BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a repossession from XXXX XXXX XXXX on my credit report 7 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their PHYSICAL POSSESSION on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked to NOT merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

To be clear, I am NOT disputing nor am I looking for validation of the repossession. I AM REQUESTING PHYSICAL DOCUMENTS. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the repossession, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the repossession be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be 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 non-monetary relief
Consumer complaint received 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC1681 section 602 States I have the right to privacy.

15 USC 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish a 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 late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-06-23
Company: Sunbit, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have never missed a payment with this company, suddenly my credit report was saying I was late and behind on payments. I have payments set up on auto-draft so that I could not miss any. However, I never received any communication that those payments for whatever reason were not received. This is extremely difficult right now as I am trying to clean my credit in order to buy a house. It is severely impossible to do so with things being on my credit that could have been easily communicated in order to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XXXX I was talked into adopting a tortoise through XXXX. I agreed to pay the shipping charges only. The XXXX  Site called " XXXX XXXX '' agreed and promised they would send me the tracking # for the Rescued Tortoise " who needed a home '' and it would arrive on XXXX. They wanted me to send {$40.00} via Paypal to a specific Email address, stating it was his " wife 's '' email address. I sent {$40.00}, and the transaction added {$2.00} ( charging me {$42.00} ), so I know that is a foreign transaction. He had told me he was in Florida, sent me pics of the tortoise, etc. He then asked me to send more money to 2 different email addresses that had XXXX lettering and I asked if he was in America, he became offended. He said I had to send an addition {$50.00} because the tortoise needed a XXXX XXXX. He said he was at XXXX XXXX  and going to do the XXXX XXXX while there. At a point after I had unfortunately initiated the {$40.00} payment to ship the rescued tortoise, I told him I felt uncomfortable with the entire transactions and to refund my {$42.00} as it seemed fraudulent and nothing made sense. He again promised the tortoise would arrive and he'd send the Tracking #. Instead, he never sent the XXXX XXXX  tracking # or the XXXX. That same night ( XXXX ) he blocked the Messaging on XXXX and removed his XXXX XXXX called " XXXX XXXX ''. 

I reached out to Paypal on XXXX after I realized I was completely scammed and told them not to pay this as it was a Scam. 

They paid it the next day ( XXXX ) anyway, and the {$42.00} came out of one of my XXXX XXXX XXXX that I have NEVER used to make purchases. I only use my Credit Card which takes the money from my regular Checking ; or use my regular checking account. 

I made a complaint to XXXX ( my bank ) asking them to help, but they said Paypal has to handle it. 

I have sent additional notes to Paypal, as well as the person " XXXX XXXX '' ( the name of the person that is assigned the email address I sent the money per the request of " XXXX XXXX '' on XXXX ). 

Paypal 's response is- They will respond by XXXX which is over a month away. 

I sent a message to XXXX XXXX ( the recipient ) telling her to refund the {$42.00} received but she did not respond on Paypal, and blocked me from sending further messages on Paypal. 

Can you help me with this? Paypal should have stopped this immediately on XXXX, as I did contact them prior to them sending my money once I realized I was scammed. 

I have the entire XXXX XXXX that took place between me and the site called XXXX XXXX, before they blocked messages and removed their XXXX XXXX. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
This is my 11th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
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:
I have five fruad accounts appearing on my credit repair please delete all accounts. 

XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$790.00} XXXX. XXXX XXXX XXXX {$670.00}

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 2022-04-14
Company: Consumer Portfolio Services, Inc.
State: MS
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:
Attempt # 1 : Disputed through Consumer Reporting Agencies Attempt # 2 : On XX/XX/22 I sent a Cease and Desist Letter via US Certified Mail to Consumer Portfolio Services outlining the following requests : Below are some of the violations reported : The illegal acceptance of the down payment amount of {$3000.00} ( 18 USC 1662b ) Fraudulently reporting 20 late payments to credit bureaus ( 15 USC 1681a ) Listing paid by insurance to consumers which is deceiving and falsified information ( 15 USC 1681a ) Privacy Violation in reporting to any and all credit reporting agencies without my written and expressed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is incorrectly reporting In accurate information on my credit report that's causing me serious issues. They are Saying that I'm late on payments for a car that I currently finance ( XXXX XXXXXXXX XXXX ) that is not true at all. They are saying I have a open derogatory with XXXX web bank and they are also saying I owe for credit cards that's been paid off years ago ( XXXX XXXX and XXXX XXXX All these things are saying that it's current but it's really not. The next thing that im gon na file is a lawsuit in court next.

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 2019-11-19
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Recently, I received an alert from my credit monitoring system which indicated my credit limit on a card decreased {$9600.00}, an over 60 % decrease in my available credit. I contacted a representative from the credit card company to discuss. The representative explained the significant decrease in available credit was due to increased usage of their card and a recent increase in credit inquiries. I explained the increase in inquiries was due to applying for a loan to install solar panels on my home and my increased usage on the credit card account was expected to be temporary, as evidenced by my recent large repayment, and per review of my account, I have not missed payments nor been late on any payments. He indicated they could possibly look at my account again however, not for a while due to the recent review. I explained how the egregious decrease in available credit would significantly reduce my credit score and artificially make future credit inquiries more difficult. Due to their unwillingness to continue to work with me as a customer, I informed them I would pay down my balance and then close my account, which would continue to negatively affect me from a credit and cash flow standpoint however, I will not work with a company that arbitrary hurts their most loyal customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In attempting to unfreeze an Experian credit report the company now forces consumers to create an account with the company instead of simply using the pin as before. This forces the consumer to agree to their XXXX  and subjects consumers to further marketing of it's products. They do offer a number to call for account services but it is nearly impossible to use due to technical glitches and the refusal to offer customer service agents help in correcting any issues or simply to say temporarily lift a freeze. I believe this " glitch '' is on purpose in order to force consumers to create ( even more ) accounts that they shouldn't need in order to simply remove a freeze. We froze our accounts after the XXXX data breach and now have to spend extra time dealing with these companies to who we NEVER gave permission to use our social security and other personal information about us. 
Regards, 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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-29
Company: Credit Karma, LLC
State: OK
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/XXXX I did a transfer of XXXX to my XXXX account. On that same same I canceled the transaction due to to delayed and still haven't received my funds. Credit karma and their representative hangup on my 7 times in one day and will not give me back my money. It's been more than 30 days and still haven't gotten my money. This business is in bad practice of stealing your tax refunds.. I still haven't gotten my XXXX credit karma stole. Give me back my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: IL
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:
Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: AMERICAN EXPRESS COMPANY
State: LA
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:
When my husband lost his job I closed my American Express account unaware that I would have to pay the balance in full. After alot of back and forth I was set up with a payment plan through a collection agency. I was assure that the my account and credit reporting information would show current. After paying the collection agency for over a year on time American Express XXXX XXXX XXXX 'd my account and sold it. They said I was past due even after I explain my arrangement. I then pulled my credit report which showed past due for all the months I paid on time. I got a letter a few months after contacting them and was told they made a mistake and corrected my credit report to show on time for 6 months. I heard nothing more from them. I called today after pulling my credit report again and finding they are still reporting me past due and attempted to make arrangements again. They agreed to a monthly payment of {$100.00} until they account was paid but stated they would continue to show me past due until the account was paid in full. Paying on time every month will do me no good in repairing the credit they destroyed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, 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:
Over the last 24 months I have been trying to be a responsible consumer and correct the inaccurate and inconsistence reported by the three Credit Reporting Bureaus. I have already requested verifications multiple times and for the most part the incorrect and or inconsistent reporting has been corrected, removed and lastly stated by the Bureaus that they did and investigation and that the remaining items where verified, yet there remain extreme amounts of inconsistent and inaccurate reporting. 

I am enclosing a screenshot of my most recent credit report highlighting the inaccurate inconsistence still remaining after the Bureaus claim to have verified that the item has been 100 % accurate and investigated timely. The Fair Credit Reporting Act requires that the Bureaus complete their reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received any reply because the Bureaus have been unable to verify this information. 

I would like the item removed immediately. By law the Bureaus are required to removing any inconsistent and persistent error and inaccurate information after a 30 day investigation has been completed. So, I request that they remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with non-monetary relief