BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In response to my letter requesting Transunion to tell me of the source/furnisher of XXXX bankruptcies appearing on my credit report, Transunion instead chose to respond stating it was verified, please see the attached results. My inquiry letter NEVER DISPUTED the ownership or accuracy of the information. Transunion has violated : The Fair Credit Reporting Act 609 ( a ) ( 2 ) states ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

In addition, under 15 U.S. Code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER gave written consented to having any such items displayed on my credit report.

In 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. A credit reporting agency that can not tell the source within the 15 day time limit is not in compliance of this law.

And lastly under 15 U.S. Code 1681 section 2 ( a ) I have the right to privacy.

At this time Im requesting the permanent deletion of both bankruptcies and $ XXXX fine for every violation.

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 2019-06-25
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bought tickets from a man who created a fake profile on XXXX, and was unable to cancel or get my transaction refunded by PayPal when I discovered the man was a fraud. Since he was a fraud, I did not receive the merchandise that I paid for. I contacted PayPal but they were unable to refund the purchase, even though I didn't receive anything. Not sure if there is anything that can be done, but the man who is practicing fraud is XXXX XXXX and his email is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: NY
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2020-06-11
Company: EQUIFAX, INC.
State: UT
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:
Equifax ; XXXX  and XXXX are incorrectly reporting me as an authorized user on the XXXX XXXX partial account number XXXX. I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and 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 1681 Section 604 A Section 2 : It also states
a consumer reporting agency can not furnish a 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 2022-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency is reporting false information. Portfolio recovery associates. I have disputed multiple times. I hereby request that they report correct information including date of original delinquency with original creditor, provide documentation confirming amount reported. This agency is using inaccurate and unfair reporting methods and have very questionable tactics in general. I will be contacting an attorney very soon if they can not provide me documentation confirming information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions 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:
The account listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX. ( Please see page attached from my credit report showing the multiple accounts along with a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2018-10-05
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have requested that CONSUMER PORTFOLIO SERVICE XXXX XXXX XXXX XXXX, CA XXXX XXXX stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you  are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
NetSpend has a policy of charging fees for every transaction including other companies errors. I had submitted a XXXX dollar payment to XXXX XXXX and was apparently charged twice and although it was said to be reversed, I was still assessed a fee. The customer service representative was off shore and tried to dispute me even before having the transaction on his screen.

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 2023-03-16
Company: Upstart Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUPSTART NETWORK, INC XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: CA
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 AM FURIOUS WITH THE EQUIFAX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX! I HAVE BEEN TRYING TO RESOLVE MY ID THEFTI SSUE FOR THE PAST FEW MONTHS AND THEY ARE REFUSING TO HELP ME. I HAVE TRIED REACHING SEVERAL DIFFERENT DEPARTMENTS DIFFERENT SUPERVISORS AND MANAGERS, NO ONE KNOWS WHAT THEY ARE DOING, NO ONE IS HELPING OR GIVING ME ANY RESOLUTION. THEY REFUSE TO GIVE ME VIABLE EVIDENCE PURSUANT TO SECTION XXXX XXXX IN THE FAIR CREDIT REPORT ACT. I AM TIRED OF GOING BACK AND FORTH AND NOT GETTING ANY RESOLUTION. TELLING ME ADDRESS NAME SOCIAL AND BIRTHDAY MATCHES IS NOT VIABLE EVIDENCE, OBVIOUSLY IT MATCHES THATS WHY I AM A VICTIM OF IDENTITY THEFT. THEY HAVE NO SIGNATURES FROM ME GIVING APPROVAL OF THE OPENING OF THESE ACCOUNTS. I NEED YOUR HELP CFPB IN HELPING ME RESOLVE THIS ISSUE, I AM SICK AND TIRED OF DEALING WITH THESE COMPANIES WHO ARE ROBBING ME FROM MY PEACE. ITS BEEN TOOOO MANY MONTHS ALREADY. OH AND I WILL ALSO ADD THAT EQUIFAX REFUSES TO BLOCK ANY INFORMATION THAT IS REPORTED AS FRAUD PER WHAT THEIR SUPERVISOR SAID, SHE SAID THAT WE DO NOT FOLLOW FEDERAL LAW, WE HAVE OUR OWN RULES AND PROCEDURES, WE WILL INVESTIGATE FOR 30 DAYS. THEY DO NOT COMPLY TO THE RULES OF SECTION XXXX IN THE FCRA. AND SHE CLEARLY STATED EQUIFAX DOES NOT COMPLY WITH FEDERAL LAW, THEY FOLLOW THEIR OWN RULES AND REGULATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: DC
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:
Had a balance at XXXX but the mail was sent to an old address. Once I received that XXXX mail at my new address I paid it off directly to XXXX. XXXX never called or emailed me when they couldn't get in contact with me via mail. I don't know if XXXX mailed my old address, but they never called me. The total was {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted XXXX, XXXX, & Transunion in writing and provided documentation that my mortgage with XXXX XXXX  was not late in early 2023. XXXX XXXX  had misapplied several payments as " principal only '' which lead to a delinquent status showing in XXXX or XX/XX/2023. This has since been corrected on their end, and the documentation has been provided to XXXX, XXXX, & Transunion. 

XXXX, XXXX, & Transunion is responding with form letters stating the account history has been updated but has failed to actually update the acct history. This is causing my family financial harm. 

We have had an unrelated account closed due to this inaccurate information which remains on my credit report and are continuing to suffer financial harm due to the impact this has on our credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 AM FURIOUS WITH THE XXXX XXXX XXXXXXXX XXXX AND Bank of America! I HAVE BEEN TRYING TO RESOLVE MY ID THEFTI SSUE FOR THE PAST FEW MONTHS AND THEY ARE REFUSING TO HELP ME. I HAVE TRIED REACHING SEVERAL DIFFERENT DEPARTMENTS DIFFERENT SUPERVISORS AND MANAGERS, NO ONE KNOWS WHAT THEY ARE DOING, NO ONE IS HELPING OR GIVING ME ANY RESOLUTION. THEY REFUSE TO GIVE ME VIABLE EVIDENCE PURSUANT TO SECTION XXXX XXXX IN THE FAIR CREDIT REPORT ACT. I AM TIRED OF GOING BACK AND FORTH AND NOT GETTING ANY RESOLUTION. TELLING ME ADDRESS NAME SOCIAL AND BIRTHDAY MATCHES IS NOT VIABLE EVIDENCE, OBVIOUSLY IT MATCHES THATS WHY I AM A VICTIM OF IDENTITY THEFT. THEY HAVE NO SIGNATURES FROM ME GIVING APPROVAL OF THE OPENING OF THESE ACCOUNTS. I NEED YOUR HELP CFPB IN HELPING ME RESOLVE THIS ISSUE, I AM SICK AND TIRED OF DEALING WITH THESE COMPANIES WHO ARE ROBBING ME FROM MY PEACE. ITS BEEN TOOOO MANY MONTHS ALREADY. OH AND I WILL ALSO ADD THAT XXXX   REFUSES TO BLOCK ANY INFORMATION THAT IS REPORTED AS FRAUD PER WHAT THEIR SUPERVISOR SAID, SHE SAID THAT WE DO NOT FOLLOW FEDERAL LAW, WE HAVE OUR OWN RULES AND PROCEDURES, WE WILL INVESTIGATE FOR 30 DAYS. THEY DO NOT COMPLY TO THE RULES OF SECTION XXXX IN THE FCRA. AND SHE CLEARLY STATED XXXX  DOES NOT COMPLY WITH FEDERAL LAW, THEY FOLLOW THEIR OWN RULES AND REGULATIONS.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I was informed by your company ( Transunion ) that ( account XXXX ) ( XXXX XXXX XXXX ) was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, This is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately Delete this Account from my credit report in order to avoid legal action I will also fax this to the CFPB. 
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 2023-05-31
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Even after being informed, they were sending information to the wrong address. They sent more information to the wrong address and now I have

Company response to consumer: Closed with explanation