BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: TN
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:
XXXX Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a or my account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: Central Portfolio Control Inc.
State: CO
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 have repeatedly received phone calls from a company claiming to collect debt owed by me to a school i attended. To the best of my knowledge i do not owe the school. 

Their claims about the said debt keeps changing. 

I have not received any written communication about the debt to which i can properly respond. 

The phone calls apart from being distressing offer woefully inadequate information about the debt e.g what service exactly i owe for and to whom specifically i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-05-19
Company: EQUIFAX, 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 am submitting my complaint and therefore I demand the immediate removal of inaccurate informations in my file. I saw these UNVERIFIABLE items on my personal profile, I noticed that there were items on my credit report which are UNKNOWN to me. This is disappointing and I have been disputing fraud accounts on my credit report all this time. The fraudulent accounts must be REMOVED from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items needs to remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2017, I have disputed the debt as not being mine. I have no knowledge of this debt. Since then i have requested a validation ( at least 4 occasions ) which has been ignored by both the credit reporting agency ( XXXX ) and the debt collector.

I need to see any documents in its original form bearing my signature.

I advised during my correspondence that this is not a refusal to pay. As per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } the claim is disputed and validation is requested.

I also mentioned in my correspondence this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that the offices provide me with competent evidence that I have any legal obligation to pay. 

Someone claiming I owe with an account statement does not suffice that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to lodge a complaint against my student loan servicer, XXXX, as well as the three major credit bureaus : XXXX, XXXX, and Equifax. In XX/XX/2023, my credit report reflected a 90-day late payment on my student loan account. However, I certify this reporting to be in error, as I should have been in federal deferment under the provisions of the CARES Act. I seek your assistance in rectifying this issue and ensuring that such discrepancies are addressed promptly to protect consumers like myself. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: VA
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 ordered my credit reports back inXX/XX/2023, and found inaccurate items on my report. So i submitted dispute letters to all three credit bureaus on XX/XX/2023. Advising of the inaccurate information. I have not received any investigation results and it is beyond the 30 days.

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 2023-05-18
Company: Experian Information Solutions 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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2021-12-22
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Have had my Nordstrom card for over 2 years. Only one late payment. They decreased my limit due to random credit pull

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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 am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( 7 ) seven hard inquiries and inaccurate personal information showing on the credit file with Experian. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: FL
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 have attached an FTC report with a fraudulent account and fraudulent inquiries

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 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I had my company Credit card Account # XXXX XX/XX/26 XXXX From BOA. 
My grand daughter was always managing our payments and managing as a book keeper because I am over 70 years. So I wasn't aware of what she was paying. But XXXX day I had noticed that all the fraudulent charges by someone XXXX from XXXX without my authorization. 
I had never authorized these cards to be used and these are all fraudulent charges. 
So please investigate and remove all these charges ASAP.

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 2021-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I wired {$50000.00} from my check account in Bank of America to my wife 's account in XXXX XXXX XXXX  in XX/XX/2021. But she only recieved {$48000.00}. I don't know what happened, why I lost so much money. I don't understand why she recieved US dollar but Bank of America exchanged that money to RMB and then exchange it to US dollar and send to her account. I don't know whether I or Bank of America made some mistakes. Anyway, I want cancel that transaction. So I asked Bank of Americato recall my money. However, I called the service center of Bank of America five times. First time an assotiate did the recall and gave me a case No. : XXXX. Second time an assotiate cound n't find my case and did recall again and gave me a new case No. : XXXX. Third time an assotiate knew nothing about my case. Forth time I call the superviser XXXX ( XXXX ). She did the recall again and gave me the new case XXXX. XXXX. Fifth time an associate say nothing happend about my recall. I have been a loyal customer of Bank of America for over four years. I am very disappionted. I am not only lost money but also undergone a terrible service experience.

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 2019-03-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am filing a new complaint after MoneyGram 's response to complaint XXXX. I will copy their response below. As you can see they have made some libelous claims against me, and the number and address they supplied to speak to Mr. XXXX have not worked out. MoneyGram refuses to contact me. Some years in the past I had a problem with XXXX XXXX because someone with my same name had caused some problem ; however, XXXX XXXX contacted me an we resolved my identity. The number MoneyGram supplied is a general service number out of the Country, but XXXX said he would email Mr. XXXX and ask him to call me which never happened. In addition, I sent several letters to the XXXX address. At this point I am simply trying to have a discussion with Mr. XXXX to find out why they have made these false claims. I hope you can somehow help me with they. I plan to spend whatever time necessary to correct MoneyGram 's error. 

This was their response : The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Dear XXXX XXXX, Your email on XX/XX/2019 to the Consumer Financial Protection Bureau via the online complaint portal regarding a MoneyGram online account has been forwarded to our attention. We would like to assure you that we are now investigating the issues addressed in your email. We will keep you updated on the progress of our research and will communicate back to you with a more detailed response once we have completed our investigation. While we are researching your concern, if you have any questions, you may contact us directly by e-mailing us at XXXX, calling us at XXXX or by writing to us at the address provided below. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence. XXXX XXXX, thank you again for giving us the opportunity to respond to your concerns. We very much appreciate your patronage with MoneyGram and look forward to the privilege of assisting you again soon. Sincerely, XXXX XXXX XXXX XXXX Department XXXX MoneyGram XXXX Mailing Address : XXXX XXXX XXXX  MoneyGram XXXX , XXXX XXXX XXXX XXXX XXXX , TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an identity theft ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX  XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXX NA Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/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 2022-10-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XX/XX/2022 I attempted to transfer money from my Venmo to another financial institution account that I also own. I tried to transfer {$5000.00} and Venmo gave me an error message that you could not transfer more than {$4900.00} in one transaction. Fine. I attempted two transfers, one for {$1000.00} and another for {$4000.00}. It wasn't until the next day that I found out my account was frozen after trying to pay for a service. Luckily, I had my credit cadd on hand. I reached out to Venmo and sent my drivers license, as requested, to verify my identity. It has been over a week and no one has contacted me to fix this. Account reps at Venmo have been vague and very unhelpful. Phone calls have been even worse the supervisors have about as much power as their employees. This account consists of my job paycheck and as the head of my household this is what I use to put food on the table which Ive also told Venmo but they simply do not card they'd rather let this problem linger. Even after receiving enough complaints from customers about this issue, they will not fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello there, i believe i am the victim of identity theft. My ssn was used in numerious inquiries that i never authorized. Please help me to remove the inquiries and protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX calls 30 times a day from different state phone numbers late at night early Sunday mornings non stop harrassment.

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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2018-08-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I had a XXXX XXXX, but XXXX County canceled the occupational license, because of their mistake. The house was not in commercial zone and they gave me by mistake a permission, so because of their mistake I lost all my capital plus the money that I had as loans or mortgage. I could not pay the mortgage and could not use the boarding as before, the price of the real estates also came 50 % down, so I could not sell and pay the bank. The water damaged the building, and insurance co. XXXX XXXX did not pay, the tenants did not pay and also stole my XXXX XXXX. Sheriff did not take it seriously and so I was robbed from many sides. I got also bad credit score and could not work other places. You see I robbed from many side and the system was indifferent, how can I pay, in the time, people did not pay the rent, robbed my fully furnished XXXX XXXX, insurance co,. did not pay the water damage and robbing, bank took the XXXX XXXX and did not cooperate with me. I spent over XXXX dollars for the XXXX XXXX and the bank sold it for XXXX. the people robbed me, it is fine, insurance co. did not pay it is fine, bank took my boarding school and sold cheap, it is fine and I hired attorney for modification, he said, I should give the building back ... I hired attorney to sue the county, she said, she will not do it. So I could not pay the student loan, too. I was persecuted in XXXX, because of XXXX and XXXX religions and here I am totally robbed and nobody help. I hope you can do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief