BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi Dear customer service, I received an email from XXXX XXXX that my XXXX XXXX  sent a 30 days late payment for XXXX month to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX XXXX department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is XXXX XXXX. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to XXXX XXXX and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to XXXX I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that XXXX XXXX   will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.

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 2022-12-31
Company: EQUIFAX, INC.
State: NE
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 submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have reviewed my credit report today XX/XX/22 and have found that unauthorized inaccurate late payments are being furnished to my credit report. I did not give written consent to have transactions between the furnisher and myself to be reported by XXXX transunion, or XXXX. A consumer report should EXCLUDE transactions and experiences between the consumer and person making the report, that is stated in 15 usc 1681a ( 2 ) ( A ) ( i ), so why is payment history being reported? please see attachment for details

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 2023-01-13
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; If the credit bureaus feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-05-17
Company: Avadyne Health Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called to speak with an H & R collections representative two different times today ( XX/XX/22 ). During the first conversation when I asked for my account number to pay my bill online I was told I was being taken to small claims court and could not pay online. I asked for the account number anyway and discovered later I could pay online. I called back after losing the account number where again I was told I could not pay online. I also asked about being sued. I asked when this was happening and if I could have evidence of this. I was told no and that they did not have to provide a record. I asked if I could talk to someone who could tell me more about being sued and I was told no. I felt like I was being threatened over the phone in order to get me to pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: NE
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 submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 rewards from credit card

Complaint:
Purchased a flight on XX/XX/XXXX using Capital One XXXX  through my Capital One XXXX credit card. Had to cancel flight ( XXXX ), but got travel credit through Capital One XXXX. At this point my credit card was cancelled ( Capital One XXXX  ) already due to avoiding annual fees so I used my Capital One XXXX credit and another credit card to pay. Rebooked the new flights over the phone with a Capital One XXXX agent in XX/XX/XXXX for XX/XX/XXXX XXXX. Had to cancel our XX/XX/XXXX flights with XXXX and after 5 months of calls they let us know they refunded the {$800.00} flight to Capital One XXXX which was broken up into 2 credit card reimbursements and XXXX in miles. We were not told this until last week in XX/XX/XXXX. When I went to look at my XXXX account with Capital One the account is PURGED. We called customer service and were transferred 3 times on hour call with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-31
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Company called family members disclosing information about debt and threats of consequences. AMEX should NOT be calling my parents at all at this point! Normally they are only allowed to contact a XXXX party XXXX time and only to obtain current contact information and not to discuss ANY details of the debt and certainly not to collect it from anyone other than the account holder. Calling repeatedly is technically illegal and very much against FTC guidelines according to the FDCPA ( Fair Debt Collection Practices Act. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022, my husband visited Fifth Third Bank at a branch location to inquire about a home improvement loan. ( They currently hold our mortgage ). We have not yet decided that we want to get one ; he was looking for basic information to inform our decision on whether or not to apply for one or to finance another way. 
The bank ran my credit ( hard inquiry ). I did not give my permission for that action whatsoever, and my husband was unaware they planned to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
signed up for a bitcoin buying site and i was talking to someone who was gong to buy me a bitcoin if i sent him my email then he would tell me how much money to send. 
sent this person my email and he has gotten access to my PayPal account. 
He had then sent him self XXXX dollars from my account. When i contacted him he has not responded and kept reading my messages. 
then contacted Paypal and expalned dd not make that XXXX and changed my password. 
Paypal has not responded and sad there s nothng they can do about t. 
am requesting my money back that was taken from me wth out my permsson. 
have requested my money back from the emal that t was sent to but there s no response XXXX XXXX -negative {$200.00} XX/XX/2020 Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2020. 
Paid with PayPal XXXX XXXX balance Transaction ID XXXX Sent to XXXX XXXX XXXX Details Sent to XXXX XXXX {$200.00} Fee {$4.00} Total {$200.00} Print details

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion is the only credit reporting agency that didnt honor my report with the FTC and police report. These Identity theft accounts that remain still open on my TransUnion report. TransUnion was the only reporting agency that didnt remove the fraudulent, Identity thief accounts on my report. Can you please help me in this matter these accounts obtained are Unfortunately harming my livelihood.

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 2022-07-07
Company: EQUIFAX, INC.
State: GA
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:
In XXXXXXXX XXXX I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to EQUIFAX, XXXX, XXXX and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XXXX XXXX XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-06-02
Company: Experian Information Solutions Inc.
State: MO
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:
I submitted a dispute regarding a public record a few months ago ( 60 days approximately XXXX which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and XXXXI ) had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.

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 2022-05-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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.

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 2018-05-07
Company: GreenSky, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Opened a dispute regarding charge on Credit Card with GreenSky back in XX/XX/XXXX. In the initial review of dispute, I received a letter from GreenSky on XX/XX/XXXX stating they have researched my claim and decided that I am liable for charge. I contacted GreenSky again in XX/XX/XXXX and provided them with further information regarding my initial claim. As a result, they agreed to continue their investigation on my account. GreenSky agreed to freeze my account during the time of their investigation. I followed up with GreenSky with over 50 emails and phone calls over the next several months, left numerous messages and sent numerous emails to GreenSky asking to find out what the resolution of their investigation was. I received no response either verbally or in writing. All of a sudden I started receiving statements from Greensky again in XX/XX/XXXX and again, attempted to call and email their Consumer Projects Department asking what the resolution of the investigation was. Again, never received a call back or any type of response. I found out in XX/XX/XXXX that they had begun reporting unpaid past due payments on my account, so I increased my number of calls only to finally get someone on the phone on XX/XX/XXXX. That was the first time I was given official notice of their conclusion of the investigation and requested that they remove the late payment marks on my credit as I never received notification that the investigation on my account was complete. They are now refusing to adjust their credit reporting, which they had no right to report as past due because I NEVER received any notification of the investigation on my account being completed. They previously sent me a letter stating that they have completed the investigation, prior to re-opening the investigation, so I believe that it demonstrates precedent on the manner in which they notify customers of the completion of investigation. I have still not received any official notice that they investigation is complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on AMERICAN EXPRES dated XX/XX/2006 ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm from XXXX XXXX, so when I was in college in XXXX, XXXX Someone broke into my dorm room when I was at football practice, and ramshackle my room where all my wallet was, told my debit card which had my signature and pin code on it, as well as my social security card. There was no Wells Fargo in XXXX closets one was XXXX miles away from XXXX, TN. I told them I was robbed so the teller told me into the back of the bank. Made me called the fraud office and they told me my account was frozen and there's nothing they couldn't do anything to help. They really just kicked me out over my account I had for 8 years.

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