BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: LA
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:
XXXX accordance with the fair credit reporting act XXXX  account # XXXX XXXX # XXXX, XXXX # 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 XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
n accordance with the fair credit reporting act XXXX  account # 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, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: LA
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:
n accordance with the fair credit reporting act XXXX  account # XXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, are you XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 {$0.00} XXXX XX/XX/2023

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 2022-05-27
Company: Consumer Portfolio Services, 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:
Hello, I have filed XXXX complaints against Consumer Portfolio Services XX/XX/XXXX, XX/XX/XXXX due to there being a number of inconsistency with Consumer Portfolio Services. 

1 ) Consumer Portfolio Services is currently reporting on my credit reports that this account is " CLOSED and CHARGED OFF. '' This account Currently states it is " CHARGED OFF '' as XX/XX/XXXX with last payment being made XX/XX/XXXX on all three credit bureaus. 
2 ) Consumer Portfolio Services has reported the " HIGHTEST BALANCE as {$13000.00} XXXX, XXXX, " HIGHTEST BALANCE as {$12000.00} with XXXX ( which has since been removed ) on my credit report. 

I requested a 1099C form from Consumer Portfolio Services to file with my Taxes, a form in which they are refusing to send me, but since this is a " CHARGE OFF '' and was claimed as a income by the " ORIGINATOR ''. I need this 1099C to file with my Taxes and this account should be removed from my credit report immediately. 
Consumer Portfolio Services is constantly refusing to remove this account and all " DEROGATORY '' information from my XXXX, XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
delete the hard inquiries XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX please remove these inquires

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 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed with the bureaus on XX/XX/2022 but they did not remove the items below. Sec. 602 FCRA States " I Have A Right To Privacy '' 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have had an issue with having a payment credited to my XXXX XXXX credit card account. My credit union changed their bill pay system and my original info for paying the bill was lost. I paid XXXX but mistakenly did not include my account number. The check from my account was cashed but I was never credited the payment. XXXX sent me late notices, I responded with the evidence that the check was cashed and I was not credited. This happened in XXXX 2023. I am attaching the correspondence. I disputed with Transunion and Transunion responded that XXXX was correct. I did have a late payment for XXXX as this dispute was going on and I did not realize that I still owed approximately {$30.00}. I just paid that amount {$30.00} ) through my credit union and am waiting for XXXX to cash that check. XXXX reported me late the original amount that I am disputing ( {$200.00} ) and I think for the months of XXXX 2023.

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 2022-12-04
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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed with the bureaus on XX/XX/2022 but they did not remove the items below. Sec. 602 FCRA States " I Have A Right To Privacy '' 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 2023-08-06
Company: Firstsource Business Process Services, LLC
State: VA
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:
Date Sent : XX/XX/2023 Company : XXXX XXXX RE : Account # XXXX - {$670.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On the start of XXXX i paid XXXX then on XXXX I did the same XXXX ... on XXXX I arranged a payment date with them that I was going to pay my car a couple days late ... they agreed and came to pick it up saying I had 3 months without paying it and it was a lie They charge extra fees then they can't explain why. I choose not to get the car. They reported XXXX to my credit and they are just lying my ending balance was XXXX! This loan place does nothing but rob people out of there money they shouldn't be in business any longer and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I paid my credit card balance off in full. Previous to this date I paid my card on time every month. On XXXX, I was hit for a finance charge of XXXX. Given that my card was paid off, I should not have acquired this charge. I was not notified of a balance due through mail or by phone and was not aware of a charge until earlier this month after purchasing a vehicle. I then paid XXXX and sent an email immediately to my company apologizing and asking them to waive the fee. I then went to purchase an item yesterday and found out I have been reported to the credit bureaus for being 90 days past due on my account. I immediately called my credit company to find out what I could do to resolve this. After looking further into this I found I was hit with 2 late fees and interest accrued to XXXX. I was told by the supervisor there was nothing I could do. I am stuck with a ding on my credit report after being charged a finance charge on a balance that I had previously paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: REGIONS FINANCIAL CORPORATION
State: TN
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:
REGIONS BANK HAS MY CREDIT SHOWING ADVERSE XXXX BALANCE MONTHLY PAYMENT XXXX THIS CHARGE CARD HAS BEEN XXXX BALANCE FOR YEARS USED IT ONCE IN XX/XX/2022 RECIVED A STAEMENT IN XX/XX/2022 PAYMENT WAS DUE XX/XX/XXXX I PAID IT SEVERAL DAYS LATE NEVER OVER XXXX OR CLOSE TO. I PAID IT IN FULL XXXX AND RIGHT AFTER PAYMENT RECEIVED A LATE NOTICE CALLED ASKED WHY XXXX SAID NOT SURE YOUR BALANCE IS XXXX AND WAS NOT OVER 30 DAYS NEXT MONTH AND NEXT MONTH AFTER XXXX STILL RECEIVING LATE NOTICES I HAVE RECORDED CONVERSATIONS FROM XXXX REPS AT REGIONS THAT COULD NOT TELL ME WHY LATE NOTICES WERE BEING SENT TO ME, CHECKED MY CREDIT THEY HAVE MY CREDIT ADVERSE SHOWING XXXX BALANCE AND XXXX PYMNT A MONTH. PAYMENT WAS XXXX WHEN I RECEIVED THE STATEMENT AND PAID IN FULL LEAVING XXXX XXXX. REGIONS HAS PUT A FRADULANT DEROGATORY ON MY REPORT. THIS HAPPENED AFTER I PUT A BAD REVIEW ON XXXX. NEEDS NEED TO BE CORRECTED AS SOON AS POSSIBLE THEY ARE RUINING MY CREDIBILITY BY FRAUD THE PAYMENT NEVER WENT PASS 30 DAYS

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 2021-05-20
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:
PayPal has closed my account and will not help me With getting it back up and going i am not sure if this is a Mistake as I assume it has to be. I have not been able to get help From them for months And I feel like they are not doing there job my linked PayPal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company forcing arbitration

Complaint:
Bank of America hired XXXX and XXXX XXXX. to arbitrate a debt without burden of proof. Original complaint was filed XX/XX/XXXX. I, the plaintiff, replied within 20 days requesting burden of proof. Online account statements were sent to me in XX/XX/XXXX. Notification of court hearing was signed by XXXX XXXX XXXX that she certifies that I, XXXX XXXX ( the Plaintiff ) was served on XX/XX/XXXX. I received the notification of court hearing in my mailbox on XX/XX/XXXX. The court hearing is scheduled for XX/XX/XXXX. I replied to XXXX and XXXX XXXX. with a second request for validation sent via USPS express certified mail on XX/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 explanation
Consumer complaint received 2023-11-16
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an email related to a XXXX package being delivered to my address. I received the package and found it to be a JetBlue credit card I did not apply for. I checked with the XXXX XXXX and found that JetBlue Barclay Bank did a hard credit inquiry with XXXX on XX/XX/2023. I called JetBlue and they had, not only my name and address, but my social and DOB. I explained the situation to the representative 1 and I inquired about who had authorized a check on my credit and why had I received the card. I was placed on hold for the Fraud unit ; however, after Representative 2 answered, I had to go through the entire explanation again. Representative 2 advised I would need to speak with the Fraud Unit, advising the their office was closed.

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 2022-11-02
Company: EQUIFAX, INC.
State: NJ
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/2022 I sent my first letter requesting verification of inaccurate accounts on my credit profie to XXXX, XXXX, EQUIFAX. 

I then sent a following up later on XX/XX/2022 requesting an investion into these items. To date i have not recieved a response. I also informed all 3 parties that I will be filing a complaint regarding these matters. Based on not recving the results on the investigation requested each bureau is failing to comply with the with the regulations regarding my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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:
XXXX, XXXX and Equifax is reporting a Bankruptcy on my credit report as the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ( XXXX ), which is false. I have attached the letter from the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, verifying and stating that they do not report to any information to any credit reporting agencies nor do they verify any information on anyone who has filed any type of Bankruptcy through their courts. 
XXXX and Equifax are falsely stating this information on my credit report and has yet to remove this from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation