BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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, the following companies/accounts have violated my rights ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I requested an update on XX/XX/2021 as to how much additional spend I needed to make on my XXXX card prior to the end of the year to earn a free night award. I was told as of that date I need to spend {$910.00} to reach {$15000.00} in spending. I spent {$1600.00} net of returns. When the free night did not post I sent a secure message to Chase and have been told multiple different excuses, including on XX/XX/XXXX that I did not qualify since I had {$460.00} in refunds, XX/XX/XXXX that I did not meet the spending requirement with no explanation, on XX/XX/XXXX that I only spent {$12000.00}, and from the same representative on XX/XX/XXXX " I reviewed your previous correspondence, and the specialist indicated your approximate spend to earn the free night was {$910.00} in late XX/XX/2021. From the date that this correspondence was sent to you to XX/XX/2021 the spend was not met as there was a merchant credit that is not counted towards your spend. '' This is still incorrect as a simple review of my transaction shows, let alone the number of attempts and constantly changing answers from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is to inform you we have just got confirmation about two weeks ago from XXXX bank that there were some incorrect billing errors on the account that then transferred to you. While we are still exploring how to work this out best, I do now understand why there was a delay in continue the forbearance with you, and you reporting that appropriately. I will add, my only grievance, at this time with the information we have, is that it is disappointing to see you failed to report I qualified for mortgage assistance relief in XXXX, did not communicate with the payment portal, which caused for a delay once you transferred it again ... and you failed to report that I was approved for the payment to the new servicer. They can see in the notes they have from you the application was pending, but you also did not report to them the loan was in forbearance... again, just causing delays from non relayed information, that seems to be from carelessness rather than direct intent. If you have suggestions on how you would like to see the incorrect mortgage amount transferred to you, please let me know, otherwise I will be in touch once I get more information from HUD and a lawyer on how to proceed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXXm so depress because paypal closed my account very fast and for no reason. My account to them is new and im not familiar for all the features they have in the paypal apps. I am working as a freelance coach and virtual profesional together with my staff. Im the owner of my company computer technology services world wide. The date i created my account to them is on XX/XX/2022 then i decided to closed account on XX/XX/2022 because of some mistaken information about me and my company. On the same day XX/XX/2022 i decided to try to create new one for my personal account then upgraded to the business account coz i had a true business and i believed that is the right move to grow and to expand also to get know my business better. Then on that date a day after a created my accnt i already getting and receiving payment to my paypal business account for my work and for my company services then suddenly i got some email coming to paypal asking me to upload my identification card also to explain my business. I do answer them and already upload my i.d and sent back to them. A day after after review dated XX/XX/XXXX, i got shock because of the email i received from paypal, saying im no longer do business with them because they said my account is engaged in activity to deceive paypal and its customers. Paypal company accusing me deceiving them and its costumers, why they said that? Im not doing wrong things to get paid by others i am doing very good and right business as per law. If i do wrong things to paypal. please i ask them to give any proof that im doing wrong things or i violated any rules. I am not sure if this is some mistake. Why im here to report this kind of situation. I feel they are not doing their job in the rightful way and its affecting me a nice and great deal as of now. My account still have funds and i can not manage to use it because paypal permanently limit my accnt. I get that money because of my services and not for deceiving anyone like they said to me. My email linked to my paypal account is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The credit bureaus Experian, XXXX and XXXX are reporting this account named XXXX XXXX in my credit file. 
This XXXX XXXX account does not belong to me. 
I have disputed this alleged debt/ in my credit file account 3 times. However, the credit bureaus refused to delete it from my file. Instead their reply to my deletion request was verified the account belongs to me. I asked for proof of the validation but was never provided such. I need this account removed from my credit file because it does not belong to me. I also need any information that the credit bureau have from this creditor so I can file this case as identity theft being the credit bureau said they verified the debt was mine

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 2023-10-05
Company: CITIBANK, N.A.
State: DE
Product: Credit 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:
I am writing to ( reopen/ appeal ) dispute a charge of XXXX XXXX of {$2200.00}, {$2600.00} to my credit card on XX/XX/23 and {$130.00}, XXXX and {$220.00} charged to my credit card on XX/XX/23. The charges are in error because I did not receive the items that I order. The items were not accepted when delivery company XXXX attempted to deliver the items since the items were 2 months late and were procured through another source. 
I object to Citi closing my dispute as per your last letter you were still awaiting a response from the vendor XXXX, who has not substantiated the charges on my account and havent sent me an invoice. The original date of dispute must remain and you must resolve my dispute within the 90 days from the original date of dispute as required by law. 
The referenced items Kitchen appliance package of refrigerator, dishwasher, range and microwave including 3 yr warranties for each were ordered on XX/XX/23. Delivery of the items were promised for XX/XX/23. I called XXXX customer on the evening of XX/XX/23 when delivery was missed. They offered a {$300.00} discount for the missed delivery and provided another delivery date. The next delivery date was missed, as well as the next two times. I filed a XXXX complaint, they provided numerous misleading reasons why the items werent delivered. As well as directing me to the delivery company XXXX whom informed me that they didnt have the items and to contact XXXX . Ultimately, I procured the items from another source with the exception of the refrigerator. 
I contacted XXXX via phone and email numerous times, I requested an invoice and refund. They advised not to worry they would issue the refund in 5-7 business days. After I exhausted all attempts to receive the refund, I filed a dispute with Citi for the charges on my credit card. 

Upon receipt of the dispute Citi issued a conditional credit for the disputed amount and advised they were waiting for a response from XXXX. In a letter dated XX/XX/23 Citi reversed the conditional credit and determined that I was responsible for the dispute amount because I failed to a prior letter. At no point did XXXX verify the charge or make contact with Citi. Citi reported the disputed amount to the credit Bureaus and my credit score was significantly impacted in a negative way. I responded with a letter via email on XX/XX/23 and XX/XX/23. 

I advised Citi that I'm confused as to why the disputed amount isn't conditionally applied to my account, I don't know what amount i'm responsible to pay and the harm done to me by the reporting of the erroneous debt to the credit reporting agencies. No relief was provided.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX, am sending this complaint on behalf of myself. This complaint is not being submitted in error or by a third party agency. Please see attached documents.

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 2022-03-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2022-12-29
Company: Experian Information Solutions Inc.
State: OR
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. US Department of Education : # XXXX, US Department of Education : # XXXX, has violated my rights. I've compared all three credit bureau reports side by side an notice Experian is the only credit bureau with this Inaccurate information. 

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.

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 2022-03-25
Company: Experian Information Solutions Inc.
State: LA
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 sent a letter regarding inaccuracies and incorrect information on my credit report in XX/XX/2022. I noticed these changes on that same day. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. These items should be removed promptly.

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 2021-05-05
Company: BTH Management
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:
On today XX/XX/XXXX a derogatory collection account from Plaza Services in the amount of {$400.00} was placed on my credit report with the original creditor listed as XXXX XXXX. Plaza Services reported that this account was opened in XX/XX/XXXX. I tried contacting them as I have no knowledge of this account and have no signed documents or contract between Plaza Services and myself. This listed account is negatively reporting on my credit report without my consent which according to the laws set forth by the FCRA is against the law. I would like any and all documentation provided to me from the agency Plaza Services that they feel gives them the right to report this information to all three credit bureaus. Unless these documents can be provided this account needs to be removed from my credit report immediately and not allowed to be reinserted at a later date.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX, account, xxxxxxxxxx XXXX, date opened XX/XX/XXXX. I am requesting this account be deleted off all my credit reports with each agency. There are a plethora of inaccuracies amongst all three agencies. I m also requesting a pay history because the payment amount that is reflected {$760.00} is not the amount I recall PAYING, and Iam req proof of debt. Last payment for XXXX shows XX/XX/XXXX, and XXXX shows XXXX, XXXX XXXX. Account status for XXXX shows collection and XXXX  shows open. Last payment for XXXX show XX/XX/XXXX, experian shows XX/XX/XXXX and XXXX  show XXXX XX/XX/XXXX. Please remove this off my credit reports.

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: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX, we purchased {$14000.00} worth of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which had a XXXX 0 % interest promotion financed through Comenity Capital Bank . This loan ( account number XXXX XXXX XXXX XXXX ) was on a monthly payment plan to ensure the full balance was paid off within the XXXX promotional period. 

Then in XX/XX/XXXX, we made a 2nd purchase which also had a 12-month 0 % interest plan, and was told by the reps at the XXXX & XXXX XXXX XXXX XXXX XXXX FL store that it would be a 2nd/separate loan with its own 12-month 0 % interest promotional period. 

But it was not set up correctly, and the amount from the 2nd loan was added into the first loan which caused the first loan to go into default when its promotional period expired and has kept the account in default the entire time incurring more late fees and penalties until the full balance of both loans was fully paid off. Also, at the same time, the 2nd loan amount was added, and our account was changed to paperless without our consent which caused this issue to go unnoticed for a period of time. 

Once it was discovered, we first tried to contact the XXXX & XXXX in XXXX XXXX XXXXXXXX XXXX store manager who advised us there was nothing he could do, to contact XXXX XXXX the XXXX XXXX XXXX for XXXX XXXX XXXX and Comenity. 

XXXX advised us to submit/open a case with Comenity regarding this, which we did and were promptly denied stating nothing can be done due to it being more than 60-days. XXXX attempted to address this case with Comenity and was also denied for the same reason. 

We attempted to fight this with Comenity Capital Bank on multiple occasions and were told each time that the issue was caused by XXXXXXXX XXXX XXXXXXXX because Comenity wouldn't have added the 2nd loan amount to the first loan unless the instructions from XXXXXXXX XXXX XXXXXXXX indicated to do. 

Each time we requested/demanded for Comenity Capital Bank provide us with documentation/proof that the order was done improperly by XXXX & XXXX. Each time Comenity Customer Care Supervisors refused to do so and claimed that the document doesn't exist due to it being over XXXX ago old though Florida state law requires the retention of all loan origination documents for 7-years. 

The bottom line is, by Comenity Capital Bank improperly added the value of the 2nd loan into the first loan 's 12-month 0 % interest promotional period, it caused that 1st loan to default and incur over XXXX XXXX in penalties and fees. Comenity has refused to remove any of the late fees or penalties while providing zero proof that anything was done improperly by XXXX XXXX  XXXX and they don't seem to have any systems in place to handle anything over 60-days old which allows them to categorically deny any situation like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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: Investigation took more than 30 days

Complaint:
I am writing to bring to your attention an urgent matter pertaining to my credit report. On XX/XX/2023, I initiated a dispute with XXXX XXXX XXXX XXXX XXXX regarding a debt associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, totaling {$7000.00}. I firmly believe this information to be inaccurate and not reflective of any valid debt I owe. 

I have notified XXXX XXXX XXXX XXXX XXXX directly of this dispute, as stipulated in 15 U.S. Code 1681i, which mandates a timely reinvestigation by the consumer reporting agency. Regrettably, XXXX XXXX XXXX XXXX XXXX has not conducted this required reinvestigation within the mandated 30-day period.

The inaccurate debt on my credit report is severely impacting my financial prospects, including my ability to secure housing and make informed financial decisions. Therefore, I urgently request that XXXX XXXX XXXX XXXX XXXX conducts a thorough reinvestigation into the disputed information and rectifies any inaccuracies promptly, including the removal of the disputed item from my credit file if found to be inaccurate. 

I also urge XXXX, TransUnion, and XXXX to ensure that accurate and up-to-date information is reported in compliance with the law. 

I appreciate your prompt attention to this matter and request your immediate action to resolve this issue in compliance with 15 U.S. Code 1681i.

Sincerely,

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