BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score is at the XXXX in the Mr. requirements and for serve reason of getting denied because of very irrelevant things that pertain to having the XXXX XXXX credit card. My credit history shows I can afford it so I dont know what I keep getting to know can you fix this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
Company: Experian Information Solutions Inc.
State: PA
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:
After being affected financially/physically by XXXX, XXXX XXXX XXXX placed my account in a XXXX protected status in XX/XX/XXXX and reported to the credit bureaus as affected by natural disaster. Per the company, this was effective through XX/XX/XXXX. I have made payments during the protected status. My standard payment is {$450.00} a month and I have been paying {$560.00} the past three months. 
On XX/XX/XXXX, XXXX XXXX reported to all three credit bureaus as me being late from XX/XX/XXXX to current. This is completely false. They reported to Experian and XXXX  that I made no payments during XX/XX/XXXX through Present and to XXXX  that I made no payments XX/XX/XXXX through XX/XX/XXXX. Last month, my account read 100 % payment history and now this month Im showing 11 missed payments? Its not true. It has dropped my credit score over 100 points! 
When I called and spoke to a representative, I was told once XXXX XXXX ended we marked all customers late during those months. How is that allowed? Its unethical. The last representative I spoke with said maybe just pay the car off and then you dont have to worry about it. Who has XXXX during a pandemic? 
Please help me have them remove all late charges as I was a victim of XXXX not late and was in XXXX XXXX XXXX and the information reported is false.

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 2023-10-09
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After an audit of my finances I some fraudulent charges on my credit cards. I was told because the charge is over 60 days old I wouldn't be able to file a claim how is this legal unfortunately for I don't always check my statements and usually just make payments I am now fully reviewing my statements monthly so this will no happen again. 

XX/XX/15 XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I contacted bank of america to dispute a {$2200.00} transaction on XXXX XXXX, 2020. I reiterated that I was not aware the party I was transferring money to was a scammer, and thus asked BOA to get my money back. It took BOA months to " finished '' a sloppy investigation during which BOA never once reached out to me asking for additional information or proofs.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2021-03-05
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MIDWEST RECOVERY SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo. 
XXXX XXXX # XXXX, has been sending me letters about an old accoun that they're stating is past due. I have never did business with this company period. This old account was paid off by myself by a pay day loan company called XXXX XXXX XXXX  of XXXX Alabama, over 5 years ago and it was fully paid off. But at some point my name and account was SOLD to MIDWEST RECOVERY SYSTEMS LLC, and It should not have been sold at all because my loan was paid in full to the manager at that time, XXXX. I remember the person so well because she called corporate she said, and asked if they would accept a settlement pay off since I had paid on the original {$300.00} loan for over a year and one half. XXXX advised me that corporate approved a certain amount for me to pay, and I paid it that day. I never applied again for another loan from XXXX XXXX XXXX So, I do NOT OWE MIDWEST RECOVERY SYSTEMS ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I made a payment back in XXXX, overage I thought but it wasn't applied to my regular payment schedule as I thought it would be. 
Next in XXXX right before a payment was due, I lost a second job helping with my expenditures for the summer as I have been able to try and maintain since a separation of my husband and myself. ( XXXX ). 
One payment was placed to the rear of the plan and I was able to catch up. 
I have been reading a bit of the payment information online and how they can help in life 's emergencies. I found other employment in XXXX, but trying to get back on track has been/ is hard. 
What's unacceptable and extremely hard to take are the DAILY/NIGHTLY calls they make even if I've given my paydates and every attempt to keep them informed or pay something. 
I know the vehicles are GPS equipped ... but let me walk in my house first before you call. Let me have an evening to myself after XXXX. These type aggressive approaches aren't necessary and I don't respond to harassing aggression and overly negative tones the caller usually have. 
Next, my husband and I purchased the vehicle XXXX. I haven't had too many issues just some days floated past the agreed upon due date but paid non the less, just now with the employment break and finding a new one has put me behind a couple of payments and husband and I have separated again so no extra help. 
Just the practices and thought of them calling references ESPECIALLY after we've talked and I haven't left the area breathes impatient unwarranted harassment. References spoke to people ( family ) known. Nothing their responsible for. 
Please check into the XXXX, Texas, or XXXX XXXX, Texas locations, etc and see if we can reach a medium. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I just opened a Wells fargo complaint XXXX few days ago and the company just closed it stating that the promotion code was not added at the time of opening the account which is nothing but just utter non sense. At the time of opening the Business checking Account I made it sure that the Bank Employee enters the Promotion code and it was a XXXX guy, I also called the customer care and they agreed that the promotion code has been entered and it is just the matter of 60 days and then I will get my Bonus. This is non sense. What kind of bank it is?

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 monetary relief
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

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 inructions 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 2023-01-14
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 is missing that should be on the report

Complaint:
XX/XX/2023 - I reviewed my free annual Experian credit report information - none of my current or past account information is viewable or disputable via this company. Despite Experian 's acknowledgment that they do not have any information regarding my current or past account information, Experian has created and is sharing an erroneous credit score that is impacting my reputation and creditworthiness. There are no online options for me to dispute the missing information, by phone or fax. It is unacceptable that this company and others are willing to report unverified erroneous information that is impacting the lives of customers 24 hours a day/7 days week but they are not required to maintain viable dispute processes 24/7. Please note that other credit reporting companies XXXX and XXXX both have the information that Experian is missing- perhaps Experian should pay for and use their respective credit monitoring services to maintain the integrity of their consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
The letter sent to PayPal today describes what happened and is copied below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PayPal Inc . 
Attn : Billing Error Dispute Documentation Request XXXX XXXX XXXX XXXX XXXX XXXX  PayPal Case # XXXX Case Denial To Whom It May Concern : I am writing to challenge this denial of a recent order transaction in which Pay Pal took more from my credit card than the company charged me. The order totaled {$65.00} and PayPal paid the company {$81.00}.

The order from the company as well as information from the tracking company clearly states that the cup holders purchased were part of a XXXX Sale and included an additional 20 % off and free shipping if XXXX were purchased. I authorized payment for the {$65.00} as you can see on the order confirmation ( enclosed ). The PayPal confirmation paid out {$81.00} with no explanation of the discrepancy. I challenged this additional {$16.00} and asked to have it returned to my charge card and you denied this. 

I received a response from PayPal that the case was denied after contacting the company because the difference was due to additional fees, shipping charges, or currency conversion rates. 
The items price was listed in the ad in XXXX dollars, shipping was free, there was no mention of any additional fees, and New Hampshire has no sales tax so that should not have been charged. 

If you received a request for more than the amount listed on the order, you should have notified me before paying it out. I would not have ordered the items that included this additional charge. 

This is XXXX of the few times that I have ordered something from a XXXX ad and believed that if it was a scam, I would have been protected by paying through PayPal. I am very disappointed that this is not the case. You should have notified me that they were trying to take more money than I authorized. 

Please refund my credit card with the additional {$16.00} that I was charged. 


Sincerely, XXXX XXXX XXXX ( XXXX ) Cc : Consumer Financial Protection Bureau

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid have remained current or paid my balances off to my creditors. I paid XXXX XXXX off recently and left the account open. My scores increased with XXXX, XXXX and XXXX XXXX. My scores ranges from 679-700. With Experian I enrolled in boost and before they finally updated the credit score, my experian credit score was XXXX. When experian updated my credit score, it dropped 15 points to a XXXX! When I called to speak to an agent. I was transferred several times before I spoke to someone in the correct department. When I asked if there was anything current that was negative on my report, I was told no. The agent said the bankruptcy in XX/XX/XXXX, the late payment in XX/XX/XXXX, and the years of the oldest account is the reason why it dropped. That's an unacceptable excuse. My score has increased do to current payments, and a lot of hard work and consistency. I demanded my 15 points back and was denied. I don't understand why they would consistently increase my score and give me a boost, to bring it back down because I paid off a credit card that I left open. Since I paid XXXX XXXX in full my score for XXXX XXXX is a XXXX. Experian is the only creditor which lowered my score. was told to notify consumer finance and make a complaint.

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 2023-01-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Sunday XX/XX/2023 around XXXX A lady identified herself as attorney XXXX XXXX XXXX GA XXXX # XXXX working for XXXX XXXX XXXX XXXX XXXX went to my parent 's house, knocked on their door. My dad answered the door but he doesn't speak English so my 16yrs old son who was there at the time came to the door. The lady handed him a stack of court paper over 60pages and pointed out the information on the first page and explained to him that I owed XXXX XXXX about {$10000.00}. She told him that I need to call her within 30days to resolve. She also asked him to translate that to my Dad who wasn't at the door anymore but my son said it's ok and then she drove off. He was shocked and traumatized by the information so he called me. I have to rush over to the house to get the paper and calm him down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: NC
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 have a collection on my Experian credit report that I successfully disputed and had removed from both XXXX XXXX XXXX but Experian has refused to remove it via dispute they claim they contacted the collector and the information was accurate. I put in mu dispute notes for all 3 bureaus that the account in question XXXX XXXX XXXX XXXX XXXX XXXX is top old and meets the criteria of the statue of limitations law held in California where it originated from. Under this law it states how long different types of debt can stay on your credit report. This debt which started from XXXX XXXX XXXX is well over that stated time of 4 years. According to the information given on the credit report the collection was opened on XX/XX/2015.

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 2019-05-05
Company: COAST PROFESSIONAL INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, there was a collection account opened at collection company named COAST PROFESSIONAL with the amount of {$3000.00}. I was not sure what was this bill about as it stated that the original creditor was from my XXXX school that I graduated in XX/XX/XXXX. I had never received any email or bill from my graduating school that I owed them any kind of bill. To my best knowledge, I only had government loan and the rest I paid my tuition using my own savings. So when I received this letter in XX/XX/XXXX, I was not sure about the letter and thought it was not true. I also gave birth to my child around the same time and did not react to the letter in a timely manner. I reached out to my school in XX/XX/XXXX and school had informed me that they had made a mistake on billing and sent the amount owed to collection. I immediately paid my bill off of the amount {$3000.00} after knowing that the letter was sent to me correctly.

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