XXXX Past due amount {$8400.00} Original balance {$24000.00} Monthly payment {$650.00} Additional info Responsibility Joint Account Terms 66 Months Company sold - Original creditor - Comments CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number ( 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 2023-03-12
Company: EQUIFAX, 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:
In accordance with the 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 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666 b : A creditor my not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/XXXX ( pre-pandemic ) I used my American Express Delta SkyMiles Reserve card ( ending XXXX ) booked a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 

The trip was originally scheduled for XXXX XXXX XXXX but then the pandemic hit. We delayed the trip twice, ultimately rescheduling our stay to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We arrived to the hotel and it was not as advertised in photos etc. The room ( and entire hotel ) were in complete disrepair and everything was filthy. This was a premium-rate hotel for XXXX XXXX XXXX XXXX the conditions were uninhabitable. My husband and I couldn't even get through the first night, as the disgusting mattress was completely worn and impossible to sleep on plus there was no heating. 

At XXXX we began a search for another hotel but almost everywhere was booked due to the XXXX XXXX We finally found a place for the following night and informed XXXX XXXX XXXX management that we'd be checking out immediately. Unfortunately the new hotel was only available that one night, so that following night we had to move to yet another hotel. Then a couple days later needed to change rooms again due to unavailability. By the end of our XXXX XXXX XXXX we had stayed in a total of XXXX hotel rooms, which was not the XXXX XXXX we had in mind. 

We had corresponded directly with XXXX XXXX XXXX XXXX XXXX and email to demand a full refund, but even after acknowledging all the problems, all they were willing to offer was a completely free stay at one of their other properties. But why would we entrust the time and expense of another trip with a hotel who'd already proven to be disreputable. 

Anyway, all of this was thoroughly reported when I disputed the original transaction of {$2900.00} ( XX/XX/XXXX ) plus a disputed second transaction of {$600.00} ( XX/XX/XXXX ) from when we added a night to our stay before knowing what was to come. All documents, transcriptions, and photos were provided with the disputes. 

While the {$600.00} transaction dispute is still " pending investigation '', the original {$2900.00} transaction dispute was rejected because American Express " did not receive it within the required 60-day period ''. But how could I dispute a transaction for a hotel stay within 60 days if I've not even stayed there yet? What are the benefits of using my American Express card if they're not even protecting me? No one from American Express even bothered to make any attempt to contact me with further questions or anything. 

Overall American Express ' customer service, particularly with serious matters like disputes, has gotten so sloppy and time-consuming to deal with. I literally spend countless hours of my time trying to get anything resolved. So here I am complaining to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-23
Company: EQUIFAX, INC.
State: CA
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 personal information was impacted by the Equifax data breach on XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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 initially filed a dispute because I was dissatisfied with the merchants service. I cancelled my account with them and asked for a refund to which they replied it is nonrefundable. I filed thr dispute at the end of XXXX of this year. They were filed as separate claims for each transaction even though it was the same merchant. I kept having to go back and forth with the claims department due to the disorganization of the claims. They accepted two of my claims and then denied the rest, even though it was for the exact same thing with the exact same merchant. Their ultimate reasoning was that they don't interfere in gambling transactions. So I filed an appeal because it wasn't a gambling transaction. I gave them the relevant parts of the websites terms and conditions showing that it was a sweepstakes and gaming site. One agent in the claims department apologized to me saying they didn't handle the case properly and that he would escalate the appeal and that the merchants response was not strong so I should win the cases. That wasn't the case. I got an email today saying that they are still not going to help me with the my claim because they don't deal with gambling charges. So despite me showing and proving to them that it's a sweepstakes site. They took the easy way out and refused to do anything about it. What confuses me is that two of claims out of the XXXX are actually being disputed, why they couldn't work on the other ones is unclear to me since it's all the same merchant. Additionally it is illegal to gamble online in most states and I'm not in one of the states that allows online gambling anyway, so even if I wanted to gamble I couldn't. They are accusing me of lying saying it's a gambling site when the sites own terms and conditions show it's sweepstakes and games and that you can get free entries to the sweepstakes mailing requests in, no purchase necessary. That's not how gambling sites work. I am extremely upset because I've been working with them for over two months now and it's not even on chump change. One person says one thing and gets my hopes up then they deny it. This has happened like 3 times. I've been a customer with them for 11 years now and they won't even help me with something like this.

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 2022-08-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I contacted ARS consumer reporting agency to freeze my consumer report. I was told I needed to send my state issued ID and a utility bill to prove my identity. Im already a victim of identity theft. I explained I wanted to freeze my report. To no avail was I able to do it over the phone or online without sending other detailed info about myself. I asked to speak with a supervisor or manager and more than once I was told that without sending that info I wouldnt be able to speak with anyone. After giving my social security number date of birth and address and still couldnt get a security freeze placed on my consumer 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 explanation
Consumer complaint received 2023-09-09
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Old debt from 2019, that I acknowledge with XXXX XXXX. Made arrangements to pay collection attorney. After several payments on Glasser and Glasser web portal to pay were made. I started receiving letters that payments were declined. This was impossible since I paid from my personal checking account that had funds to cover bills specifically. Called several times, nothing. Pretty much told it was my fault. I called XXXX XXXX XXXX to confirm that it wasn't a problem on my end. They confirmed their was no history on the dates I made payments on Glasser portal even though I had a receipt. Meanwhile the balance is remaining large. They sent settlement letters with higher amounts. I retained a lawyer in hopes of agreeing to a reasonable amount I can afford and was basically told No. I am able to pay no more than {$600.00}, and consider paid in full. With the expectation of updating to this status with ALL 3 credit bureaus. As well as receive documentation of this arrangement. Paid in full at no more than {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
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

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 2023-09-08
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed a new collection account on my credit report for progressive insurance. As soon as I did I called XXXX and they informed me to call Credit Collection Services. I paid the amount in full and the representative on the phone promised the collection would be removed from my credit report. It has been a few months and the collections is still showing on my credit report as paid but not removed as the representative promised.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: NC
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 have sent my dispute letters to Credit Bureau numerous times and Credit Bureau is refusing to investigate into existing problem. I have pulled my report from all three credit Bureau in order to COMPARE my reports and I found numerous incorrect information and DIFFERENT information on each Bureau ; I can tell they didn't even try to verify information from my dispute letters. I have also obtained my report from XXXX different sources who provide credit report, so I can proof now, they my rights as a consumer were violated. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX - XXXX ; XXXX XXXX XXXX  - XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I'm exploding my rights and I'm filing complaint to Attorney General as well.

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 2018-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have this is the third time I have complained about XXXX XXXX XXXX XXXX # XXXX, THEY HAVE NOT SENT ME ANY DOCUMENTATION OTHER THAN A STATEMENT WITHOUT ANY SIGNATURE OR CONTRACT BARING MY NAME. THIS IS MY NOTICE OF INTENT TO FILE LAW SUIT. 
THE SAME AS CASE " XXXX XXXX XXXX XXXX V.S XXXX XXXX ( 2014 ) NO. XXXX. I DO NOT WISH TO DO ANY BUSINESS WITH XXXX XXXX XXXX XXXX. THEY ARE.. what is known as a debt collector and debt buyer. Debt buyers are a type of debt collector who do not lend money or issue credit cards, but who instead purchase defaulted consumer accounts in order to collect and file lawsuits on them. They have no documentation to prove that they owe the debts. Regardless of what documentation they have, the must still comply with the federal Fair Debt Collection Practices Act, they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: FIRST NATIONAL BANK OF OMAHA
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
The incompetence here is staggering, now i realize why i never got the first card and now won't get the second card as this bank never put my appt number down, thus i was even lucky to get my bill. 

Talking to XXXX now, about the incompetence here at FNBO. ( XX/XX/2023 ) She placed me hold. now getting a third card that who knows if i will ever get. 

What does it take for them to get it correct?

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