BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am writing to file a complaint against TrueAccord, a debt collector, for violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Electronic Communications Privacy Act ( ECPA ). I was initially concerned because, on XXXX XXXX, 2023 at XXXX AM PST. I received an unsolicited email from TrueAccord regarding a debt that I allegedly owe to XXXX XXXX. Upon further review of the contents of the email, I realized that TrueAccord also violated several provisions of the FDCPA. 

Specifically, the email contained the following violations : Unlawful contact by email : The Electronic Communications Privacy Act ( ECPA ) prohibits debt collectors from contacting consumers by email without their prior express consent. I did not provide TrueAccord with my consent to contact me in this manner. 
Threatening to assume the debt is correct if the consumer does not dispute it : The statement " If you do not, we will assume that our information is correct '' could be seen as a threat to assume the validity of the debt without giving the consumer an opportunity to dispute it. This is a violation of my rights under the FDCPA.

Failure to provide validation notice : The FDCPA requires that debt collectors provide consumers with written notice of their rights to dispute a debt within 5 days of the first communication. The email did not contain this information, and I was not informed of my right to dispute the debt in writing.

Threatening to take action that is not legally allowed : The statement " We will use any information you give us to help collect the debt '' could be seen as a threat to take action that is not legally allowed, such as contacting the consumer 's employer or family members. 
Using unclear language : The statement " Call or write to us by XX/XX/2023, to dispute all or part of this debt '' is unclear and could be misinterpreted by the consumer. 

Use of obscene, profane, or other abusive language : The email contained language that was abusive, threatening, or otherwise harassing in nature, which is a violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: BMW Financial Services NA, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed that this debt continues to report. This debt is well over the statute of limitations Michigan and are past the credit reporting limit. This is a violation under the FCRA and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: NV
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  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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Got an alert that someone checked my credit report and it wasnt me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Netspend Corporation
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
My account was closed on XX/XX/2023. Due to 3 opened disputes I was told that they would send the money to me in the form of a check if any money was returned back to me. The total amount ended up being {$390.00}. I was told to expect a check in the mail from 7 to 10 business days. Then on Sunday XX/XX/2023 I received it. I then promptly submitted it for mobile deposit to my current bank. Because the next day XX/XX/XXXX was a bank holiday I had to wait for approval of the submission of the check until the XXXX. However on the XXXX it was rejected due to inability to verify the check. I was advised to call my bank to verify its authenticity and I was told by an agent that they could not and would not do that. I asked for any kind of verification but I was still refused.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent in letters to the credit bureaus informing them that they have been reporting inaccurate and unverifiable information to my consumer report. I've waited over 30 days and have yet to receive a response from them. They're not only in violation of the FCRA but they're violating my rights as a consumer by reporting these items. I feel like I am being taken advantage of and my problems aren't being addressed. If these accounts aren't removed immediately I will be forced to file for litigation. Please help me with this. Thanks in advance.

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 2021-06-21
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received XXXX XXXX amounting to {$12000.00} for my XXXX benefits from the XXXX on XX/XX/XXXX that were deposited into my PayPal Cash Plus account. Immediately, PayPal restricted my account stating that they needed more information. Out of everything, I was not able to provide a state I.D due to issues I ran into from the XXXX, however I did send multiple proofs of my identity and letters that I received from the XXXX. A representative from PayPal told me that everything would be fine and they'd permanently close my account and hold my funds for 180 days, after which I would receive an email with instructions to withdraw. 180 days passed on XX/XX/XXXX and I did not receive an email from them with instructions to withdraw. I called multiple times and multiple representatives gave me different reasonings, but all said that my funds are being withheld for another 180 days. They didn't state why my funds were being held again, and those representatives told me that they'd call back with a solution but I never heard back. 180 days passed again today ( XX/XX/XXXX ) and I never received an email with instructions to withdraw once again. So I called and was told that my account was flagged and that I could not withdraw my funds until further notice. When I asked for the reasoning as to why they weren't releasing my benefits I received from the XXXX, I was told that I would have to subpoena them in order to find out why. I've read every word of their TOS and nowhere does it state that they're allowed to hold my funds for this long, let alone permanently. Especially since I didn't do anything that would condone any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: AZ
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 explanation
Consumer complaint received 2023-08-09
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAD BEEN APPROVED FOR THE XXXX XXXXXXXX PROGRAM TWICE. NOW BUT YET TO GET ANY ASSISTANCE, I HAD BEEN IN TALKS WITH XXXX XXXX. WHO I CONTACTED LOSS MITIGATION AT TRUIST TO LEAVE .XXXX XXXXXXXX A MESSAGE TO CALL ME BACK AND SHE DID IF NOT THE SAME DAY BUT SURELY THE NEXT. SHE INFORMED ME THAT SHE HAD SPOKEN TO THE OTHER MANAGER AND THEY AGREED TO ACCEPT ,48 MONTHS OF PAYMENTS AND THE REMAINDER WOULD GO ONTO ANOTHER MODIFICATION, WHILE TELLING ME AND I QUOTE '' XXXX XXXX YOUR SITUATION IS GOING TO CHANGE TREMEMDOUSLY ' END QUOTE SHE TOLD ME TO CONTACT HER AS SOON AS I HEAR FROM THE PROGRAM I EVEN CALLED TRUIST AND GIVING XXXX XXXX MY NEW NUMBER WITHIN THE NEXT THREE WEEKS I HEARD I HAD BEEN APPROVED I IMMEDIATELY STARTED LEAVING HER MESSSAGES AND CLIENT SERVICES SENT HER AN EMAIL FOR HER TO CALL ME AND I NEVER HEARD BACK FROM HER AT ALL UNTIL AFTER THE PROGRAM HAD SINCE CLOSED AND I HAD WROTE A LETTER TO THE CHAIRMAN AND CEO OF TRUIST. HER NEGLIGENCE AND UNSCRUPULOUS ACTIONS COST ME 48 ; MONTHS OF MUCH NEEDED ASSISTANCE

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 2022-11-30
Company: Experian Information Solutions Inc.
State: NJ
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 noticed there are lots of accounts on my credit report that does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They reported a late payment of {$41.00} dollars that impacted my XXXX credit and I always my bills in time and has impacted my score tremendously as of XXXX XXXX  by Verizon syncs/Verizon creditor . Tried to dispute but no answer In according to the fair credit reporting act convergent account, has violated my civil 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 an account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions 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:
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. 

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 XXXXXXXX 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 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 2023-11-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX XXXX have some Fruad inquiries on my credit report I have listed the inquiries and supporting documents below. 



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 2023-02-09
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: Was not notified of investigation status or results

Complaint:
There are multiple accounts on my credit reports that I have been disputing for sometime now, at least for almost a year. I have reached out to all consumer reporting agencies requesting verification of debt, how did they verify the debts well as why are my accounts being re-aged. Out of all of the disputes Ive sent, I have only received a response back from one bureau and it was only in the months of XXXX and XXXX and I have been disputing these accounts since XXXX of 2022. 

XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from XXXX. XXXXXXXX XXXX  Transunion failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from XXXX. XXXXXXXX XXXX Transunion failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 It is my right as a consumer to dispute inaccurate information from my credit reports and at my request, any consume reporting agency must respond and acknowledge my dispute request as well as complete a proper investigation. All three bureaus, XXXX, Transunion XXXX XXXXXXXX is in violation of the credit laws by ignoring my disputes and I am demanding that these inaccurate accounts are deleted from my reports due t their negligence on following proper consumer 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 2021-06-21
Company: Smith, Cohen & Rosenberg LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULED MY CHILDREN OUT OF SCHOOL IN XXXX DUE TO AN OUTBREAK OF COVID AN INFIRMEDTHE STAF THAT YOU DID NOT FEEL SAFE WITH THEM ATTENDING IN PERSON CLASSES, NO VIRTUAL CLASS WAS OFFERED. THE SCHOOL IS SAYING I OWE FOR XXXX WHEN MY CHIKDREN STOPPED ATTENDING IN XXXX PER TWO WEEK NOTICE THAT I GAVE THEM. I ALSO PAID FOR XXXX THOUGH THEY DID NOT ATTEND.I HAVE BEEN UNABLE TO WORK AS I HOMESCHOOLED MY CHILDREN, AS SENDING THEM TO SCHOOL WITH A KNOWN COVID OUTBREAK PLACES MY FAMIKY AND I AT RISK AS WE HAVE PREEXISTING CONDITIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
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:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX and XXXXXXXX XXXX XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past  due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-01-05
Company: Experian Information Solutions 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are multiple accounts on my credit reports that I have been disputing for sometime now, at least for almost a year. I have reached out to all consumer reporting agencies requesting verification of debt, how did they verify the debts well as why are my accounts being re-aged. Out of all of the disputes Ive sent, I have only received a response back from one bureau and it was only in the months of XXXX and XXXX and I have been disputing these accounts since XXXX of 2022. 

XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from Equifax. XXXXXXXX XXXX XXXXXXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from Equifax. XXXX XXXX XXXXXXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 It is my right as a consumer to dispute inaccurate information from my credit reports and at my request, any consume reporting agency must respond and acknowledge my dispute request as well as complete a proper investigation. All three bureaus, Equifax, XXXX and XXXX is in violation of the credit laws by ignoring my disputes and I am demanding that these inaccurate accounts are deleted from my reports due t their negligence on following proper consumer regulations.

Company response to consumer: Closed with explanation