BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: Paypal Holdings, Inc
State: TN
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This purchase was made to an overseas merchant for 3 items in which I did not authorized, After, constant attempts to reach customer service in this matter ; I have been unable to reach anyone to remedy my dispute in this matter. There is an large balance from funds that again I did not authorized. Further, I filed a dispute and PayPal dismissed the dispute as not eligible for reimbursement with this transaction. In which the merchant is non responsive and have not replied to any request in reference to this transaction and remains unavailable. The purchase was made on paypal platform, I did not authorize any payment in this amount or for 3 XXXX XXXX  from an overseas merchant. In addition, I have previously filed with this agency about unreleased funds being held for merchandise sold on XXXX  where the funds are being held by paypay past the time frame mandated in its disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2023-03-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had my credit reduced by AMEX corporation and was not given any specific reason. My credit score is the same and I have never missed a payment. 
I have had payments delayed due to lack of communication between Amex Checking and Amex Savings but have made the payments the next business day in full. 
My authorized user used XXXX XXXX XXXX XXXX to pay her Amex Blue card and XXXX XXXX XXXX XXXX bank failed to honor the CASH deposits to pay her account. 
I have had my account limited and have had to appeal which is essentially reapply for credit despite my 19 year history with Amex Bank. 
In addition to all of this I have had Amex bank make repeated " draws '' on an account already paid and was advised that " NOONE can stop or override the draw once it begins and it draws three times. 
I am owed XXXX XXXX ( I can't be certain without an audit ) that was never returned due to the automatic draws despite the fact that the bill was originally paid. 
I would like to continue doing business with Amex but if they deplete my account with no objective rationale then I'll move to XXXX and just maintain an emergency account there. But to pay an annual fee that is one third of my limit is ridiculous insulting and in violation of several REMA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried numerous times to have XXXX removed from my credit. I do not have a XXXX account & I have tried having this removed serveral times unsuccessfully. 
They are currently reporting negative on my credit for two amounts from XXXX. 
One for {$580.00} & XXXX from different dates. 
I did not authorize or have this account.

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 2018-02-28
Company: FC HoldCo LLC
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called costumer service because I was a victim of some of the names on my credit report and I would like to remove this hard inquiers on my credit report because customer services did not want to dispute it over the phone!

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 2021-07-22
Company: Early Warning Services, LLC
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: Personal information incorrect

Complaint:
Ive contacted The XXXX  XXXX more than one also contact the consumer reporting agency to get the issue resolved. XXXX  XXXX XXXX Is reporting statements and addresses that are causing me serve distress preventing me of employment, banking and also defamation of character. It embarrassing to have such a statement written about me. Ive never committed any fraud with anyone nor do I owe any balance. Ive contacted XXXX  XXXX XXXX multiple times asking for validation of this this so called account. Ive attached both what the XXXX  XXXX has written about me and also the response of XXXX  XXXX XXXX. They only send me Bank Statement that clearly has an address that doesn't belong to me nor am I associated with it. The XXXX  XXXX removed this Account over a year ago than turn around months later and resubmitted it to there reporting system. 

XXXX  XXXX XXXX is violation of 15 USC 1692 for reporting inaccurate information and also sending their logo via communications. 

The XXXX  XXXX is also in violation of 15 USC 1692 for sharing my private information in which I never gave consent to and also sharing misleading and inaccurate information. 

attached is proof of my address, identity and also Exhibit A XXXX  XXXX reporting wrong information Exhibit B XXXX  XXXX XXXX proof of violation 15 USC 1692 ( B ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday, XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required Dear Consumer Financial Protection Bureau , I am writing to follow up on opt-out letters dated both XX/XX/XXXX and XX/XX/2023, in which I formally exercised my right to opt out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to Experian, XXXX, and XXXX XXXX This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Regrettably, Experian, XXXX, and XXXX have chosen to ignore both of my opt-out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

I am now submitting a formal dispute with the following requests : XXXXImmediate Removal of All Furnished Accounts : XXXX  I request that Experian, XXXX XXXX and XXXX take immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-09-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BMO just took over my old Bank of the West checking & savings accts. I have had for 6 years. Of course, we, as long time customers, had no choice in where our accts. were transferred to.

1 ) I am unable to sign up to online banking through the website. I was on hold with BMO for an hour and when I was finally put through to a CSR he was of absolutely no help.

2 ) Today I went back to the phone online app. that I was able to download ( as that was the only other option I had to access my accounts ). I had major problems changing my password and then logging back in. After 1 hour I straightened that out only for my accounts to be " hidden '' on the app. I followed the directions to change preferences to show my accts and it just keeps directing me back to preferences so I still can not see my accounts. Again, I call CSR and again I am given no solution. These BMO csr 's have no idea what they are doing, I can not even understand what they are saying as of course they are foreign so the huge rich banks can save money and sacrifice any sort of professional assistance for their long time customers. I requested a supervisor and the CSR would not put me through. I went online trying to find a corporate contact number, email, anything and there is no support option except for the number I have repeatedly called for assistance, with no help.

I need help getting access to my accounts!

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 2023-09-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had fraud on the account filed a a police report and fingerhut refused to investigate they just charged it off and sold the debt to LVNV Funding LLC. Now there trying to collect on debt thats not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Under the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C 1681, Congressional finding, and statement of purpose Transunion as a violated my right to privacy reporting the closure of my closed XXXX XXXXXXXX account. 15 USC 6801 ( a ) ( b ), It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The use of this report as result in substantial harm and inconvenience to me. Transunion a nonaffiliated third party does not have the legal standing to report such information and affecting my credit worthiness. 15 USC 6802 ( b ) ( 1 ) ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ( Transunion ) ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I submitted a letter to the XXXX Credit Bureaus last XXXX XXXX XXXX  requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XXXX XXXX XXXX and I'm including it again. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00}, must be updated to reflect accurate information on my Credit File.

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 2022-10-13
Company: Self Financial Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a notification from XXXX XXXX on XX/XX/22 stating I had a bank credit card for {$530.00} from XXXX XXXX XXXX. ( XXXX XXXX ). I have no idea what this was, I have never dealt with this Bank, and I did not open a credit card. Someone has opened a card in my name. I have no idea what the credit card number is, when trying to contact customer service of the bank they could not give me any information XXXX Maiden name XXXX XXXX married XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX 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 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 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 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 2017-11-14
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:
To Whom it May Concern : I am writing to make it be known that both XXXX and Transunion have both continued to engage in unlawful reporting of inaccurate information on my credit report. I have sent both bureaus detailed letters this past XXXX and XXXX, advising them of stipulations under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) for continuing to willfully and negligently fail to comply with obligations to furnish me with copies of original creditor 's documentation that are grossly reported inaccurately on their respective reports -- affecting my rights as a consumer to have fair access to credit. 

I have demanded on two reasonably spaced occasions that such documentation be provided to justify their default findings that accounts have been " verified '', but have not been met with any due diligence to ensure that the items being reported are indeed, factually tied to me and that I was the individual who initiated that opening of such accounts.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. 


I am beyond frustrated and exhausted on all fronts in what truly feels as an endless, futile pursuit of justice for what the FCRA protects me from.

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 2023-12-12
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
that you are attempting to collect in accordance with 15 USC 1692b. I am referring to account XXXX XXXX XXXX. With a past due balance of {$650.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter.

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question.

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

Sincerely, 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 2023-12-22
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
why am I recieving notices from XXXX XXXX XXXX XXXX, CA which is connected to shellpoint new rez? 

the mortgage arrears were fully paid off months ago. 

i also contacted new rez /shellpoint about paying off the entire mortgage balance. no reply! 

want clarification from shellpoint on why pre foreclosure company is sending mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have written TransUnion and asked that they provide me with proof of how the following accounts were verified. I requested proof of the original contracts that I signed with each agency and the statement that I agreed to about how these companies and I would handle late payments and if the accounts were closed what we would do. As of today, I have never received proof of how these alleged accounts were verified accurate and as I never received the original contracts that I signed with these companies. Therefore, I am requesting that these accounts be removed from my credit report as soon as possible. The accounts in question are : 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 2023-02-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I just dont understand how when I deposit money into my accounts, then it will slowly and surely disappear, and when I call Wells Fargo Bank Customer Service XXXX XXXX, inquiring about it, they really have no explanations of what happened to my money, where at times it does put me into overdrafts with occurring fees.

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