BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
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: Account status incorrect

Complaint:
I, XXXX XXXX XXXX am submitting this on my own behalf. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681section 602 A. States that I have a right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency CAN NOT furnish a account without my expressed WRITTEN consent. FEDERAL LAW SUPERCEDES ANY COMPANY POLICY.The following accounts reporting to my consumer report is a violation of my privacy. REMOVE THE ACCOUNTS LISTED BELOW XXXX bank account was closed as of XXXX but is showing on my consumer report as 30 days late in XXXX XXXX 60 days late in XXXX XXXX  60 days late again in XXXX and 90 days late in XXXX of XXXX. How can an account be 60 days late twice. I demand that This is inaccurately reported account be deleted. The reporting of late payments during COVID 19 as per the CARES ACT is also a violation **documents attacthed** -XXXX XXXX XXXX account XXXX XXXX was removed from XXXX and XXXX due to the account being inaccurate. Remove this account -Us Department of Edu accounXXXX XXXX XXXX XXXXUs Department of Education account XXXX XXXX XXXXUs Department of Education account XXXX XXXX XXXXUs Department of Edu account XXXX XXXX XXXX XXXX XXXX XXXX account # 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 2021-09-14
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:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXXesident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Resident typeSingle family Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the pa

st six months. Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Resurgent Capital Services L.P.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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: Reporting company used your report improperly

Complaint:
The following accounts added to my credit report are as a result of identify theft fraud Accounts 1. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX XXXX. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX On XX/XX/XXXX, I sent a letter to Experian via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) stating identity theft. 

As of XX/XX/XXXX, I have not received a response from Experian regarding this matter nor have they provided me proof to confirm this account actually belongs to me. Pursuant to section 609A1A of the Fair Credit Reporting Act, the reporting agency MUST provide any supporting documentation showing proof that the reported items actually belongs to me. 

Attached is a copy of the following : - Original identity theft report - Letter to Creditor sent on XXXX  - Certified Mail Tracking Confirmation ( received )

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 2022-07-22
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: Account status incorrect

Complaint:
I have reached out to XXXX, XXXX and Transunion about accounts reporting delinquent when they are indeed not. These reporting agencies will verify without any actual verification. I have requested proof of verification but each company refuses to send verification. I legally have the right to be shown proof of verification. I require full disclosure and documentary evidence pursuant to 15 USC 44, that this information has been properly verified in the event of further legal proceedings. I demand to have full verifiable information. They are required by federal law to provide physical evidence which they have not and Im demanding for all of the inaccuracies being reported 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 explanation
Consumer complaint received 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 a payment to the capital one credit account was returned by the bank in error. Capital One credit reported the payment as late. This was not the case, The bank provided a letter and I provided it to capital one stating it was an error therefore the payment was made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called in like the app says - I lost my job end of XXXX due to covid 19 of 16 years.

Currently on unemployment and welfare. 

I contacted them after my bank was closed that had auto payments come out because of the hardship. 

I paid the balances in full for both my accounts minus a {$16.00} late fee from XX/XX/XXXX that was seen on XX/XX/XXXX as I have been dealing with being out of a job my finances are not there like they were and I completely forgot the cards were due on different days. Despite my other account being due on XX/XX/XXXX and me paying that in full as well on XX/XX/XXXX they claim they can not help me with a {$16.00} late fee. What kind of forgiveness or helping teh customer during covid is this. Not willing to waive a {$16.00} late fee being not even 3 days late. Seriously I explained to them I lost my job they were willing to help with nothing - I explained the bank account where auto payments were set up prior to losing job was closed and therefore the auto payments had stopped. Again there is nothing owed on either account now besides teh {$16.00} late fee. I had to borrow money to make them their payments today and that was just to satisfy the balance owed minus that one late fee. I can not understand how losing job due to covid and them not allowing us to go back to work during that time and them not willing to waive the late fee ( s ) associated with the hardship. Its extremely frustrating. The old man I spoke with was very unhelpful! ( SENIOR ACCOUNT EXEC ) he states. Yet I called about covid and my job being lost like it says and they did nothing. Not willing to waive a XXXX $ late fee this is unbelievable. I can't believe a company in their position would be partaking in these types of actions that would lead people to want to file bankruptcy over this type of thing. Also the wait times to speak to someone are insane they are in upwards of 30 minutes or over an hour to get a hold of someone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06
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: Account information incorrect

Complaint:
I have attached and account reporting to all three of my credit bureaus inaccurately, per the FCRA whom reports to my credit bureaus needs to report accurate information. There are 5 discrepencies on all three of my credit bureaus. This account needs to be deleted 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 2023-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022. I responded to a notice of a collection of debt from Portfolio Recovery Associates LLC. In my response, I requested the following items to be provided to me in order to validate the debt in which they assumed I owed to them. Those items were listed as follows : 1. The original contract from the original creditor with my signature on it.

2. The payment history and itemized billing associated with this alleged account.

3. The proof of authorization and ownership. How and when did your company get assigned or purchase this alleged debt owed to you.

4. Please provide the name, address, and phone number of the original creditor.

Please provide all requested information to me via mail. If you can not provide all of the requested information to me within 30 days, your attempt to collect the alleged debt will be considered as illusory and you must cease and desist all forms of communication with me. You will also be prohibited from reporting any negative information and false debts owed to you in my name to credit reporting agencies. 

After Portfolio Recovery Associates LLC received my request to validate the assumed debt owed to them, they ignored my request to provide me with these items and instead, they proceeded to report the assumed debt owed to them as a collection account to the credit reporting bureaus. The actions of Portfolio Recovery Associates LLC in their decision to ignore my request, has not only resulted in damages to my credit worthiness. But it has also violated my rights as a Consumer who demanded that the assumed debt which they said is owed to them be validated BEFORE reporting ANY negative items and/or false debts in my name to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are TD Auto Fin, XXXX XXXX , & XXXX XXXX XXXX from XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
The late payment listed on this account is therefore in violation of the above.

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 2023-09-07
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I currently can not log into my Venmo account whatsoever. Each attempt is met with an error, as follows : XXXX Exception : Unauthorized action. 

I XXXX  this problem, and discovered that there are many other Venmo users struggling with the issue, and it has been ongoing for some of them as early as XX/XX/23. When those other users have contacted Venmo support, they have either been told nothing can be done or to try again in 24 hours. This is an inexcusable pattern that is clearly kicking the can down the road rather than addressing the consumer issue. They have not publicly reported this problem, and are not interested in helping users get access to their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-01
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for Gold Delta SkyMiles from Amex credit card in XX/XX/XXXX through a promotion link when booking flight tickets through third-party flight booking websites. When you clicked the link to apply, the flight ticket price shown went down.

After having the card, I spoke with the customer services several times about my welcome offer, including miles earned by {$1000.00} purchase and {$200.00} credit earned by purchasing from XXXX  web directly within the three months. The customer services listed out in details that how I will get my welcome offer.

When making my international traveling plan, I intentionally book a flight from XXXX   even though there're quite a few faster and cheaper choices. But I want to collect my welcome offer anyway.

However, a few weeks after I purchased my ticket, I still didn't see the {$200.00} credit statement from AMEX account. So I spoke to customer services. After almost an hour repeating the same words to two different people, I got the answer that the cheaper flight from third-party website is already using the {$200.00} credit statement. It is very ridiculous because I already purchased a non-refundable flight ticket for that.

This is very misleading and potentially shows that AMEX is not in good faith! Firstly, they didn't mention anything that I already collected the welcome offer during the multiple times I spoke with customer services, and argued that they didn't see my statement posted at that time. Secondly, in the benefits listed on the web, the purchase must be from XXXX or XXXX XXXX etc. How can I tell the purchase from third-party web even with no XXXX name on the statement count? 'm very disappointed and their communication is very misleading to persuade you to purchase more from their partners.

When I try to file a complaint, the customer services just gave me a mail address for general inquiry and refused to file a complaint for me or providing any email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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