BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX CREDIT BUREAU DISPUTE RESOLUTI XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 
XXXX 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 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 2021-03-09
Company: EQUIFAX, 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:
On XX/XX/2020 I sent out documents to Equifax, XXXX, and XXXX. 
XXXX  and XXXX reached back out to me but Equifax has yet to respond and send in documents that I requesting referring the debt they have on my credit report and what steps were taken to prove it was me Accounts that raised concern were, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX If these accounts can not be referred baring proof it was me with signatures and how they went about referring the debt I request that these accounts be deleted from my credit report. Its been over 30 days with no response our updates to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Millco Management
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found out that there was debt {$470.00} on my credit report so I contacted the company AmeriFinancial Solutions LLC list on XX/XX/XXXX. I verified my personal info and was told the debt from XX/XX/XXXX was for a hospital. I explained that I was unware of this bill and to sent me proof. I was told that a letter would be sent to me and I could send it to my insurance. A month later I XXXX XXXX, XXXX I reached back out because I had not received any documentation from them about the debt. I was told by the company that they would not be sending any documentation until I made a good faith payment. I stated that I didn't believe the debt was mine and needed proof. I contacted the credit bureaus to debt this debt, however they keep claiming the debt is mine would out sending proof besides only verifying my D.O.B. and SSN I have not received any written communication from AmeriFinancial Solutions LLC at  all. I believe this to be fraud. This is a deceive practice to not verify and show proof but request payment. As a result my credit has been impacted. I have tried contacting the Hospital in XX/XX/XXXX directly however I am being told that the record is not longer accessible and that I must contact the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 my PPP Loan was deposited in my chase account so I went to handling my business stuff and boom my account is locked because suspicious activity I called and verified my identity a million times and even got hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: SC
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I opened a Bank of America checking account at Bank XXXX XXXX. I never was told that this was insuted for {$250000.00}. I also was never told that I am entitled by CFR 1000,2 Definition of Account is defined as an extension of credit, This was never awarded to me. I was denied credit. Even though the definition of account is an extension of credit, and I was denied to have any line of credit, and open end credit to me this Is illegal Consumer Financial Protection Bureau 1002.7 Rules Concerning Extension of credit is stating that " A creditor shall not refuse to grant an individual account to a credit worthy applicant on the basis of sex, marital status or any other prohibited basis. '' Business Credit refers to an extension of credit primarily for business or commercial including agricultural purposes but excluding extensions of credits of the types described in 1002.3 sub divisions a, and d. " credit extended to a natural person primarily for personall, family, or household purposes. " CREDIT means a right granted to an applicant to defer payment, ton incur debt and defer payment or purchasing property services and DEFER payment therefor. 

With this being said I would like to have this taken care of. i want to join the commercial side and have my business create my own revenue, however i need this extension of credit that i am granted by right by the creditor to do this. Once an agreement is reached i know we will have a great consumer and creditor relationship.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: PA
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 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 explanation
Consumer complaint received 2023-11-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit 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:
My name is XXXX XXXX, and this is my rebuttal I sent to Priceline/Barclay for a XXXX XXXX I never received. XX/XX/2023, My XXXX ( XXXX XXXX ) and I arrived at XXXX XXXX XXXX around XXXX XXXX. I received a email to pick up my XXXX XXXX  from XXXX, which I paid in full to Priceline/Barkley for XXXX XXXX XXXX XXXX Once I got to XXXX agent, they advised me that I had no reservations. I fought with them back-and-forth because I had a email but to no avail. They instructed me to call Priceline my credit card company, after over an hour on the phone with Priceline, They advise me they sent a email to XXXX. And that my rental arrangements had been changed to XXXX XXXX XXXX. I advise Priceline that that is not my correct email address. My correct email address is XXXX. I headed to XXXX XXXX XXXX XXXX at the airport to see if I could retrieve my XXXX XXXX Upon arriving at XXXX XXXX XXXX no agent was there which led me to believe they were out of cars. After spending XXXX hours at the airport, my husband decided to go back to XXXX XXXX XXXX and purchase a car on his credit card so we could begin our vacation. I called Priceline back and told them what happened about me not being able to retrieve a car that I paid for in full, I immediately requested a refund because they sent the email to the wrong address. After fighting with Priceline for XXXX weeks on the phone every day they finally sent me a check for XXXX  XXXX days later they bill me in the amount of XXXX  to my credit card bill. First of all they already have the XXXX that they never sent back, then how can you bill me for a product I never received. I paid my bill because my credit is excellent. Priceline/Barclays sent that email to the wrong address now I have been fighting for XXXX  days trying to retrieve my money back. XXXX XXXX XXXX has no record of myself signing or retrieving a car the day in question. I advise Priceline/Barclay that Ive never received the car. I sent a receipt from XXXX that same day, proving that I had to rent a car from another company. Price line/Barkley told me it was nothing they could do to help me to get my money back. Why do I have to pay for a XXXX XXXX I never received for XXXX This is fraudulent activity. I would like for this credit card company to return my money for a product I never received. Thank you

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 2019-05-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is the 2nd time that I've filed a complaint against Experian and STILL I am not able to remove this fraud alert. I've submitted a written request with required documentation TWICE, first in XXXX and again 3 weeks ago and they STILL haven't remove this fraud alert. I submitted the required ID, ( DL & PP, even tho only one was required ). I also submitted 2 current pieces of mail. I sent the letter registered mail and received confirmation that they received it the very next day but they STILL haven't removed the fraud alert. Further, the website states that the fraud alert is a 7 year alert. Yet I've been getting denied credit since at least XXXX when I couldn't get an apartment in VA because they couldn't get the Experian credit report. That was EIGHT years ago. I've only ever had one instance of fraud and that was cleared up with the vendor itself, NOT Experian. Further, everytime someone requests my report and Experian wont ' release it, my credit score STILL drops on average 40 points and the vendor NEVER tries to contact me to verify identity even though they claim they do but the phone number and the email address is on the application and they never contact me. I called the XXXX phone number and that number is like circular XXXX. It only allows you to put a credit freeze on your report but does not give you any guidance on removing a fraud alert even though it alludes to fraud alerts. They wording changes from fraud to freeze but don't allow you to remove a alert, only place one. I'm exhausted in trying to deal with Experian. I've done what is required of me TWICE ( in XXXX and again 3 weeks ago ) and they still won't release/remove this freeze and it's killing my credit score which is probably why they refuse to remove it. I've attached a copy of the letter that I sent to them and it included my DL, passport, and 2 current bills WITH current address as well as extra information that they didn't ask for just  so there wouldn't be any issued in proving my identify and STILL NOTHING!!

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2021-04-30
Company: Nationwide Recovery Systems, Ltd
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company fraudulently put a medical Debt on my credit report that is not owed. The physician they have I havent even been to. I disputed it with XXXX  and asked for written validation of debt and none was provided and it is still on my credit report. I also have sent this company a certified letter to dispute debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: BSI Financial 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: Account status incorrect

Complaint:
I use to have a mortgage with this company, but they were completely paid off in XXXX. They keep reporting to my XXXX, XXXX, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining XXXX XXXX and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of XXXX. Also, they are reporting each month to my credit report as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason. I submitted my documents but they didn't released my funds. I've waited 24hrs like they said but nothing happens. They first limited my account temporarily and then now limited it permanently. Please help me get my funds on my Paypal wallet. This happened last XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Few months ago, I got hacked on Coinbase. I immediately saw that someone got into my account, changed my password. I tried getting in but they had already taken XXXX. I notified Coinbase and they offered to fix my problem and stop any transaction that was taken from me, they did tell me to go to the bank to get my account overlooked again. There was no issue with the bank and Coinbase informed that my account would be locked permanently due to the scam. 

*fast forward to XXXX XXXX I recently wanted to look at my Coinbase account and went through many verification in order to see it but when I opened my account it said I owed them {$16000.00}. I have been trying to get in touch many time with Coinbase but no one has been able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

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 U.S.C 1681. ACCOUNT Name : XXXX 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. 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