BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am a client of XXXX XXXX XXXX since XX/XX/2020 to fix, dispute and correct inaccuracies on my credit report file monthly with the 3 major bureaus. 3 years later, ALL 3 credit bureaus still have incorrect information concerning my personal information as well as my place of employment. This must be addressed. XXXX XXXX XXXX has all of the information and paperwork regarding my history and relationship with them.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I checked my consumer credit report and I saw fraudulent and inaccurate inquiries. 

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 
By definition Transunion has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in the attached letter, all inquiries mentioned in attached letter must be removed

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 2022-12-01
Company: EQUIFAX, INC.
State: NY
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:
XXXX, I did not request a dispute with you through Equifax. Equifax fraudulently requested on my behalf without my permission and I am planning to pursue legal action. Please provide in writing who requested this dispute. My statement balance is {$0.00}. Why are you randomly updating my consumer report? You have no permissible purpose to report or share in the first place. Consumer reporting is voluntary and you do not have my permission pursuant to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or before XXXX I disputed accounts and nothing changed. 
XXXX disputes came back late passed the 30 day mark and verified. I then requested to know how they verified and with who. I never got anything from the credit bureaus. Account s disputed are XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  motor

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 2020-01-01
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I opened a paypal account. Made the following transactions : XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 Express Checkout Payment : XXXX XXXX XXXX New Jersey ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 Mass Pay Payment : XXXX XXXX  XXXX  New Jersey ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX I had recieved a withdraw of XXXX on XX/XX/2019 From XXXX XXXX  XXXX. Of those winnings I sent payments of funds to 3 people who where part of winning funds. There is no issue and no outstanding compliant with XXXX XXXX XXXX with funds they sent to my account. After sending the funds to those accounts listed above i had a balance of {$350.00} within paypal. Paypal is refusing me access to those funds for 180 days. I've been given no reason for this placement on my account and with no options to reaceive there reasons why. I spent over 6 hours on the phone with various support departments only leading to no answers to any of my questions. When I opened my paypal account I followed the guidelines, and the account is fully confirmed with banking info attached as per paypal guidelines. Im hoping to receive help in receiving funds on hold within my account immediatley. I don't want my account reopened or be used again in anyway ever with paypal again. I'm just seeking help in receiving remaining balance within a timeframe that's reasonible unlike they're 6 month scope.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX 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

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 2023-11-20
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor Name : Att U verse inquiry XX/XX/XXXX debt {$330.00} Reason : this inquiry was made without my knowledge or consent

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 2016-05-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, On XXXX/XXXX/2015, I opened a new checking account with Citizen 's Bank in response to a promotional offer I received in the mail. The coupon mailer was titled " NEW TO THE NEIGHBORHOOD? '' and offered a {$200.00} credit within 145 days of opening the account ( as long as few basic requirements were met ). 

Several months went by and I still had n't received the credit. Multiple calls to customer service agents, supervisors, and the branch manager confirmed that all conditions of the promotional offer were satisfied - yet for some reason the credit was n't being applied. 

Since then I 've spent countless hours trying to resolve this issue with Citizen 's Bank - on the phone, faxing documents, and driving to various branch locations. 

At this point, Citizen 's Bank has claimed that the mailer must not have been addressed to me because they " ca n't find any record of sending it me. '' Thankfully I still have the original coupon. However, they punched out the smaller card in the middle and added it to my file when I first opened the account. Of course, now they ca n't find any record of it! It 's on this basis they 've concluded they do not need to fulfill the offer. 

In the meantime, I continue to be charged a {$9.00} per month inactivity fee - despite being assured that the fee would n't be charged while the account was in dispute. 

Apparently, I 'm not alone here either. A brief search online has revealed many other victims of this scam. Citizen 's Bank is clearly engaging in practices that are blatantly fraudulent and predatory. 

I 've hit the end of the road. Citizen 's Bank is simply refusing to honor their obligation. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One Auto, Account # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Submitted a payment on time by the XX/XX/XXXXof the month via the Macys app as agreed for the Pay Down Plan due to financial hardship. My bank took out an unexpected monthly fee so the payment was returned. When I called in to resubmit the payment, I was told that the account was no longer with Citi Bank and I could not make a payment because it was transferred to a collection agency. Then I received a letter in the mail to resubmit the payment. When I called in again to resubmit the payment, I was told the same information. I finally called in again and was told that the account was still with Citi Bank and the representatives that I spoke with before provided incorrect information. They could see where the letter was sent to me. I asked since I was provided incorrect information during my attempts to resubmit the payment, if I could be placed back on the plan and make payments accordingly. The representatives and supervisors are now ignoring that information and said I can make payments but it will eventually go to a collection agency. I was told that they cant provide confirmation of my payments and they will not change the status on my credit report from sent to another collection agency even though it is still at their office and they are refusing my payments.

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 2023-12-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Original 6 month deferred interest payments on CARECREDIT/SYNCHRONY BANK account XX/XX/ for XXXX work for {$11000.00}. I set up 'auto-pay ' plan for monthly payments of {$1000.00} starting XX/XX/. All statements were sent on line. This was connected with my SAMSCLUB/SYNCHRONY BANK statements on line. I made 6 'Auto-Payment ' of {$1000.00}. through my XXXXXXXX XXXX  Account. When my Sam 's Club Card was 'reported as scammed ' in XXXX, my on line statements were 'frozen ' ... I was unable to access information on ALL of the SYNCHRONY Bank accounts. This resulted in my being charged " Interest '' of {$1300.00} on XXXX when I didn't have access to my accounts on line... where all reporting was done. I didn't receive any notice of this at that time! Then, on XXXX  I was charged another {$140.00} interest, before I was able to pay the Balance In Full. When I called Customer Service, they said I should have know the 'Contract ' language and there was no recourse to waive interest charges. I feel this was unfair and left me no other choice but to contact Consumer Financial Protection Bureau for help! As a XXXX  ( XXXX yrs. old ), on limited income, this is a extremely hardship to have interest continued to be added on an account I wanted to pay off as I was expecting to do. Thank You for your assistance in this matter.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 non-monetary relief
Consumer complaint received 2015-08-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I never had a XXXX phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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
Consumer complaint received 2023-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried numerous times to get them to prove the debt which they have not. I won't to see the signed copy of debt from original creditor. I want to see copies of the paperwork where you legally bought the said debt and it was transferred to you by law I am entitled to those things and have not received them. I have tried repeadly to get them to provide it and they havnt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: Millco Management
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently noticed an account listed on my credit report by a company XXXX XXXX for the amount of {$680.00} for service in 2015. There are several issues with this account, the first being that I was unaware of the account, and secondly the amount of the account did not make any sense as the bill clearly did not take into account health insurance. At the time that the service was to have taken place in 2015 ( I am unsure of the exact date as I have no correspondence with the company ), I was covered under the military XXXX XXXX plan as a dependent ( military spouse ). This is why this is completely confusing regarding the amount sought. Also, the account was not on my credit report prior, it was only listed recently and no correspondence was sent to me. This company is attempting to make me pay a medical bill in full as if I did not have medical coverage, but I did in fact have medical coverage. I have tried to contact the company with the number listed on my credit report, but every day the company is closed and only have a voicemail for customers to leave messages on. There is no company hours listed on their website, which conveniently only has the option to make payments. This company has two numbers listed on XXXX, but neither one works. I am confused and frustrated and trying to resolve an issue but I can not seem to get in contact with the party in question to do so. I am not trying to get out of paying the debt if it was for my service, I am simply asking for it to be the correct amount that it should and not my being charged as someone without insurance as I am not. This company has history of incorrectly billing people who have insurance and I do not want to be added to the long list of unhappy consumers. Check XXXX for proof of that.

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 2023-07-27
Company: EQUIFAX, INC.
State: NJ
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am having issues with inaccurate information showing on my credit report my name should be listed as XXXX XXXX XXXX. Please remove any other variations of my name. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX please delete the following addresses they are not mine!!! 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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