BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 that I am never late for but they're reporting me as late.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 has not removed scores of invalid, unauthorized inquiries. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Transunion databreach, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.

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 2023-11-17
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As you can see from the attached documents, this account has been paid and as requested and state by the company should be deleted from my credit report on all 3 reporting agencies. As you can also see, it has not been deleted and additionally will be reporting until XX/XX/2028! This is exorbitant and malicious abuse that will continue to hurt my credit and my ability to achieve my inalienable rights. Why the additional punish of 4 years? Plus, I recently came back to XXXX as a customer! They were most unhelpful. Please have them remove this negative reporting. 
Regards, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company called " THE BUREAUS INC '' is reporting on my credit claiming to hold an old debt by XXXX XXXXXXXX XXXX. I do not owe this debt, XXXX XXXX XXXX was paid, so I do not know who or why this still shows. I've tried disputing this with proof of payment to all XXXX credit reporting agencies and no one actually calls to verify the information and remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX ( XXXX  XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX Collection Agency Name : XXXX XXXX ( XXXX XXXX XXXX  ) Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Collection Agency Name : XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Name : XXXX  XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, 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 2023-06-14
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. Systems Inc is reporting a delinquent account on my major credit bureaus that I owe them/this company {$1000.00}. I do not know what this company is. I have never conducted any business with I.C. Systems. On XX/XX/2023, I mailed and faxed written notification requesting proof of contract to substantiate I.C. System Inc 's claim to XXXX, XXXX XXXX XXXX that I am indeed the correct party they are seeking to collect this debt, yet my legal demand has gone unanswered. I.C. System Inc has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

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 2023-02-08
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX credit acpt did not send me proof of puchcase

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 2021-07-01
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've tried opening a case using another email address that I've opened an account with. I received a response that PayPal would not reinstate my account because I have another closed account where I went against terms of service and engaged in risky behaviors. This complaint is regarding my original PayPal account, XXXX. 

Like I said earlier, I only buy and sell sports cards on this account and do not engage in any risky behavior. I would appreciate if PayPal was clearer about what risky behavior I engage in, as I have only legal transactions where goods or services were being transacted. 

Furthermore, when on call with a PayPal employee, I was accused in engaging in activity such as selling drugs, alcohol, illegal paraphernalia. This is defamation, and I can not believe that PayPal would allow their employees to accuse clients of this without any basis whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Avant Holding Company, Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2023 I obtained my balance amount for pay off on an " Avant '' credit card. I paid that amount immediately, & was then charged an additional {$40.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
In XXXX I noticed a collection account on my credit and that it indicated the account was opened in XXXX of XXXX. It indicated the collection was for a balance due for car insurance via XXXX XXXX. I have been insured by XXXX insurance company since XXXX when I moved to XXXX. My previous insurance company was XXXX and before that I had XXXX. Therefore it is impossible for me to have opened any account with XXXX XXXX in XXXX. It has been well over 5+ years since I had insurance via XXXX XXXXl and when I canceled the insurance and went with a different carrier, there was no balance. I requested all credit reporting agencies remove this and that request was denied. This account balance, opened date, all incorrect.

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 2021-02-25
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a paypal account in XXXX XXXX. I sold 1 police/fire scanner and 2 ham radios. It was a total of XXXX that was deposited into to my paypal account. Then tried to withdraw the first amount to be avaliable and had to wait 72 hours. Then account was limited. They requested documentation to remove limitation. 

1 ) drivers licence 2 ) explaination of items and why I sold them 3 ) copies of receipts for sold items. I purchased these items legitiamitly and they are my personal items that i no longer have a use for i explained to them numerous times. A complete runaround. 

I supplied them with all requested documents on XXXX XXXX XXXX. As of XXXX XXXX XXXX my account is still limited and funds are still on hold with no access to them. 

I have called 4 times and you always get told it is going to there back office. You can not talk to a person in there back office to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Scam email came through as I was at the bank. Asked them if it was legit and was told no. It looks very convincing. Below is the email : Dear XXXX XXXX, I am writing to you because I have tried to contact you by phone about an important matter related to your account with PNC Bank and have been unable to reach you. Please give me a call at XXXX as soon as you are able. 



It is important for you to know that this is not a sales call and it is imperative that I speak with you at your earliest opportunity. If I do not hear from you, PNC may move to close your account relationship. 



We appreciate your prompt attention to this request. 



XXXX Customer Outreach Team PNC Bank ( P ) XXXX XXXX The contents of this email are the property of PNC. If it was not addressed to you, you have no legal right to read it. If you think you received it in error, please notify the sender. Do not forward or copy without permission of the sender. This message may be considered a commercial electronic message under XXXX law or this message may contain an advertisement of a product or service and thus may constitute a commercial electronic mail message under US law. You may unsubscribe at any time from receiving commercial electronic messages from PNC at XXXX : XXXX PNC, XXXX XXXX XXXX, XXXX, PA XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are circumventing the law. The credit bureaus are making it almost impossible for the consumer to access our credit files. I have called dozens of time and the system is virtual run around system leading the consumer down a rabbit hole. It is impossible to access your credit reports by mail. The credit bureaus are forcing the consumer to access an online report that has most of the important information missing. The credit bureaus are engaging in misguiding the consumer by not allowing access to your personal files. Please have someone call the numbers to see that this stuff is illegal

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 2021-11-15
Company: BOK FINANCIAL CORP
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX I received a call .it was from scammers that pose as loan company I believe it was XXXX XXXX so chase froze my account due to suspicious activity. Okay that's when I was able to apply for a bank account with Bank Of Oklahoma so I deposit money to my account so every month on the XXXX of XXXX I get call from the bank teller and he tells me that I didn't have any babies I replied yes it do so right then and there I was told that the relationship ends on the XXXX of XXXX I cried about not being able to care for my family of 7years that something u just can't throw under the bus next thing I know I can't get help with money then one of the consumer shows me this report it has all my business for the world to see l was so upset I was not aware of this and nation wide at that I know my rights but this is dead wrong to come across with all my personal information out there for the world to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Global Lending Services LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX, I went to XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, to purchase a XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX Using printouts of applicable State and Federal laws, I explained to the salesperson and the finance rep ( likely an employee of XXXX XXXX per banks ' paperwork ) that due to the process of securitization, I would submit XXXX application only, and that they only had power of attorney / permissible purpose for XXXX inquiry to XXXXXXXX XXXX  because I had already been in contact with their underwriting. The dealership proceeded to breach fiduciary duty and violate state and federal law by submitting my application a total of XXXX ( XXXX ) times to XXXX separate institutions ( XXXX XXXX and Global Lending Services ), and also provided me with an adverse action letter for in-house financing, making XXXX ( XXXX ) total deposits. Global Lending Services received XXXX ( XXXX ) of those deposits, as evidenced by their own correspondence ( attached ). 

The dealership violated their fiduciary obligations and exceeded their powers, which resulted in the deposit of XXXX securities with principal values near {$34000.00} apiece. I was not able to view any of these applications after submittal despite requesting them. 

The Federal Reserve XXXX, which helped establish our current banking system, requires that all applications be approved as long as it's been accompanied by some sort of collateral. In this instance, the " promise to pay '' contained within each application acted as a negotiable instrument and was deposited at the financial institutions in a receivables account per XXXX XXXX XXXX ( g ) ( XXXX ). Since none of these applications were returned to me, and since XXXX XXXX allows for the negotiation of such fraudulent instruments, I assume these deposits were credited. 

As is obvious, the truck was titled in my name before being pledged as collateral within the security agreements. Due to the misdeeds by the dealership and finance rep, I was unable to perfect my security interests and therefore was forced to relinquish the property. 

I returned to the dealership XX/XX/XXXX because the dealership agreed to return the applications, but all I received was the photocopies of my supporting documents. As mentioned earlier, I still have not received my original instruments nor the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are circumventing the law. The credit bureaus are making it almost impossible for the consumer to access our credit files. I have called dozens of time and the system is virtual run around system leading the consumer down a rabbit hole. It is impossible to access your credit reports by mail. The credit bureaus are forcing the consumer to access an online report that has most of the important information missing. The credit bureaus are engaging in misguiding the consumer by not allowing access to your personal files. Please have someone call the numbers to see that this stuff is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My refinance company checked my credit and I was inundated with unsolicited loan offers. I have been receiving so many phone calls it's having a negative effect on my business and it's costing me money.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY 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 2021-04-02
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: Account information incorrect

Complaint:
XXXX  is showing error several error s on my credit report first one is company called XXXX  I've never had XXXX  card or account before dispute several times for it too appear again on my report also shows I have late payments on my XXXX  XXXX card never been late also on my XXXX XXXX shows late never late XXXX  refused too help me.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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