BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 2022-11-08
Company: Experian Information Solutions 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:
The company refuse to remove inaccurate information that's leading to poor credit score.

closed accounts. account fraud and some not belonging 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 explanation
Consumer complaint received 2018-08-20
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Southwest Credit Systems has been attempting to collect an amount of {$84.00} for the past month and has now negatively impacted my credit by reporting a delinquency to the credit bureaus. I did not receive any calls, emails, or mail about it -- I learned about this from a credit monitoring agency. I called Southwest because I could not tell what this debt was for or who was claiming I owed it. They told me it was from XXXX for a charge from 2015. Apparently both they and XXXX were mailing information to the old address where I used to live and received the service but have not lived since 2015. I was never delinquent on a bill so I don't know where this is coming from. I have not seen any mailings informing me of this debt, and I do not think I have received any calls because no one has left a message. 

Southwest mentioned -- and I do remember -- that a couple years ago, a different collection agency attempted to collect some XXXX-related debt from me, though I do not remember the details from that event. I believe I filed a complaint at the time because I similarly did not recall being delinquent on any payment, let alone one from so long ago. 

I do not know why this has arisen and I do not know why it is suddenly an issue over three years after I moved from this address and closed out this account. I do not have any documentation because 1 ) this was from three years ago and 2 ) I closed the account because we were moving away from the address so I do not know why either Southwest or XXXX was sending me mail there, as they claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away 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 non-monetary relief
Consumer complaint received 2018-10-26
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
An individual who describes himself as " Mr. XXXX '' of XXXX XXXX   keeps calling my daughter both at her home and at her work place and refuses to stop calling even after she has advised them that I do not live at that place, nor do I work at that place and that I do not receive telephone calls at the numbers that " Mr. XXXX '' is calling. When my daughter does answer the phone, and after she tells the caller that I do not live there, that the phone number is not my telephone number, the caller nevertheless tells her he is calling regarding a debt and that I must return his call immediately. When she does not answer the call, he leaves a voice mail message that identifies me by name and leaves the following message on her voice mail ( the message below has been forwarded to me by my daughter from her smartphones translation of the voice mail ) They call my daughter at her home at least twice every day. 

" This message is for XXXX ( last name appeared in the voice mail, but has been removed by me ) and relates to your business with XXXX. Itwould be  in your best interest to call me with the name of your attorney and their phone number. If you're not being represented by an attorney. I highly recommend that you contact me directly so we can discuss your situation and the options that are available. I will be in my office today until XXXX XXXX Pacific Standard Time and I can be reached at XXXX extension XXXX. If I do not hear back from you today XXXX I'll have to assume that you have no intention of contacting my office and I will proceed with actions that will directly impact you. Once again my phone number is XXXX. '' ... more. Please listen to your voicemail for the remainder of this message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed two different accounts from two different companies ... seperate letters ( placed in the same envelop ) that are being handled by Portfolio Recovery Ass. These letters were sent via certified mail USPS on XX/XX/18 and were delivered and signed for at Portfolio listed address on XX/XX/18. One account they state has an outstanding balance of $ XXXX..the other account they state has an outstanding balance of {$1000.00}. In both letters I clearly ask for vaildation of any signed documents by me that state anywhere where I owe/agree to pay them any amount of money. More than 30 days have passed and they haven't responded to my request for this very specific documentation. Also they have failed in that same 30 day time frame to report these accounts as disputed with any of the 3 agencies they are reporting to. These are clear violations of the FCRA, whic is in place to protection us from companies like this. All the information is inaccurate with these accounts. They even list these collection accounts as " open '' with 2 of the 3 burenas..this is just wrong. I want both of these accounts deleted ASAP from all 3 credit reporting companies, as well as them agreeing not to sell these bogus accouns to another agency. They have failed to do the easiest things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/XXXX, a bank holiday, this writer, XXXX  % owner of XXXX XXXX XXXX XXXX XXXX, deposited a client 's check ( XXXX XXXX on XXXX XXXX XXXXXXXX ), made out to XXXX XXXX XXXX in the amount of XXXX in the Wells Fargo Bank ( WFB ) ATM, XXXX XXXX, XXXX XXXXXXXX XXXX. Expected funds should have been released but were withheld, and after a visit with a XXXX XXXXXXXX ( XXXX ) on XXXX XXXXXX/XX/XXXX. I was given no reason for not releasing the funds. 

On this date, XX/XX/XXXX, WFB released {XXXX of the XXXX deposited on XX/XX/XXXX. A message on the online WFB webpage advised that the remainder of the funds, XXXX, would not be released until XXXX  XX/XX/XXXX. The meeting at WFB, XXXX  XX/XX/XXXX with my complaint, had WFB release the remaining XXXX} this date, XX/XX/XXXX. However, fearful of checks not clearing the XXXX XXXX XXXX account, XXXX  was borrowed from the credit line. 

This is a blatant case of the bank stealing money from a long-time small business client, the subject account opened in XXXX. 

XXXX Wells Fargo Bank, 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 2023-03-15
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I signed up for a Venmo account because I needed to send my sister money! The transaction was denied every time! It states numerous places on Venmos website, on its app and a simple XXXX search, that you can use Venmo without having to verify your identity but have limitations on your account that verified members dont. I was sending {$100.00} it was nothing huge and it was denied! I reached out as to why and was rile to try again and then an email came saying my Venmo account was frozen because they needed to verify my identity. It states that a payment over {$300.00} a withdraw over {$1000.00} or to hold a balance in Venmo would require to when your id verified. I was sending {$100.00} and not meeting any of those thresholds so based off the information that they provide, I wouldnt need to do that. They asked for a copy of my license, i responded back that I didnt need to provide it, because no transaction I did or tried met the criteria! I attached the articles to the email and sent it and they wont even acknowledge it. This isnt the first time Venmo has been misleading with consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Parag
raph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in 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 2018-10-26
Company: EQUIFAX, INC.
State: WV
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. Accounts and inquires are fraudulent and I have asked them to remove from my credit report numerous times. I have provided documentation and yet they still refuse to remove. Ssn XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
J. P. Morgan Chase Bank failed to file a Creditor 's Claim with my late husbands Estate and collected {$1.00} XXXX on an {$870000.00} deceased 's debt. The Estate was probated in XXXX XXXX Superior Court as Probate Case Number XXXX in or about XXXX. Then, on or about XX/XX/XXXX, J. P. Morgan Chase Bank evicted yours truly, the deceased borrowers widow, from the home where Id lived 27 years, making me homeless. On XX/XX/XXXX, Chase collected {>= $1,000,000} XXXX XXXX million-eight XXXX XXXX dollars XXXX when they sold my home for more than double the original loan amount to pay off my late husband 's XXXX refinanced predatory loan amount of {$870000.00} XXXX XXXX Hundred-seventy XXXX XXXX dollars XXXX. Chase Bank knew or should have known that they were required to file a Creditor 's Claim with the Estate. They knew the Borrower was deceased. Shortly after my husband 's death, J. P. Morgan Chase filed a Lawsuit against the Estate, and dismissed the lawsuit voluntarily, soon after its filing. Therefore, Chase was fully aware that a legal debt was no longer owed to them with the demise of my late husband, the sole Borrower, particularly when no Creditors Claim had been submitted and approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XX/XX/XXXX I submitted a letter to XXXX to ask them to explain why XX/XX/XXXXpayment reporting is showing 90 days late in which the account suppose to be in forbearance status. When I contacted them back in XX/XX/XXXX to ask them that due to financial hard time I would like to put my account in forbearance status until my personal situation change. They approved my request and I was told that they will " back date the forbearance so it doesn't appear late to the credit reporting agencies ''. I have requested recording and documentation showing proof that they stated they will back date the forbearance. I haven't received any documentation transcript or documentation of my request. Also XXXX  is reporting a 90 day late on XX/XX/XXXX, but the XXXX and XX/XX/XXXX is reporting current. How is that? XXXX is not cooperating with my request I would like to receive the transcripts of the conversation n that took place in XX/XX/XXXX about backdating my forbearance so it doesn't appear late. XXXX  haven't provided me with verification of the conversation. I was promise that they will approve the request.

i

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 2023-01-01
Company: Payfare International Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX XXXX I received an email stating a temporary 24 hour block had been put on my XXXX card. The block was not removed after over 24 hours. Contacted support and they said they could not fix it because the department who could was not in the office. The email stated to call support to have the block removed but did not list specific hours you had to call during. Was told someone would call me. They did not. I called multiple times and was given conflicting information about the appropriate departments hours and was again told no one could help. 
The initial claim of a 24 hour block was a lie and the solution in their email was also a lie. I can not access my earnings and earnings were not deposited ( which per the email should not have been affected ) The company has lied to me and is withholding access to my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-02-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
HSBC sends various promotional and survey emails stating they are important account information when they are not. There is no unsubscribe link to unsubscribe from these messages that are clearly survey or marketing emails under the guise of important account information and hence dont contain the unsubscribe link.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Uplift, 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: Information belongs to someone else

Complaint:
In XX/XX/2022 I received a notification from my credit monitoring service ( XXXX ) that a new loan had been opened in my name from a company called Uplift. Upon doing research, I found that this loan was for a vacation rental or trip through XXXX XXXX. I was able to cancel the trip and was also able to successfully dispute charges that hit my my bank account for this loan. I notified uplift in XX/XX/2022 that the account was not mine, that despite having an XXXX XXXX fraud alert on my credit they never contact me, and I also provided a copy of a police report that I filed for identity theft. Uplift has still hit my credit for a charge-off for this loan as of XX/XX/2022 despite submitting the police report and making them aware via email that this account was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern- I am victim of IDENTITY THEFT.

As a result, There was an account FRAUDULENTLY opened in my name with ALLY FINANCIAL.

This is one of MANY accounts that was obtained as result of such.

Ive provided documents of such, that being, my POLICE REPORT & VICTIM ADVOCACY documents.

Ive contacted both the CREDITOR, that being, ALLY FINANCIAL and ALL CREDIT BUREAUS advising that this is not my debt.

LATE PAYMENTS & NEGAITVE information from this fraudulent account is NEGATIVELY impacting my credit score.

It is UNFAIR to me to have an account that was opened as a result of FRAUD continuously cause a NEGATIVE IMPACT on my life.

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