BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: Frontline Asset Strategies, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had a collection company call me after 13 years to collect a debt I have not heard about until I just started the home buying process. Its like they are monitoring your credit and use that info to extort the money from you. Not to mention they call from a local number when they are actually in Minnesota

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$17.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-07-12
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX XX/XX/2020 I took my vehicle to its regular service and a few days later my service light came on stating it had Low or no oil at all the service performed and the vehicle shut off by itself and took it back to the dealer, & they claim someone else has put hands on my vehicle which all services has been done there and my self and the dealer should have physical copies of all services done. From that, they claimed that the engine block went out and needs replacing after they had just serviced the vehicle for that, & I have pictures of this incident

Company response to consumer: Untimely response
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/XXXX contacted transunion stating XXXX XXXX is reproting incorrect information. 
Contcted XXXX and XXXX as well. All 3 XXXX XXXX loan accoutns were discharged through XXXX. XXXX XXXX has refused to comply with Credit standard and states this is a charge off in stead of included in bankruptcy. extended date to remain on credit report from XX/XX/XXXX to XXXX XXXX with this being inaccruate information it is to be removed from all thre credit rerpotong agencies. 

This has caused a lowering of my credir score. 
XX/XX/XXXX applied to XXXX credit was denied ststing I hsve a credir score from Transunion of XXXX. This is incorrect it shold be XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not supplied proof the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 sw 715. 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Though I opened the credit line at Dillards store, with forced promotions, I did a purchase with this line only the day of opening. Then after a bunch of transactions were made on this account without my knowledge. My credit limit was {$300.00} when I opened it, then after changed to {$900.00}. And it says only in store purchase. I didnt even received my credit card. As I seen from the sent statement to me, about {$7800.00} was used within a month. I called my creditor multiple times after I received alert that my credit had charged with multiple transactions. When I called them even they couldnt pull out my account with my phone number, except with my social security numbers. Though I disputed multiple times I do not see any changes on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony bank XXXX Furniture store Account opened on XX/XX/XXXX by merchant without providing full disclosure of terms and conditions Gave misleading information about furniture financing Order was canceled Calling bank since XX/XX/XXXX to report the account Filed a dispute on XX/XX/XXXX Bank replied- pls work with your merchant for a solution Merchant submitted forged documents refused to give a refund

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 2022-07-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal Holdings , Inc. XXXX XXXX, California USA limit my account on XXXX XXXX XXXX XXXX  without showing any reason and hold my XXXX XXXX balance in it. Shown me notification that Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds.

Then on XXXX XXXX XXXX they deducted XXXXXXXX XXXX as fee without any reason. 
My balance was showing till XXXX XX/XX/2022. 
On XXXX XXXX they deducted my entire balance available in my account by name of damages caused and showing XXXX balance. 
Paypal should give my all balance in my paypal account which they held without any delay, due to this activity I suffer business loss .Paypal mentally hrassment me, if there damage occur why they not deduct it when they limit my account, so that I could not wait for 180 days in expectation that I will get my money, it's completely scam, fraud and mental hrassment. 
Please help me to get my money back from paypal. 
I sent email to refund my money on XXXX XX/XX/2022 but get no response by paypal. 
My paypal id is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Attached is a police report from the XXXXXXXX XXXX XXXX The following Reported Information, Inquiries Viewed By Others and Only By Me currently listed and showing on my Chex Systems Consumer Report ID : XXXX are fraudulent, unauthorized and not my reported information or inquiries : XXXX XXXX XXXX, XX/XX/2023, {$960.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to dispute an account ( XXXX - XXXX ) on my report on XXXX/XXXXXXXX. This company never sent a 1099 as well as furnished MULTIPLE discrepancies on report including date of last payment, last active etc. The account was charged off but there was still a past due balance. They stated the information was verified but was not able to produce how the information was verified. This company was also inaccurate with my payment HISTORY. I disputed this account with all 3 bureaus and urge this account be deleted for violating 15 usc 1681eb.

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 2022-12-12
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
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: Personal information incorrect

Complaint:
My personal information is 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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

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 2022-09-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am charged XXXX interest with PayPal Credit and am paying off one of their loans. 
I set up 2 payments for {$150.00} one to clear right away on XX/XX/XXXX and one to clear on XX/XX/XXXX or so to get more payments on the loan to eliminate it. 
I had to cancel the XXXX payment and they cancelled both. 
I was charged a XXXX fee for a XXXX payment, which again due to their bad website triggered two cancellations. 

I would like to get the fee reimbursed to 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 monetary relief
Consumer complaint received 2022-09-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX 2021 I was reviewing my credit report and noticed that there had been a collection reported on my credit report in error. Portfolio Recovery Associates XXXX in the amount of {$340.00}, Added a derogatory mark on my Credit report per XXXX Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. 
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine. According to FCRA, Portfolio Recovery Associates has violated my rights as a consumer and I am requesting legal action to remove/delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX TransUnion and XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-04
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
HI, This is very simple yet very frustrating. I have a XXXX XXXXXXXX XXXX credit card that has a XXXX XXXX program. I redeemed exactly XXXX points for an accessory. The accessory came and my son didn't want it so I returned it to Ford. The product wasn't opened or used. Ford took the return. That took awhile to process but they did. Even though all the disclosures say your points will be returned, it appears they are not knowledgeable in how to do this. I had two long calls with Ford XXXX about this and with a lot of apologies to me but it's incredible I can't get my XXXX points back. These points were earned from the XXXX XXXX card. I just want my points back. Nothing more, nothing less. I returned the product back in XXXX. It's XXXX and the points have not been returned. It's very scary as a consumer. Do they just yes you and tell you there are delays so you give up? I don't want to give up. I returned the unopened product months ago. Why has the points balance not been upgraded? Why do they tell you they can return your points, but you never get them. XXXX  points are a XXXX XXXX. It's like currency. Very disappointed. It's now more about the principle than anything else. 

My XXXX XXXX card ends in XXXX I hate putting my full card number online. Also, when I submitted this it says XXXX XXXX That's my deceased father. Years ago I put a complaint in for him on his behalf. I guess my email is tied to that. My name is XXXX XXXX. I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$8500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief