BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2019-03-20
Company: Diversified Consultants, 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 few accounts that show on my report when its been over 7 years and should be off by now but they will not take off. And an account opened that is not mine or never agreed to and they will not remove. This has been over many days and dates to include

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
I purchased a money order for a XXXX apartment application with {$50.00} cash. I purchased it at XXXX XXXX XXXX XXXX draft. On XX/XX/XXXX date of check I filled out recipient information incorrectly. I walked XXXX minutes to XXXX TD bank off XXXX XXXX and deposited check at teller window. I had crossed out the initial recipient XXXX XXXX as they would not accept for not staying XXXX XXXX. I had overdraft protection for ATM benefit and had deposited over $ 1500 month of XXXX and {$130.00} XXXX cash. TD Bank closed my account and online availability to XXXX money into the account for conjoint deposit by mobile upload. TD refuses to give me back the check after teller manager in XXXX XXXX branch assured me mailing back and loss of relationship. I traveled across state lines XXXX  to XXXX XXXX XXXX  going XXXX hours distance of, XXXX counties to a carbon of " altered '' check and savings and checking statements but no return check. I expect TD to either return the check or credit the closed Convenience checking the {$50.00} credit of refuted check to closed balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Dispute started in the spring of XX/XX/XXXX with XXXX XXXX. After over 15 years of service from this company I dealt with misleading information, fraud, lying, breaking of contract agreements on their part, and horrible service. I decided I had enough after trying to resolve all the issues and disconnected their service. They have tried to collect a disconnect fee of {$230.00} ever since XX/XX/XXXX. First by sending it to the collection Agency XXXX in the spring of XX/XX/XXXX. This resulted in my Credit Score being lowered by all three Credit Bureaus. I then filed a dispute with all three and XXXX. All three credit bureaus removed the report and XXXX dropped the collection. 

Now here we are a year later and XXXX simply moved the collection fee to a new collection agency XXXX XXXX. Again my credit score was lowered and now I am disputing this unreasonable charge with them and XXXX XXXX. At this time XX/XX/XXXX and XX/XX/XXXX have again agreed to remove the report, but for whatever reason Transunion is still being difficult even though they had no problem removing it last year. I have appealed their first decision and filed a second dispute with Transunion. I have also told XXXX XXXX I will not pay the fee and informed them of the history of this collection. 

Below is an outline of some of the issues. I will attach and upload some supporting documents, but many were destroyed last year after I thought the issue was resolved. 

The original Creditor ( XXXX ) charged the fee as a disconnect charge I did not agree to pay. 

XXXX service was disconnected as a result of their horrible service, fraud, misrepresentation of their contract, lying, and a total dissatisfaction with their organization. 

This same collection popped up last year and XXXX, Transunion, and XXXX removed it from their files and the collection agency XXXX dropped it as well. Regarding the current collection issue with XXXX XXXX, Transunion is dragging their feet and XXXX XXXX will not drop the collection apparently. 

I had several other documents supporting this dispute but they were destroyed over a year ago when all credit reporting agencies and collection companies had taken this issue off their records. 

I hope your organization can assist in ending this matter permanently as it had been a nightmare and t do not want to continue filing disputes and appeals.

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 2023-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against PORTFOLIO RC XXXX that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX  account number XXXX XXXX  that is on my credit report it's inaccurate last day active for XXXX it shows XX/XX/2022, for Experian it's XX/XX/2022, and for XXXX it's XXXX 
therefore this is totally inaccurate and does not need to be on my credit report please delete this 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 2021-01-15
Company: Experian Information Solutions Inc.
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:
I have made multiple complaints against XXXX because they are just not right. It is reflected in the attached letter from XXXX ; Credit card was stolen and 3 fraudulent payments were made on my credit card totaling {$11000.00} in 7 days to continue using the card and grossly exceeding the credit limit of the card. How is this possible with todays technology? If I receive just one bad payment ; thats it, no more. Banks even have better policies and systems in place to protect their customers. In addition, XXXX didnt notify me for permission per Consumer Financial Protect Bureau Section 1026.56 for over-the-limit transactions. If they had notified, I would have said WHOA!!!!! I requested the method of the fraudulent payments to prove the fraud but XXXX simply states in the attached letter we will not be providing the requested information. I was informed this information was confidential information of the thief.?????? My card, my liability and XXXX protects someone who has nothing to do with the card and stealing.????????? The XXXX debt on the credit report belongs to another and is not mine. I did not receive any benefits nor make fraudulent payments or purchases from XX/XX/2017 forward.

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 2021-04-07
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
IN 2018 WESTERN UNION ( VIA THEIR AGENTS IN OUR NEIGHBORHOOD XXXX, XXXX, ETC ) HAS BEEN COLLECTING INFORMATION AND GETTING COMPLETE FILES ON ME AND MY PARENTS AND DEMANDED MY SOCIAL SECURITY NUMBER TO RELEASE THE MONETARY GIFT MY PARENTS HAD CONTRACTE THEM TO DELIVER TO ME FOR OUR BIRTHDAYS AND XXXX. 
WHEN I DENIED TO RELEASE MY SSN AND INSTEAD I PRESENTED THEM WITH NOT ONE, BUT TWO VALID GOVERNMENT ISSUED PROOFS OF ID ( MY REAL ID DRIVERS LICENSE AND EVEN MY CHIP TECHNOLOGY US PASSPORT, BOTH VALID ) AFTER ENTERING ALL MY INFORMATION INTO THEIR SYSTEM, THEY STILL DENIED ME THE MONEY MY PARENTS HAD SENT US, AND THEIR AGENTS STILL INSISTED THAT ONLY BY GIVING THEM MY SSN THEY MIGHT BE ALLOWED BY THE WU SYSTEM TO RELEASE MY MONEY I AM CONVINCED THAT WESTERN UNION - A BANK WHICH I DID NOT CHOOSE TO OPEN AN ACCOUNT WITH -HAS USED THE FACT THAT MY PARENTS HAVE CONTRACTED THE MONEY TRANSFER SERVICE WITH THEM -TO FORCE ME TO GIVE THEM MY SOCIAL SECURITY NUMBER AND GATHER -UNDER FALSE PRETENSES- ALL THE OTHER PRIVATE INFORMATION ABOUT ME AND MY PARENTS.

IN EFFECT, WU, VIA THEIR AGENTS COLLECTED ALL MY INFORMATION AND MY PARENTS INFORMATION TO KEEP US AND IT HOSTAGE IN A HORRIBLE BAIT-AND SWITCH TACTIC WHICH - TO THIS DAY- HAS NOT BEEN RESOLVED. I BELIEVE THERE ARE MILLIONS OF PEOPLE WHO HAVE SUFFERED THE SAME FATE WHEN THEY ENTRUSTED WESTERN UNION WITH THEIR MONEY TRANSFERS AND WHO KNOWS WHO HAS BEEN MAKING A KILLING ON THE SOCIAL SECURITY NUMBERS THEY STOLE?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Affirm has opened XXXX loans virtually in my name on XX/XX/XXXX and XX/XX/XXXX - both which I learned about only after defaulting 30 days and effecting my credit. Affirm never notified me of a new loan or ran my credit for authorization.I also didn't realize this bc my payments are made automatically through my bank. I have filed a dispute with Affirm ( case # XXXX ) and with XXXX for this to be removed I opened my first loan with Affirm 5 years ago and they never help with reimbursements or help if there's any merchant dispute. The concerning part is that I have talked to Affirm to make sure my loans were in good standing right before I was notified about the 30 day late. This company does not insure their clients. I had a merchant send me a defective product- I disputed it for years and they never reimbursed me. I was never able to use the device- Affirm took {$800.00} from me for the product and never protected me. I will be paying off any debt I have with them and never use them again. They're quick to take the money but not protect and reimburse or do the right thing when its time to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
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 2018-04-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Recently Citibank and XXXX XXXX XXXX have publicly stated they will no longer give loans to companies that manufacture XXXX rifles and supporting equipment. I find it very difficult to do business with these financial institutions as they are infringing on my ability to pursue my second amendment rights. I believe they are making business decisions based on what they perceive as popularity reasons. I am considering closing my accounts with these companies and selling my stock in both companies. I am a Citi customer for over 40 years. I hope you can convince them it is not in their best interests to pursue 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 2023-08-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have tried to use my Amex gift card at multiple online merchants ( XXXX, XXXX, etc. ) and every time I try to use it the card gets declined. Every purchase I have attempted to make is less than the balance on the card so there is no reason for it to be declined. When I called Amex customer care to try and resolve the issue, the representative told me that the issue was on the merchant 's side as they may require additional security information to process the transactions. She recommended that I use the card at an in-person location. I mentioned that the item I am trying to buy is only available online and on the Amex information page on using their gift cards, they state it is accepted online at any merchant that excepts Amex. I explained to her that I have not had any issue using previous Amex gift cards to make purchases and she said that the only resolution that she could offer me is to use the card in person. Unfortunately this is not helpful as I am trying to buy a gift for my husband that is sold only online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
My score was XXXX noe its XXXX and I want to know why?

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 2022-10-14
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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:
XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : VERIFIED INFORMATION NO EXPLANATION NO UPDATED REPORT WITH ANY EXPLANATION OR DETAILS ON INVESTIGATION XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : VERIFIED WITHOUT ANY CHANGES OR EXPLAINATION. 

XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : NO CHANGES MADE NO INFORMATION PROVIDED XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL XXXX CREDIT REPORTS RESULTS : NO RESPONSE ALSO I QUALIFIED FOR ACCOUNTD TO BE DISCHARGED. THE AMOUNTS WERE REMOVED NOT THE DERROGATORY INFORMATION. ALL DERROGATORY INFORMATION MUST BE REMOVED IMMEDIATELY OR DELETE ACCOUNTS ALTOGETHER. 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was in foreclosure process. I went through Nc Homeowner Assistance Funding for help. I was awarded funding and they paid for my reinstatement. Now I had already been having issues with Bank of America customer service. The nchaf had paid over {$19000.00} on XX/XX/XXXX, for reinstatement and any fees that was owed on the mortgage account. They also are paying an additional XXXX months of mortgage payments, the last would be XX/XX/XXXX. In XX/XX/XXXX I was sent a statement bill saying I owe an additional {$380.00} fees. I had contacted my funding counselor, and I was informed that all debts and fees should of been already included in the first amount that Bank of America received, I then called back to Bank of America and discovered that now account statement balance had increased again to {$430.00}, when I ask about all these extra add on fees they couldnt explain and keep transferring to another representative causing me to start the entire inquiry process again. Now the XX/XX/XXXX mortgage payment is due, and my funding counselor informed me that a payment of {$850.00} was sent on XX/XX/XXXX, but the bank is saying that the payment wasnt received or that it may had been applied wrong. I keep trying to get some kind of understanding but they saying they cant pull up information due to that its not there department so now Im just getting transferred to person to person not getting anything resolved making my mortgage payment late. My issue where are my funds going and why are unexplained fees being added to the mortgage account.

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 2022-10-13
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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