BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXX  XXXX Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: MI
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:
Bankruptcy and it was only deleted off my equivalent report not experian and 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 2022-05-30
Company: Paypal Holdings, Inc
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I sent money through PayPal that was a gift but PayPal charged a 3.49 % fee-for-service transaction fee. 

On XXXX I sent {$3.00} as a gift to test the transfer. Later the same day I sent {$4100.00} as a gift, but the PayPal dialog box defaulted to " payment for services '' and I did not notice. PayPal charged {$120.00}. 

I filed an online dispute with PayPal on XXXX that was denied on XXXX. Also on XXXX, I called PayPal and spent 33 minutes on the phone with customer service. I ended up with supervisor XXXX at extension/employee number XXXX. She could only say " It can not be done. It is not our policy to issue a refund. '' She said her supervisor was XXXX, that XXXX was not available, that she could not tell me any way I could contact him. She told me to ask for a refund of the {$4100.00} from the recipient through Paypal, but that PayPal would keep the {$120.00} regardless. 

I received a confirmation email from PayPal that the recipient would receive the entire {$4100.00}. This was a false statement from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid 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:
I received a bill from Comenity in XXXX for {$100.00} for charges I did not make. There were 11 transactions made all on XX/XX/XXXX with the description XXXX XXXX XXXX XXXX. I did not do anything when this was received as I am not familiar with Comenity and do not have an account or card with them and thought this was a scam. XXXX I received another bill from Comenity now {$130.00} as they added on a late fee & interest to the bill. XX/XX/XXXX I spoke to a representative at XXXX XXXX XXXX XXXX and they told me Comenity is a bank and they showed an account with them from XX/XX/XXXX and I would need to file a dispute with Comenity. XX/XX/XXXX I contacted Comenity and was told this credit card was XXXX and in XX/XX/XXXX transferred to Comenity. We never received a card from Comenity and thought we cancelled the XXXX card. We cancelled the Comenity card then and filed a claim with Comenity. Was told to make a Fraud report to the Federal Trade Commission and their website directed me to the Consumer Financial Protection Bureau. I am still waiting confirmation of the closed account and outcome of the claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX High balance of {$450.00} from XX/XX/XXXX toXXXX ; {$500.00} from XX/XX/XXXX XXXX ; {$520.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX High balance of {$1600.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX ( Balance {$370.00}, Balance {$1400.00}, Balance {$490.00}, Balance {$370.00} ), XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX & XXXX XXXX Balance {$160.00}, XXXX XXXX XXXX XXXX XXXX Balance {$82.00}, XXXX XXXX XXXX IN XXXX Balance {$390.00}, XXXX XXXX XXXX IN XXXX Balance {$160.00}, XXXX XXXX XXXX IN XXXX Balance {$160.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$270.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$160.00}, XXXX XXXX XXXX XXXX Balance {$1400.00}, 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 2023-02-05
Company: Resurgent Capital Services L.P.
State: IL
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:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record immediately. Because my laws have been violated!

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX Account # XXXX, Original Account Number : XXXX XXXX. LVNV Funding LLC, Reference ID : XXXX Account # : XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

I am requesting the original purchase agreement that shows they are the legal owners of these alleged debts. Please include all the terms and conditions that are included these purchased agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.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 2021-10-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Under the Federal Government Cares Act, I applied for Forbearance in XX/XX/XXXX & as per the regulation all missed payments must be added to the back of the loan & due to the fact I have an FHA loan The regulation requires that I am entitled to yet another year extension, My Servicer has insisted that they will not honor the comply with the Cares Act requirement & they sent me a demand payment request to pay them the sum of XXXX, Which is a total violation & They have sent me threatening letters, They came to my home & posted Notices on my front door, My Forbearance must end XX/XX/XXXX because my loan is an FHA loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is a follow up to my previous complaint about Chase because my situation is getting worse. Since XXXX, I have been trying to get something in writing from Chase about how to close deceased parents ' accounts and received only harnessing emails stating that accounts that have roughly {$7000.00} have been overdrawn. 

I was called by Mr XXXX from Chase 's executive branch who told me he would look into my situation and try to find the documents I had already submitted. On XX/XX/XXXX, I received two emails ( attached ) stating that the account was overdrawn by XXXX. I called Mr XXXX who told me to ignore those emails and he told me to send in another copy of my mother 's death certificate and documents proving I have the power to control her affairs, which I did. ( attached ) Yesterday, I received a telephone call at XXXX XXXX  fro Mr. XXXX letting me know that my documents were not sufficient. I called back yesterday and today, left several messages on voicemail and spoke to someone who said the people working on my case were not in the office. I asked that someone call me and send me something in writing letting me know what documents I need to submit and why the documents I submitted are insufficient ( they are exactly what he requested ) so that I can close this account. 

I have attached also links to the relevant Chase webpage and the Massachusetts legal handbook that describes the documentation I submitted as sufficient to give me authority to manage my deceased parents ' bank accounts. 

I feel that Chase 's refusal to put information in writing and to respond in a timely manner is becoming harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I bought a car, I was told the First Bank needed an inquiry on my credit for the loan. I unlocked my credit report. Got approved, got the car. When the paying slip arrived, it came with a credit card. I thought it was a promo. when I created my account on XXXX/XXXXXXXX I noticed a line of credit for XXXX dollars. I never authorized nor signed anything. Called he dealership, they said to call the bank. Called the bank and they said the inquiry for the XXXX was used for that, but they are asking if I received a phone call when I requested the signed document. When I check my XXXX XXXX Account there is no data on any other credit card, which was supposed to appear if it was approved if I had requested it. This credit card was sent to my address without my knowledge. So many risks in this transaction, including fraud. They said they will create a case and give me a resolution. My hard work is not a game.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2021, I purchased XXXX concert tickets to lost in XXXX using my Bank of America credit card. This was a XXXX day concert. XXXX in XXXX vendor failed to respond to my request for refund after on day XXXX of the concert we trampled on, and couldnt safely enjoy the concert. There was lack of security, etc. We were traumatized and didnt feel safe to return. The vender failed to respond. I filed a claim through BANK OF AMERICA, and they added additional injury. A rep in the claims department agreed that vender NEVER provided a refund policy. How can BANK OF AMERICA DENY MY CLAIM STATING I WAS DISSATISFIED and the vender sill had a right to collect. This simply isnt right. 
I HAD A RIGHT TO REQUEST A REFUND given the circumstances. Not to mention again there was no refund policy that could be referenced.

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 2021-10-26
Company: Rent Recovery Solutions
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Previous answer the company told me to contact them. I called the number and nothing connects. 

Regardless, I have already tried communication and they are just ignoring everything that I am requesting. 

I request exactly WHAT I am being charged for. 

Look - you put money collections WITHOUT letting me know that I had balance due. And when I request exactly what the charges are- YOU REFUSE to tell me. How does this make sense? I request records showing and proving exactly what I did to incur damage and prove that I am responsible. The burden of proof is on YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I was reviewing my credit card statement after I had paid off two of my promotional offers before the expired time that would prevent me from having to pay interest on the balances. Upon reviewing the credit card statement which should of had a XXXX balance I noticed I have been getting charged interest. I had contacted the customer service agent and inquired as to what I am paying interest for and was told that I had a charge back in XXXX that expired the promotional time. I had notes on one of my statements from XXXX of XXXX as to where I had talked to an customer service agent and was told about this charge. I was told if I paid the balance off of the older charge there would be not further interest charged it was {$330.00}. So I had paid that amount off at that time. Due to this matter once again at the present time I started reviewing my statements and have noticed that on the statement there is no information of the balance I am paying interest on and just the interest amount was shown on the statement. I also noticed that the payments I have been making all this time was going to the last purchase made instead of the oldest transaction. I have been told many times by customer service representatives that my payments that I make on the account always goes to the oldest balance first. When I chatted with a customer service representative they said my balance still owing is {$580.00} back in XXXX and that I am paying interest on that amount. I told them the amounts were not adding up due to it was 2 years ago and should have been paid off by now due to it being the latest charge. The person that I chatted with I could tell they got frustrated and let the chat time out. Looking further into my statements trying to find this purchase is when I noticed it wasn't even on the statement just the interest charge. Then looking further into my payments being made and what they are being applied to on my balances I owe that all of my payments I am making are not being applied to my balances nor the interest. So I want to know where the portion of my payment is going if not on the balance or the interest owed. I have contacted customer service numerous times and due to the frustration of the agents my calls were disconnected. So I feel that they can see all the information of the transactions and my statement is lacking information. This problem is so frustrating that I hope the company will address this matter to see if they are having issues with their programs. Or edit their statements so the customers can actually see what their payments are being applied to.

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 2023-08-23
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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 non-monetary relief
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: MD
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 an open investigation due to identity theft from the Equifax data breach and they ( the CRA 's ) stated it will take XXXX days to respond, however, the account is still reporting during the investigation time frame, this is currently reporting false information that is illegal and they are in violation AT THIS MOMENT. sure, take XXXX days to respond, but this needs to be removed until they respond. The FRCA also states these items must be removed until they can verify the account or investigation is complete. 

These accounts are fraud and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Experian Information Solutions 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:
On XX/XX/2019 my credit report from Experian was alerted that an account was reported opened under my name the bank name is XXXX XXXX XXXX this bank work with a store called XXXX XXXX, and that is the new account that was opened under my name for this specific store where people was able to spend {$2000.00} on XX/XX/2019. 
I did try to close this account that I did not open my self using my Experian services, I was not successful doing this. 
My credit score when from los 700s to low 600s in 4 months also the same problem occur on my personal XXXX account on XX/XX/2019 someone was able to use my credit for 2 exact same purchases at the same exact XXXX store in XXXX Ca for the exact same amounts of {$1000.00} the company was not able to help me when I reported my identity been stolen and they send me a letter saying that I made those two purchases my self, when I did not. 
I did manage to send them and other message saying that this transactions were not made by me and if they did not correct them and applied the proper credits to my account I will be force to stop my automatic payments.

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