BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account XXXX and 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 explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i dont know where you keep getting XXXX XXXX XXXX XXXX. I live at XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I need my report to reflect this address. I haven't looked at this report since XXXX. My address was XXXX XXXX XXXX, XXXX tx 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 explanation
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$220.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had scheduled a time for XXXX XXXX to come and do the installation however, their technician was a no-show. I immediately contacted customer service with XXXX XXXX and told them that their technician never bothered to show up and never communicated with me why he was a no-show. I cancelled my service and I was told by the representative at XXXX XXXX since their technician failed to show up for his appointment that cancelling would not result in my owing any money on this account and that this account was in fact closed. I did not know that XXXX XXXX had sent me to collections until I obtained a copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-04-25
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received two ( 2 ) Delinquent Account letters, from the XXXX XXXX XXXX XXXX ( AMCA, Collection Agency ), XXXX XXXX XXXX, Building XXXX, XXXX, NY XXXX. Each of the letters ( last letter did XX/XX/XXXX ) showed differing amounts due for for lab services  received on XX/XX/XXXX. Although, I did have a physicians appt that day, I did not receive any services, which would have involved XXXX XXXX XXXX, the company shown on the collection letter as not receiving payment from me. This information was confirmed with the physicians office, I had an appointment with, on the date of service shown on the Delinquent Account letter received. The physicians office also checked & confirmed they had NOT 1 ) mistakenly billed me for another patients service & 2 ) I had no payment due, from this visit, since it had been paid by my primary health insurance company with the remaining balance paid by my secondary insurance, 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 2021-01-18
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Page 2 Represents the purpose of the Overdrafts fees They also state that the Debit Plus program will cover any fees dealing with insufficient funds. There is no mention of any thing else but that. 
Page 3-4 ( Message Detail ) confirms that I in fact had overdraft fees and not special handling fees They also confirm that I'm currently enrolled in the Debit Plus Program and there's never any mentions of " Special Handling Fees '' Page 5 & 6 are the closest representations to the totally free checking account I signed up for again there is never a mention " special handling fees '' Page 7-9 is from the Bank Vice President who had time to make up false terms and did not know about the communication with the online bank customer help. He contradicted the statement that was said on Page 3 that was seen for their brochure on Pages 2 & 6 about a {$30.00} overdraft fee which was never properly applied to my account since its inception. 
The explanation given that I had " special handling fees '' was a bit of a fallacy and it was the exact same amount as Overdraft Fees which were {$30.00}. He also states I had a full mailbox ( That wasn't true they just didn't want to communicate back with me ) Page 10 on starts the highlighted " Special Handling Fees '' of {$30.00} which mostly include " Continuous Overdraft Fees '' of {$10.00} more to my account. When I first started with my account the online banking would present the {$30.00} charges as " Overdraft Fees '' it wasn't until after the statements came out or days later when the amount charged would not be covered and have the label " Special Handling Fees '' They add in additional funds owed to over {$300.00} to {$310.00} in collections because that would also become a XXXX XXXX history on top of the amount of " special handling fees '' even after the closed out amount on my account was {$280.00} and they never covered a single overdraft.

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 2022-04-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Upon viewing my Credit Report I noticed several inaccuracies. So I filed a Police Report with the XXXX XXXX Police Dept. on the date of ( XXXX ) Report XXXX : XXXX. I attached this report with disputes & sent them to the credit bureaus ( Equifax, XXXX, XXXX XXXX ). Unfortunately I have yet to receive a response. 

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 u.S.C. 1692 ( XXXX XXXX XXXX Collections XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

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

15 U.S.C. 1692 section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 section 806 section 5 XXXX a phone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am writing to request a correction of an error, whereby my account was penalized with late payment for the months of XXXX & XXXX. Because of current global health crisis & being furloughed from work, I elected to use the forbearance program, which enables people to defer their payments for up to 180 days. In my case this period wouldn't be ending until the end of XX/XX/2020. In addition the property that the mortgage was held for XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX was SOLD in XXXX as my attorney ordered a pay-off and closed in XXXX ; therefore, the property was longer under our ownership. 

Please make the necessary corrections by deleting all late payments against my credit report IMMEDIATELY! You made a wrongful error against myself, since NO payments were late or required to be made as stipulated by the forebearence Program. I value my name like my credit. So I urge you to rectify this unnecessary error ASAP!!! 

XXXX XXXX is known for doing bad practices of this nature. If this matter is not rectify 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 2021-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My problem with 2 Banks : -1- XXXX XXXX  XXXX Bank of America i , m lost between them - i sent before complain ( CFBP XXXX against XXXX XXXX ) no solve - now i would like the both banks contact together see my problem, one bank say my check is cashed and another bank say it is returned i have checking acc., with XXXX XXXX and I have credit card with Bank Of America my account with XXXX XXXX  XXXX - i, m afraid to write my credit card here ( please call me to give the number to you or my full name on bank of America credit card is XXXX XXXX XXXX XXXX last 4 digit XXXX XXXX please read my XXXX com [ lain ( XXXX ) and i complain the both -i need them to make investigation or talk together now my money lost between them - and I have late all my payments - please i woauld like to ask XXXX XXXX  contact and communication with Bank of America or Bank of America contact or communication with XXXX XXXX i have two letter from them one say it is cached and another say it is returned to them

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern : I have filed a previous complaint with XXXX, Transunion, and XXXX with no response. Can you please assist me in fixing the error. 

These are the facts : I sent letters to the credit bureaus multiple times inquiring about the removal of these unauthorized inquires Items were submitted on XXXX and various other dates. After pulling my report today I am seeing these items are still here. Can you please assist in getting the credit bureaus to respond and assist with taking care of these matters per the Fair credit reporting 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 non-monetary relief
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2021-01-18
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 status incorrect

Complaint:
I settled the XXXX  with account number XXXX XXXX XXXX XXXX. This account has been paid in full.

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 2023-05-05
Company: EQUIFAX, INC.
State: MS
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$53000.00}, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion is reporting my personal non public private information as a consumer credit profile without express written or verbal consent which is in fact identity theft. I asked them to cease reporting of my personal information and was denied. They continue to report anyway pursuant to 15 usc 1681 this is illegal and they are reporting knowingly and willing false and misleading information.

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 2020-08-03
Company: Paypal Holdings, Inc
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used PayPal to make a purchase for a XXXX on XX/XX/XXXX. The total of {$110.00} was taken from my account. I never received the item. I reached out to PayPal to make a claim on XX/XX/XXXX. I let them know I never received any tracking information and did not receive the XXXX. On XX/XX/XXXX Paypal had a XXXX tracking number on the order. I went to XXXX to look up the tracking number, it said it was delivered on XX/XX/XXXX under the carport. I have no carport at my residence so I filed a claim with XXXX. I messaged PayPal that this wasn't delivered and I was asking for a refund. I have tried to speak with an actual person at PayPal to no avail. They denied my claim because they were given a " tracking '' number. Every time I message PayPal on this matter they automatically close the claim. As of today I still have not received the XXXX and had no actual help from PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To The CFPB, Paypal illegally took back and placed on " hold '' a payment made by XXXX " XXXX ''. This is the second time she 's filed false claims about me to PayPal. I have provide full irrefutable proof that " XXXX '' is lying and PayPal continues to keep my money on " hold ''. This letter I 'm providing to the CFPB explains this situation in detail. Paypal should be held responsbile for this action and liable for any charges I incur for their stealing this money from me and placing it on " hold ''. 

Paypal You ca n't " hold '' my account based on XXXX 's false claims. You records will show that this is the 2nd time she ordered services and then demanded a refund after receiving the services. The last time she did this I refunded to her. She sent the money back to me and then contacted Paypal telling them that I did n't send the money. Your records will show that I did send her that money. I sent that money the last time because I was recovering from an auto accident and could n't help her. 

Now let 's talk about this present complaint which is the 2nd time XXXX has fabricated false claims against me. In this case she willfully chose a 3 services discounted offer where she has received 90 % of that offer. There 's no way she can hold the amount she paid as she 's already received the services. All that was left was the phone consultation which I offered this Wednesday.XXXX was angry that the XXXX XXXX advised her to be patient and work on herself before considering dating. XXXX also got mad at this and attempted to cancel this offer which ca n't be done. I told XXXX that I am available for the final {$10.00} ( not {$15.00} as she paid {$10.00} ( discount ) for the Phone consultation ). She did not pay {$15.00} and can not demand {$15.00} as she 's demanding. 

This is an XXXX XXXX service. Everyone knows that. It 's XXXX who gave the questions. I just read what the cards say. Everyone knows this. XXXX did not like the answers the XXXX gave. Her XXXX XXXX took me about 4 hours to do. With in 20 minutes of receiving her XXXX XXXX ( which takes at least XXXX to listen to and more hours to obey what the chart tells a person to do in their life ) XXXX was complaining. 

The work has already been done. She ca n't order the work, receive the work and then damage my income or my name with totally false claims. The only fee left is {$10.00} ( phone consultation ) not. XXXX  didnot pay {$15.00} for this phone consultation. She paid the discounted fee of " {$10.00} ''. I told her this is available whenever she 's ready. I did nothing wrong and am entitled to the full {$40.00} minus the PayPal fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a chime account open & on XXXX XXXX @ XXXX I had {$90.00} in my savings & {$5.00} in my spending account. My transactions were disabled & I did not make any transactions until the next morning when I was about to transfer some of the {$90.00} to my spending to purchase food. I noticed all my money is gone {$95.00}. Under transactions it says it was Transferred to a friend by the name of XXXX XXXX who banks with Chime as well. I reached out to Chime to file a dispute and let them know the transaction was unauthorized. They requested me to fill out and email an Affidavit form I did so & I havent heard back from Chime since. I googled to see if anyone else faced this problem & there is a whole review page https : //www.depositaccounts.com/banks/reviews/chime.html of people currently and previously facing this exact same problem & are loosing a lot of money. My transactions were off which means the money shouldnt have been able to transfer to anyone. In addition I didnt receive an email or phone notification as I normally do when I make a transaction. Lastly I have not even set up the feature to allow transferring money to others who bank w chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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