BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently reviewed my credit report and I have noticed several late payments on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

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 2022-12-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't recall applying for credit or employment with the companies listed. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter XXXX at http : //www.ftc.govXXXX XXXX " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: MI
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:
Reporting double accounts credit reporting agency did not verify that is trying to be collected under 2 different accounts Not reporting accounts being sold nor reporting account XXXX balance once sold. Last date of payment untrue. Will not provide proof of any verification of 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 non-monetary relief
Consumer complaint received 2019-10-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My agent contacted IQ Data on XX/XX/2019 about XXXX XXXX and spoke with a XXXX XXXX. My agent had requested the correct information be sent being that IQ Data sent another persons information from XXXX XXXX which was completely unrelated to my name, or my spouse. They sent another parties information thats very personally from a rental agreement. Please see attached information. 

My agent sent our POA over to speak on my behalf and my agent requested the right information. My agent also requested why I did not get my right to dispute any debt with their office as allowed under FDCPA regulation with 30 days before reporting to all three credit reports. XXXX from IQ Data claimed it was mailed to me. I never received any debt collection notice to my address prior to IQ Data reporting a debt to all three reporting bureaus. XXXX got mad at my acting authorized agent and would not send any information requested by my agent. My agent requested proof of that letter, proof of a phone call between me and IQ data that never happened. 

My acting agent requested to speak with a supervisor and the supervisor was also uncooperative in sending the correct documentation and proof of the debt. 

Later after the conversation took place IQ Data sent a rental agreement with my information but not evidence or proof of the debt belonging to me or how the debt was accumulated or proven to be my debt. I feel there is several issues here. IQ Data is  acting in bad faith by sending the wrong information of another client unrelated to me. Also, I never received my right to dispute a debt in their office prior to being reported to all three credit bureaus under FDCPA regulations. Also, I feel my character is being damaged and a debt is being held over my head that can not be proven it belongs to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
As one of the benefits of Chase Sapphire Preferred is travel interruption/cancellation insurance, I purchased an airline ticket with Chase Sapphire Preferred . As my travel was canceled due to a covered reason, I filed the claim for travel interruption/cancellation with Card Benefit Services in early XXXX and provided all the necessary documents almost three months ago. Yet, Card Benefit Services has not processed the claim and upon my repeated inquiries continues to state it would take five business days. Multiple times, they continue to ask me to submit documents that I had already submitted, yet I comply each time and submit those documents again and again. Nevertheless, Card Benefit Services continues to state it would take five business days even though I had submitted all my documents almost 90 days ago. 
Upon checking with XXXX XXXX XXXX, I learned that this is their Modus Operandi to continue to ask things that are either impossible to obtain or simply delay until people get frustrated and quit pursuing the claim. With Card Benefit Services ' atrocious XXXX XXXX  rating, and hundreds, if not thousands, of legitimate complaints filed against them with XXXX XXXX XXXX, they find it most beneficial to ignore customers ' complaints and just continue to sit on their claims ; they do not even bother to deny, so the customers could file an appeal. 
I wrote to Chase Card Customer Service twice to see that their card benefits are honored and customers ' claims are processed in a timely fashion, yet Chase has not taken any meaningful action. They refer me back to their Card Benefit Services and Card Benefit Services do not respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, my husband and I called a servicer provided on our exit counseling information to discuss payment options. We were advised the Spousal Consolidation Loan would be our best option, as it would allow us to have one interest rate and one payment. We were not provided the option to consolidate into a Direct Loan and were given an FFEL Spousal Loan through XXXX. In XXXX, Congress banned these types of loans. In XXXX, PSLF came into existence. In XXXX, I joined a public service organization and tried to consolidate my loans into Direct Loans ; however, because it is a spousal loan, the Dept. of Education would not accept the loan type. During this period, my loans were transferred to MOHELA. I was told my best payment option would be IBR, which I signed up for, because it would give me access to student loan programs. However, this move means I now owe just {$3000.00} less on my loans than when we started. Because it is an FFEL Spousal Consolidation Loan, we do not qualify for any student loan programs provided to Direct Loan borrowers. I qualify for PSLF, but I can not access that program. Additionally, I did not get any reprieve during COVID. I have now moved to a standard repayment option because I could not afford my payments, can not qualify for any program relief, and will pay these loans beyond retirement. I feel the push into spousal consolidation loans was a predatory practice on young, married couples.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2019, Citizens Bank was notified by me that I desired no charges to be approved via the debit card if funds are not available. On XX/XX/2019, I discovered that not only did Citizens approve a charge that would cause an overdraft, but they also then charged an overdraft fee even knowing they were well informed not to approve charges that would cause overdrafts. Upon requesting them to rectify their error and refund the overdraft fee, Citizens Bank has refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for my account at XXXX XXXX, Account Number XXXX Pursuant to FDCPA " Late payments must be verified/ validated prior to them being placed on your report '' so Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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 2022-06-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I've sent several letters including the last letter on XX/XX/2022 regarding inaccurate information reporting on my credit and to this day which is almost 60 days I have yet to receive an response. My letters are clearly being ignored and the I feel like I'm being taken advantaged of at this point. My next step is to file a complaint with the federal trade commission and XXXX. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I do not want these items updated. I want them deleted immediately. I will file litigation if they are not deleted from my credit report because of the stress that it's caused.

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 2019-10-18
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Because I filed a complaint ( XXXX ) regarding my personal loan issues Discover is now retaliating and not allowing me to use my Discover credit card. This is appalling and unacceptable! They worked in competence and when they elected to ignore the problem they created, I filed a complaint. They need to explain why they were not being truthful with your company and the previous complaint should have been resolved long ago. I made my payment on-time and my credit union have provided documentation that I have faxed over to Discover to prove their error. Now, why are they trying to prevent me from using my credit card? That personal loan account is up to date and all payments were made and are made in a timely manner, including my credit card payments. I am seeking a resolution to their bullying, not just any response. They have integrity issues just a response is not sufficient. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am writing to file a formal complaint regarding the persistence of inaccurate information on my credit report, specifically an incorrect address and an erroneous collection account. 

Despite multiple attempts to rectify this matter, the credit reporting agency has failed to remove the inaccurate information. Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to have inaccurate information promptly corrected or removed from my credit report. 

The incorrect address listed on my credit report is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX I have made diligent efforts to contact the credit reporting agency via mail to rectify this situation. However, these attempts have gone unanswered, and the incorrect address persists on my credit report. 

Additionally, I have reported an erroneous collection account by the name of XXXX XXXX XXXX, and despite my multiple attempts to have this removed, it remains on my credit report. I have records of these disputes and the requests I have made. 

I request the immediate removal of the inaccurate address and the collection account named XXXX XXXX XXXX from my credit report, in compliance with the FCRA provisions. 

Enclosed with this letter, please find copies of all relevant documentation supporting my claim, including proof of my correct address. 

I urge your prompt attention to this matter and request your assistance in resolving this issue swiftly.

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 2023-02-12
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter was mailed to me XX/XX/XXXX from Debt recovery solutions llc. ( I would have received it a few days later. I wrote a debt validation request on XX/XX/XXXX and mailed it which was within my 30 day time frame asking them to validate the debt. I received absolutely nothing to validate the date from them. I received a notification that a collection was added to my report. I suffered tremendously through covid as many did. My husband passed away from covid and I went into debt. I have worked very hard to rebuild and am a single mom who scrapes to make ends meet but I have not missed any payments on my credit. I asked for validation for that debt and they did not respond. It is unfair they neglect their responsibility but pursue hurting someones credit without following the law. I had taken a picture of what I wrote and the addressed envelope before I mailed it out. Please help me. I did attach a picture of the letter I sent with it dated for the validation to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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:
I revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Support Team, I am writing to appeal the permanent limitation placed on my PayPal account. I believe that this limitation was made in error, as I have not violated any PayPal policies or terms of service. 

As a responsible and law-abiding user of your platform, I have always followed the rules and guidelines set forth by PayPal. However, I was surprised to receive notice that my account had been permanently limited without any prior warning or explanation. 

I would like to request that PayPal re-investigate my case and consider restoring my account if possible. I am confident that a thorough investigation will show that I have not engaged in any activity that violates your policies. 

Furthermore, I would like to assure you that the email address associated with my PayPal account is XXXX. I kindly request that any communication related to this matter is sent to this email address. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. This complaint is in response to the false information you submitted to the CFPB on XX/XX/2018. In your response, you stated that you mailed an initial collection notice to me on XX/XX/2018. Apart from your harassing telephone calls, the only letter I received from FMS in XX/XX/2018 was dated XX/XX/2018 which I received on XX/XX/2018. Upon receiving said letter, I immediately responded with my XX/XX/2018 in which I clearly requested debt validation. FMS received my XX/XX/2018 letter on XX/XX/2018 at XXXX am. Despite this, FMS called me several times in violation of the FDCPA. Since my XX/XX/2018 letter requesting full debt validation, FMS did not contact me before XX/XX/2018 when XXXX delivered an envelope containing a SINGLE SHEET OF PAPER ( copy attached ) with my name printed thereon. This meant absolutely nothing to me. Presumably, FMS classified this as debt validation. I would like to make it absolutely clear that I AM STILL AWAITING FULL DEBT VALIDATION from FMS coupled with the legal basis it has to collect a debt from me. 

2. FMS clearly has been relentless in its attempt to collect an alleged debt that it not validated, can not validate or is refusing to validate. I do NOT owe any money to FMS whatsoever, nor do I owe any money to the University which FMS is purportedly collecting the debt on behalf. 

3. FMS contacted me by telephone and refused to identify themselves but had the audacity to request my personal information. I am a victim of identity theft and my personal information has been compromised as confirmed by the US Office Personnel Management. It amazes me that FMS alleges that it could NOT disclose account information to me, but yet, went ahead and reported a derogatory account on my credit reports without verifying my identity and/or validating the alleged debt. 

4. Contrary to paragraph 3 of FMS uploaded XX/XX/2018 letter, I have not received any XX/XX/2018 and/or XX/XX/2018 letters in the mail. 

5. Furthermore, the meaningless sheet of paper submitted is NOT DEBT VALIDATION. Attached herewith is a final letter requesting FULL DEBT VALIDATION, but not limited to, before this matter gets litigated. I trust that this issue can be resolved without the need for litigation. 

6. You are required to delete this erroneous and invalidated account information from my credit report. I reserve the right to sue for each violation for an amount equal to or up to the statutory cap of {$1000.00} per violation, excluding defamation and damages. 

7. I EAGERLY AWAIT DEBT VALIDATING WITHIN THE STIPULATED DEADLINE OF MY XX/XX/2018 LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THESE ACCOUNTS WERE OPENED ILLEGALLY WITHOUT MY CONSENT. I NEVER SIGNED A CONTRACT WITH ANY OF THESE COMPANIES. 
XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX XXXX {$850.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXXxxxxxx XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX {$6200.00} 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer the consumer identifies as information that is from an alleged identity theft, no later than 4 business days after the date of receipt. It has been more than 90 days and you are in violation of the law because 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 non-monetary relief