BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: CITIBANK, N.A.
State: OH
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:
Macys/DSNB is not following the XXXX XXXX compliance guidelines. Comments made by the creditor does not indicate that the account was settled. In accordance to XXXX XXXX, the creditor has to indicate the first date of delinquency. The creditor does not include other XXXX XXXX information such as payment status. The creditor failed to correctly report credit information. According to FCRA, creditors are required by law to report information correctly. I have contacted this creditor several times regarding correctly reporting information and they will not comply with reporting information in accordance to FCRA and XXXX XXXX. Therefore, this account should be deleted from 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 non-monetary relief
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 account # XXXX, has violated my rights. 

XXXX # 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  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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have multiple hard inquiries on my credit report that does not belong 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 2023-03-20
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Paypal Holdings, Inc
State: GU
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 recently opened PayPal acct and on XX/XX/2023 I received an email from stating my order of {$550.00} bitcoins was approved and will be deducted from my PayPal and bank account I never ordered or purchased any bitcoin My PayPal account and bank account do not indicate the above transaction yet please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TapTap Send Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, Would you please help me resolve the issue I have with my money transfert transaction with Taptap. On XX/XX/2022 @ XXXX. I sent the money to my young brother on the Amount of {$50.00}. After 45 minutes, I realized that I did the error on my recipients phone number ( incorrect phone XXXX XXXX ). I called Taptap to cancel or reversed the transaction for the correct phone XXXX, but they couldnt help me. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This original debt was included in my husband 's discharged bankruptcy ( X/2015 ) ... .the effect of the discharge is it is NOT enforceable on those community claims pursuant to 11 USC 524.

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 2023-11-09
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to address a reported medical debt on my credit report, and I have encountered several issues in attempting to resolve it : Lack of Detailed Information : I have requested more information about the debt, such as an explanation of benefits or invoice details, but have not received a response.

Communication Challenges : I have been unable to reach a human representative through phone calls, and all contact attempts from CBHV have been automated or missed calls.

Address Discrepancy : The listed address on file does not align with my personal affairs and insurance information.

Payment Issue : I made a payment, but I did not receive confirmation or a reference number linking it to the reported debt.

I kindly request : Detailed debt information.

Direct communication with a human representative.

Verification and correction of address details.

Resolution and proper reporting of the debt to credit bureaus.

Your prompt attention to these matters is appreciated. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I received a collection notice from Wakefield & Associates with charges from XXXX XXXX XXXX for a debt of {$490.00}. I took steps as described in the collection notice and sent a dispute of these charges by registered mail well before the limit date of XX/XX/XXXX, and they received the registered mail on XX/XX/XXXX. I did not receive any paperwork or documents with proof of this debt being mine even though they were supposed to send the information that shows I have the debt. On XX/XX/XXXX, I got an alert from XXXX that Wakefield & Associates reported this debt to the credit Bureaus even though they received confirmation from me that I wanted to dispute these charges. 

After receiving the registered mail with the dispute notice they should have sent me proof that this was my debt but instead took the unlawful measure to report me to the Credit Bureaus before any proof or further information even after I sent a registered letter of dispute exactly as outlined. I did not see that they reported me to the Credit Bureaus until it was posted to my credit report which negatively impacted my credit score by XXXX points. Please see attached the debt collection letter, a copy of the letter of dispute I sent, the receipt from the registered mail, and the tracking form from the XXXX tracking which shows that they received the letter of dispute on XX/XX/XXXX. 

I'm a XXXX XXXX XXXX  just barely trying to start my credit. I have had an amazing credit score and have been taking care of my XXXXredit score for my future and for current expenses such as school and my first car. This collector company reported me without sending any further information even after I disputed this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XX/XX/2021, I made an online payment of {$8500.00} towards my credit card. 
I went to use my credit card to purchase appliances on XXXX XX/XX/2021 and my purchase was declined. I called USAA, the credit card company, and was told by the customer representative, 'Sherry XXXX, that the payment I made back on XXXX XX/XX/2021 has a 7 day hold on it. 
The payment cleared my bank on XXXX XX/XX/2021! 
Consumers should not be held XXXX and denied the use of their credit card when the payment has cleared the bank! 
I was subjected to embarrassment and MAJOR inconvenience. I've had to put the credit card appliance purchase on hold and this creates a delay in the sale of my home! 
CFPB should prevent credit card companies from putting a XXXX7 day delay ' on the credit of a payment when the payment has cleared!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on my credit report under all 3 credit bureaus, its shows multiple entries for the same debt ... 
this debt is not even mine. 
called the collections companies and they state they show nothing for me but yet leaves it up to me to clear out of my credit reports. 

CommonWealth Finance Collections XXXX called XXXX @ XXXX ** they have the following debt listed 2 times on my credit report- XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX called XXXX @ approx XXXX ** they have debt listed 1 time- XXXX XXXX XXXX   XXXX {$2200.00} I also called this " XXXX XXXX XXXX   XXXX '' @ XXXX on XXXX @ XXXX and after review they DO NOT have anything listed for me as a debt, not sure why 3 entries to 2 different credit agencies would have this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The Following credit reporting agencies have a bankruptcy that is not true and they hae not provided any documenation.

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 2020-09-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a loan through 5/3 Bank on a XXXX XXXX XXXX. This vehicle was stolen from my place of employment on XX/XX/XXXX at approximately XXXX. Security cameras at my job verified the theft and the XXXX XXXX Police Department have deemed this a total loss due to inability to locate said vehicle. I spoke with 5/3 Bank on several occasions at the beginning of this process to make them aware that the vehicle was stolen, I was initially told by a 5/3 representative that they would defer/halt the loan and payment due XX/XX/XXXX if the vehicle had not been recovered. I have spoken with them numerous times trying to keep them updated on insurance and the claims process. On XX/XX/XXXX I made contact again with 5/3 Bank, explaining insurance had deemed this a total loss and asked them to defer the payment due XX/XX/XXXX to the back of the loan, in order to allow insurance to finish processing the claim and provide further information. After speaking with 4 representatives I was told they would not assist me and they could not defer my payment because the excuse of a stolen vehicle was not sufficient. The same day XX/XX/XXXX, our insurance adjuster XXXX XXXX with XXXX XXXX XXXX sent 5/3 Bank 's total loss department an email confirming the total loss and pending paperwork. Today, XX/XX/XXXX 5/3 Bank has begun harassing me by calling several times an hour to receive said payment. 5/3 Bank confirmed they received the email from our insurance and still have refused to assist us, claiming our stolen vehicle is not a valid enough hardship to defer a payment. They have not only harassed me via telephone, 5/3 Bank has also told me I know owe them 3x the monthly payment of {$590.00}. This has been a very challenging time for my family as I have struggled to make it back and forth to work without a vehicle while waiting for this process to be resolved. I have made every effort to communicate, provide information and paperwork to this bank. The result has been being treated like a second class citizen to a bank that I have NEVER missed a payment with, being spoken to in a condescending and insulting manner by 5/3 Banks total loss and hardships department, and finally now being harassed. I communicated appropriately about this situation from the beginning and feel this bank needs to be penalized for their unprofessional behavior, like they have penalized me, my family, and my credit, during this hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Arcadia Holdings, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There must be some mistake. I have written several letters to Arcadia Recovery and they have never responded to me. I have disputed these accounts with the credit bureaus, but it's verified. They must be sending the verification to the wrong address, or they must not have any information about the accounts. I am at a total loss for words. This feels like willful negligence. They are reporting multiple accounts and have never verified one of them to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive been unfairly locked out of my PayPal account. Ive had the account for almost ten years, which they recently claimed to have given me a {$20.00} credit for due to loyalty but I cant even access my balance to pay my bills every month. This can lead to late fees or me possibly ruining my living situation as Im counting on that money to get by. Ive set up Face ID and also tried to confirm my mobile number to help secure my account, the latter attempt being denied most likely because I have a prepaid phone number even though the website never indicated those as ineligible. Ive called several times to confirm and verify my identity but I ended getting hung up on, stuck in the automation system or not getting a call back at all. Ive also messaged them. Ive even had them tell me to contact them during business hours while I was contacting them during business hours. I just need help with this because its ridiculous and Im really just trying to do good business. My emails linked to my PayPal account are : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy 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 2022-08-18
Company: Resurgent Capital Services L.P.
State: MS
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 my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: PREFERRED CREDIT INC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/XXXX I had the XXXX XXXX XXXX  come by my house and give me a demonstration and at the end of the demonstration I decided to purchase the bed and when I did they wanted to get the money right away or me sign for this credit : Preferred Credit, inc. Or pay a higher price if I didn't purchase the bed the same day, basically bullied into going with this Preferred Credit Inc. After paying for 9 months I called the Preferred Credit and decided to make an extra payment and got the payoff amount. I decided to make a payment of {$2000.00}. They told me that I have an installment plan, and that the {$2000.00} would not go to just the principle. So all the time I wasn't getting any statements to see what they were doing, I asked them to send me statements when I called in XX/XX/XXXX and I just recently got a statement for the first time that I had to call them for the third time XX/XX/XXXX it arrived XX/XX/XXXX. They told me I was not allowed to call them anymore and would be charged {$10.00} every time I talk to a agent and was referred to the website to look at my statement so I did and that's when I discovered that the payments I have been making to the principal was not equal the amount that they were showing and they took more interest off of the XXXX I paid that I believe that they should have. I don't understand this company the way the interest is calculated seems to be every month is different. I want to get out of this contract and pay this off immediately but they do not want to discuss anything over the phone and they're saying that I owe more money then obviously I paid so they seem to be treating me unfairly and paying more interest than nessary.

Company response to consumer: Closed with explanation