BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-17
Company: Experian Information Solutions 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: Problem getting your free annual credit report

Complaint:
All three of the credit reporting agencies claim there is some problem after I gave them all of my information and created accounts. Yet, they direct me to their websites to sign up for paid services. Their listed phone numbers to call for help don't actually allow you to speak with anybody, and you have to have a membership to receive support. 

I think this is deliberate. I should be able to request a copy of my credit report through XXXX and ONE of the agencies systems is working. 

The entire thing is down, and the credit agency systems I'm directed to are gamed to get people to sign up for paid monitoring. 

They further claim that they can't get any information on me, which is ridiculous, since I know have items on my credit.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 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 2023-01-03
Company: Bread Financial Holdings, Inc.
State: CT
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:
On XX/XX/XXXX I made an online payment from my XXXX Bank Account to Comenity Bank for {$4700.00}. This was well before the due date of XX/XX/XXXX. When I received the next statement on appoximately XX/XX/XXXX the payment had not been credited to my account. I called Comenity and told them that i had sent the check and they claimed that they did not receive it. I told them that I would stop payment on the check and reissue the check. I asked them to waive the late fee of {$28.00} and the interest of {$130.00}. They agreed to waive the late fee but refused to waive the interest. I filed a written complaint with Comenity on XXXX and they have not taken any action. When I received my next statement they charged a return check charge of {$28.00}. I stopped payment on the check when they said they had not received it on XX/XX/XXXX. I called today and asked them to remove the {$28.00} charge and after speaking to XXXX people they refused to do so. 

I also had charges from XXXX XXXX on my XXXX and XXXX Statements that were not authorized. I suspect this was fraud and I do not know if Comenity is complicit in this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: MA
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:
I received a defective item. 
I returned the Item with an XXXX label. 
I provided a vast array of documentation proving that I returned the defective item as agreed. 
Chase sided with the merchant even though they were given overwhelming information that the item had been returned and was defective. 

Chase violated terms of services as the credit card is supposed to protect me from fraudulent and defective items, as agreed in the contract and terms of service. 

The transaction date is the following : XX/XX/2023 The merchant name is : XXXX The amount disputed is : XXXX Chase has all XXXX the evidence in hand already and is ignoring the evidence I provided. 

The evidence includes the following : Receipt from XXXX showing that I dropped off the item. 
Photos of the Item as it was being packed. 

Photos of the box that it was sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CCF Intermediate Holdings LLC
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is a collection account on my credit report which lists Speedy Cash as the original creditor. I don't recall having a balance due with Speedy Cash for the amount that's reporting on my credit report. Furthermore, I didn't receive anything about a debt being owed, or an account being sold. Please send all original documents for this loan as well as the balance due on the account. I am also requesting the correspondence sent to me when Speedy Cash sold this account. If you can not provide this information, then contact the collection agency to cease reporting of this inaccurate account. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Re discover card account # XXXX Discover card services had opened a pair of disputes that I had not requested : Dispute number 1 - a {$2000.00} charge on XX/XX/22 to XXXX XXXX XXXX on my Discover card ending in XXXX. 

Dispute number 2 - a {$1400.00} on XX/XX/22 to XXXX XXXX XXXX to my Discover card ending in XXXX. 

I do not dispute these charges and had communicated this via fax to the company yet had not received a response. I had also communicated to the company via fax to ensure my mailing address on file is current ( XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) yet have not received a response. 

I have been left to communicate with the company via fax as they refuse to deliver phone or chat support to me citing a " fraud alert '' on my account. 

I trust this complaint will aid to restore normal service to my account and a recall of these erroneous disputes. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 i disputed incorrect information on my credit report through my CFPB portal. It has been 30 days and the reinvestigation is still open with no results, no verification/validation or physical proof of these alleged debts as requested by me under the provisions of 15 USC 1692 ( g ). Further I have a right to privacy under the provisions of 1681b

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: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Our PNC Core Visa was set for auto-pay every month. There was an error when setting up auto pay and rather than having it set for the XXXX of every month ( card 's due date ), it was set to the XXXX of every month. Due to online statements, and the fact that the card was not being reported as late, we did not notice that we were being charged late fees since XX/XX/2023. When I called PNC and spoke to both a customer service representative AND a supervisor, I was told that they would only refund one month 's late fee. The unfairness here is that PNC was BOTH collecting their minimum payment due on the account AND a late fee for payment that was received within 48 hours of the due date. PNC has reaped {$100.00} in late fees from us, even though they've been receiving their regular payment monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Two names on report are incorrect ... I do not have/use an alias ... Possible fraud ot ID theft ...

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnions gross negligence in investigating credit disputes. As a consumer, I have encountered severe issues with TransUnions handling of disputes related to my credit report, leading to detrimental consequences on my financial well-being.

My experiences with TransUnion have underscored a consistent failure to comply with federal laws, particularly the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies, such as TransUnion, must conduct thorough and timely investigations into consumer disputes. Specific grievances include : 1. Failure to Verify Inaccurate Information : Despite expressing concerns about inaccuracies on my credit report, TransUnion consistently fails to verify the information promptly, resulting in continued damage to my credit score and financial standing.

2. Extended Response Times : TransUnions investigations routinely surpass the stipulated XXXX timeframe mandated by the FCRA. This delay has significantly impacted my ability to secure credit, obtain loans, or make crucial financial decisions. 
3. Inadequate Communication : Communication from TransUnion during the dispute process has been insufficient, leaving me uninformed about the status of my disputes and the actions taken. This lack of transparency compounds the frustration and confusion associated with the process.

4. Repeated Neglect : My attempts to address these issues with TransUnion have been met with inadequate responses, if any at all. Their negligence in addressing my concerns has further eroded my trust in the credit reporting system.

I believe that TransUnions gross negligence in investigating credit disputes directly contravenes the FCRA, undermining the purpose of credit reporting agencies to provide accurate and reliable credit information to consumers and creditors alike.

I kindly request that the CFPB investigates these allegations against TransUnion and takes appropriate action to ensure compliance with federal laws and regulations. Moreover, I urge the CFPB to hold TransUnion accountable for its failure to provide consumers with a fair, transparent, and efficient process for disputing credit information.

The impact of TransUnions negligence on my financial well-being is substantial, and I trust that the CFPB will address these concerns seriously to safeguard the rights of consumers like me. I would appreciate updates on the status of this complaint and any actions taken to address the issues raised herein.

Thank you for your attention to this matter and for your commitment to protecting consumer rights.

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 2023-01-05
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am requesting a refund for a fraudulent transaction to the person who collected my money on behalf of his company to perform marketing services and failed to deliver, disappearing with my money. I am trying to refund money for a while and have no luck with the bank where I sent my money from. XXXX XXXX referred me to Zelle, saying that it was done through them and since transaction was authorized, they cant do refund. The problem is that the transaction was authorized to a scamming company and person knew that zelle payment wouldnt be able to reverse. So I am reporting this scam and asking for assistance from my financial institution and bureau to recover my lost funds. 

Details of transaction : Zelle payment made to XXXX XXXX on XX/XX/XXXX for {$4500.00} Zelle payment made to XXXX XXXX on XX/XX/XXXX. 
Service that is supposed to be delivered- management of marketplace and marketing it under my personal account. 
Company collected money, failed to perform promised services and disappeared without answering calls and emails. 

I have sent few disputes through my XXXX XXXX and was denied since transaction was done through zelle. Zelle told me to contact my bank since transaction happened through online banking. It is a tricky situation where nobody wants to help or take any responsibility for scam transactions leaving me alone against this situation and letting these transactions happen to other innocent people. Something has to be done to protect consumers when banks cant solve such issues. 

Please help me to find justice and refund my money from zelle transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I Have intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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, XXXX XXXX confirm that I haven't received good or services from the following creditors. I have contacted transunion multiple times about the following information and transunion continues to ignore my request. This sums up to over XXXX please delete asap. 

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 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 I, XXXX XXXX confirm that I haven't received good or services from the following creditors. I have contacted transunion multiple times about the following information and transunion continues to ignore my request. This sums up to over XXXX please delete asap. 

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 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 2023-09-08
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:
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 XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}

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 2023-07-06
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I receive notification from court that I was being sued for credit card debt that was purchased by collection agency. They said that I bought sent over {$3000.00} at Zales for earrings. I did have a Zales credit card but I never used it and assumed the account was closed. I sent in a response back in 2020 that I disputed the debt and never heard anything back. I also disputed the debt on my credit report and it was removed. In XXXX of this year I received a notification from my job about possible garnishments. Apparently, there have been multiple hearings that I was not notified about to be able to defend my side. When I contacted the collection agency, they keep saying they are gon na send me information from the Zales but all they sent was a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
THERE IS UNAUTHORIZED USE OF MY CONSUMER REPORT AND IT IS NOT FAIR AND EQUITABLE TO ME NOR IS ACCURATE I DEMAND THESE INQUIRES BE DELETED AND REMOVED FROM MY CONSUMER REPORT .CIVIL LIABILITY MAY BE GRANTED TO ME IF FAILURE TO COMPLY WITH FCRA 

Inquiries reporting 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