BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently open a children place credit card and have been charge XXXX late fees. 
My credit card is due on the XXXX of each month. In XXXX This was my first time making a payment and hadnt realized I missed my due date by 4 days I was I was paying through the mobile app because the telephone service was already close and that in itself was a very frustrating process because the app makes it very difficult to even find manage credit card payment they put it in the smallest font ever and you have to create another account username and sign in to make the payment in addition to the regular app I thought I was going to be in a 10day grace period or that the late fee was already added so I paid the full statement balance. The following month I didnt even realize I had a balance and just had happen to check my mobile app on the actual due date of the XXXX so Immediately made the payment now I see I was charge ANOTHER late payment because they said I had to make the payment by XXXX. This is unreasonable and unrealistic for a new mom that works from XXXX to XXXX most days I have perfect payment history and had a XXXX credit score if not higher and has now dropped by the time I am able to call customer care they are always closed and the virtual chat is not much use and I cant find a email to submit dispute.. I feel there tactics are predatory to make clients purposely default and even when you make full statement balance they charge you late fees several days after I made my payment on the due date and check the app several time the next few day to make sure I wasnt charge another late fee and now I check and see I have another late fee of charged 11 days later! There are plenty of other banks that honor you payment no matter the time even it they process It on the next business day. I feel this very wrong and want dispute and closed the account I will not continue doing business with children place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I submitted a complaint on Paypal. I am submitting this today to add to the supporting documents. 
On Monday, XX/XX/XXXX someoneby the name of " XXXX '' reached out to me from XXXX XXXX XXXX. 
XXXX stated several conflicting things to me and insisted that I download XXXX to get new tracking information. 

XXXX states that she sent me a package. 

XXXX stated that she checked thepackageand found out that she made a mistake and sent me 4 bundles when she should've sent me 6. I asked her what package did she check and what did she send to me. 

XXXX also stated that a package is still in transit to me and that if I download XXXX she will give the tracking number. I asked for a tracking number. She then stated that the package was delivered and she thought it was in transit. 

XXXX is well aware that she does not have my permission to send me anything. 

At this point I believethat XXXX stole my information and made a fake order when I chose not to start orcomplete an order with XXXX. 

XXXX is a scammer who has been supported by Paypal in her scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions 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:
There is a collection from XXXX on my credit report. I have been disputing this collection for MONTHS. Continuously telling the bureaus that I have not done business with this company, continuously asking them to validate the debt and nothing ever happens except them saying " verified ''. This thing has so many issues. They acknowledge my dispute with no proof of validation which is completely against the law, the current balance is lower than the high balance, it says date of last activity for XXXX was XX/XX/XXXX but how? Date of last activity for Experian says XXXX. I don't even know who these people are. My rights have been violated and my credit file is suffering. I have been denied credit due to this. I didn't want to go as far as hiring an attorney but if this is not removed within 30 days I will be hiring a attorney to represent me in court. 
This complaint serves as the final demand for proof of validation. While this is being disputed I also demand removal from my report & cease of collection.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
While checking my most recent credit report, I noticed 3 hard credit inquiries and personal identification information that I did not authorize, I am unaware of, and believe to be fraudulently made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report and believe these to be fraudulent. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. I formally request that these fraudulent inquiries and Accounts be immediately deleted from the credit file that you maintain under my Social Security number. 
I called all companies involved, canceled or closed any products issued, and was instructed by these companies and XXXX to let you know formally with these instructions included. Ive attached an FTC Report # XXXX, as well as my official License state ID, Social Security Card, and Proof of current Residency. If anything comes verified, show me signatures and original documents showing true accuracy.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: MN
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 have tried to apply for a loan, but they denied it since they indicate that there is a social security number, I currently have an ITIN NUMBER, I do not have an SSN. This is mixed information. I have requested and sent XXXX and Experian the evidence and my documents, but they still ignore my request.

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 2021-07-15
Company: EQUIFAX, INC.
State: AL
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 lost my wallet and my information was also released in multiple breaches. I also was a victim of the Equifax Credit Breach. My identifying information was also found on the black market and I had reason to believe that an ex-boyfriend used my information. I placed a fraud alert on my credit in an attempt to stop fraudulent accounts from being opened that didn't stop fraudulent credit inquires from being put on my report. Typically companies take 30 days to do an investigation mine are all completed by the next business day saying that the information is factual. So Equifax is intentionally breaking the law by not actually looking into my disputes and again breaking the law by continuing to report fraudulent activity on my report that is hurting my credit score. I filed a police report in XXXX, AL. The police report number is XXXX. I want these inquiries removed per the FCRA standards for credit reporting. I had no control over the situation nor did I contribute in any way. My next line of action will be to file a formal lawsuit against Equifax. I would also like my complaint and contact information public for individuals who are also being treated unjustly by this credit bureau. I didn't and couldn't file a complaint about every inquiry. I have also attempted to file disputes with XXXX and XXXX. With XXXX acknowledging some of the inquiries as fraud but denying others. I can not control when a fraudulent inquiry is added to my report. Furthermore, these companies should have enough sense to not run my credit multiple times for the same company on the same day, that alone should tell you that it is fraudulent information on my credit report. 

1. Because I didn't want to waste my time and this company isn't doing their due diligence 2. They are saying they verified the information within 24hrs. On some disputes, there are 10-15 companies listed and they are still claiming to have verified the information 3. Inquiries they have claimed where factual has been removed by the inquiring company because they found it to be a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated XXXX timeframe. How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I want to make it unequivocally clear that I am not about to let this gross XXXX of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is paramount that we resolve this matter promptly, within the 5-day timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute letter. My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.

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 2019-02-13
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 I had ordered a service called XXXX which states that they can erase your XXXX if its locked etc. They never in their refund policy state that you need to take screen shots showing that their downloaded service to your computer doesnt pick up your XXXX / ie recognize it. They were also supposedly on vacation at festivals and couldnt get back to me. Which I thought was weird. They did get back fast when I contacted PayPal. PayPal hasnt done anything about this / its a simple case. The company I mentioned above wants screen shots showing that my device doesnt work with their software but they never once tell you that if you want a refund you need to take screen shots. I dont have the phone I brought it back to XXXX told PayPal and the merchant that I cant provide screen shots of a phone where their service doesnt recognize the phone ( however XXXX XXXX did ) so its a problem with their software, if i dont have the phone anymore and I can prove that I had to send the phone back. So Im being charged by PayPal and the merchant XXXX for something that never worked to begin with nor was I told to take screen shots to get s refund prior to sending back my phone so why am I paying for software that didnt work and 2. If they required screen shots from me they should put that info in their refund policy online which they dont - XXXX scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/ I sent a dispute letter to Experian along with my ID I received an email on XX/XX/ that it does not appear to be sent by me. I did send the letter and I feel that they are violating my rights by stalling and not having to look into the account. This is not the first time Experian has done this to me. These are the dates that I sent the dispute letters on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX and then on XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXXXXXX Balance Owed : {$910.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 2022-06-13
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:
I, XXXX XXXXky Consumer and natural person, am aware of all rights that I have and which are protected by the congress under the fair credit reporting act ( FCRA ). The list of Accounts Below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name- XXXX XXXX Account Number- XXXX 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 report agency can not furnish A account without MY WRITTEN instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: TX
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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a personal loan through Title Max located in XXXX XXXX, Texas. The total loan was {$1500.00} and I was told I would have to pay back a little over {$2500.00} including interest. I have now been paying on the loan since XXXX and have paid {$2500.00} but still have an outstanding balance of {$2000.00}. I contacted the customer service number and they advised to me to read my contract. I advised them I read the contract with the loan person and agreed I would pay back the {$2500.00}. I dont know what to do now. I can not afford to keep paying this loan. If I do, I would have paid over {$5000.00} and I know I wouldve NEVER agreed to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2022-06-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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. 


In accordance with the Fair Credit Reporting act XXXX 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. 


In accordance with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation