BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX and I am filing this complaint for 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 non-monetary relief
Consumer complaint received 2023-02-03
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Email reviewed claiming to be from PayPal and fraudulent charge. Email from an XXXX account though. Using copyrighted PayPal info to seem official with an XXXX number to call. They don't list my supposed account number anywhere and to my knowledge I don't have an active PayPal account. Clearly trying to deceive and gain access to my money. Pic attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
My complaint is against PORTFOLIO RECOVERY ( Original Creditor XXXX XXXX ) collection agency, Account # XXXX Balance XXXX, date open XXXX. I sent this company back in in XX/XX/2019 a letter stating that Im a real victim of fraud and the account that they have on my reports does not belong to me. I sent them a copy of a Police report from XXXX XXXX POLICE DEPARTMENT, a copy a Federal Trade Commission Report and letter. This company disregarded a police report and are still reporting a fraudulent account to my reports. I want this company to delete immediately that fraudulent account from my reports and a deletion letter through CFPB portal as soon as possible. Im also attaching the police report I sent them, the letter I sent them and the FTC report that they received. If I dont a quick response I will file this case in court. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Wells Fargo would not review my business credit application until I unfroze by credit dossier with the discredited National Credit Bureau XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-03-10
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:
I'm the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.

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 2023-01-17
Company: I.C. System, Inc.
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 information incorrect

Complaint:
I have reached out to XXXX in regards to two collection accounts on my credit report from I.C. System INC. I have contacted XXXX and XXXX and they have removed these negative remarks but for some reason, XXXX has not. I did not have a procedure with XXXX XXXXXXXX XXXX and not sure why I can't have this removed and it's in collections. The amounts in question on the report are {$380.00} and {$300.00}.

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 explanation
Consumer complaint received 2019-08-06
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After several years of not monitoring my credit reports, I finally requested a copy of my Experian and XXXX XXXX credit reports in XX/XX/2019 and saw there was a collection account present from the Credit Protection AgencyXXXX XXXX. The company reported that I owed {$570.00}. I have never received any notification or communication from Credit Protection AgencyXXXX XXXX creditor that {$570.00} amount was owed or that it was turned over to a collection agency. 

On XX/XX/2019, I wrote the Credit Protection Agency, with a request for them to validate the debt and sent it via certified mail. I did not receive any return communication from the Credit Protection AgencyXXXX XXXX. While I did not receive any communication from the Credit Protection Agency after writing the validate debt letter, I did see a change in the amount owed on my XXXX and XXXX XXXX XXXX reports. The new amount changed to {$250.00} from the previous amount owed {$570.00}. I also wrote letters to both XXXX and XXXX XXXX requesting this collection to be removed from my XXXX and XXXX XXXX credit reports. My USPS tracking number XXXX indicates that the validate debt letter was delivered on XX/XX/2019 at XXXX am Delivered, Front Desk/Reception/Mail Room XXXX, TX XXXX I would like the Credit Protection AgencyXXXX XXXX collection account to be removed from both my XXXX and XXXX XXXX reports. I would appreciate your help in this matter.

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 2022-11-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account was hacked and someone used it to pay XXXX dollars to themselves and I informed chase and they didnt want to reimburse me for the fraud and it happened around XX/XX/XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or about XXXX XXXX, I received XXXX XXXX XXXX XXXX American Express credit cards addressed to myself and for two other individuals that were supposed " employees '' of mine. Names on the cards are below. 
1. ) XXXX XXXX ( Myself - XXXX Business credit card ) 2. ) Not an employee : XXXX XXXX ( XXXX cards, XXXX Business credit card and a Business Prime card ). I will supply one fraudulent credit card number for this report. XXXX 3. ) Not an employee : XXXX XXXX ( XXXX cards, XXXX Business credit card and a Business Prime card ) ) I contacted AMEX Customer Service on XX/XX/XXXX. I explained the applications for all of the cards sent to my business address were fraudulent. I requested the cards be canceled immediately. I was advised by the agent that all of the accounts/cards were canceled. I received a request from AMEX dated XX/XX/XXXX to complete an Identity Theft Declaration to be used during their " U.S. Fraud Department investigation, Ref # XXXX. '' The completed form requested detailed personal information and proof of my identity. I completed the questionnaire to the best of my ability. The notice from AMEX stated I would be advised in writing upon completion of the review. At the time I submitted the questionnaire to AMEX, I chose to utilize my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681sec 609 ( e ). I requested copies all of the pertinent business records as identified in 609. I received two ( 2 ) notices from AMEX one on XX/XX/XXXX and one on XX/XX/XXXX notifying me of the internal review ( s ) taking place regarding my reported issues ( as described by my letter dated XX/XX/XXXX. ) Ref # XXXX and XXXX. As of todays date, XX/XX/XXXX, I have not received any additional information regarding the AMEX investigation / review, nor have I received any correspondences regarding my request per the FCRA. 

The beginning, how it started : On XX/XX/XXXX, I received a letter from XXXX XXXX ( dated XX/XX/XXXX ) that alerted me to " unusual activity '' by an " unknown party accessed customer accounts, '' which includes My Business online account. Per the XXXX notification, detailed information obtained may include " name, telephone number, billing address, price plans, and other service-related information. '' On XXXX XXXX XXXX, I contacted my local law enforcement agency at XXXX XXXX MI XXXX XXXX XXXX XXXX Email : XXXX, Report number : XXXX. I also reported this issue with all of the credit reporting agencies to place a Fraud Alert on my account. I also contacted the Federal Trade Commission ( FTC ) # XXXX, # XXXX and the Social Security Administration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: First Technology Federal Credit Union
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have met all the account opening bonus requirements and waited 30 days for the below account opening bonus and I don't see the bonus posted yet for XXXX. I did open my checking account in XX/XX/2022, and made 6 total direct deposits of over XXXX each month per the term, 2 also i made a XXXX purchase in the first 30 days in super market. The term did say to open a checking account not a saving account, I have mentioned that to the bank service team, and the term did indicate it is for the checking account, and the bank is now denied my bonus and said my checking account is not qualified. I would like to request my account bonus as soon as possible. 

First Tech Federal Credit Union is offering a bonus of up to {$350.00} when you open a new checking account using the promo code XXXX Receive a {$200.00} bonus when you set up a direct deposit. Must be set up within 60 days of account opening and receive 3 recurring direct deposits within 120 days. 
Get 10 % of qualified purchases up to a combined total of {$150.00} ( {$50.00} maximum per category ). The three categories are : groceries, online streaming subscriptions, and food delivery.

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 2023-02-10
Company: BARCLAYS BANK DELAWARE
State: CA
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:
In a nutshell, Barclays is incorrectly reporting a 30-day delinquency to the credit bureaus and has refused to remove it. Minimum monthly payments had been set up since the card was opened in 2009, but fell off without my authorization or knowledge and caused the late fee ( that they refunded and then lied about, saying it wouldn't affect my credit ). 

This whole situation is straight-up fraud and not ok in the slightest - especially considering I was a loyal customer for 13 years who made every single payment on time and paid the card off in full several times. 

Barclays is a disgrace and I will NEVER do business with them again in any regard and I will urge everyone I know to stay away from them too. This is not how you treat people and I am at the end of my rope trying to get this situation resolved. It's affecting my credit when I have done everything right to protect it over the last 30 years. NOT OK! 

I have contacted Barclays no less than 3 times with urgency to get the full year of statements prior to closing the account to prove that I always had autopay turned on, but no one is getting back to me. If I don't hear back from someone to get this resolved and the mark removed from my credit reports, I will sue. None of this is ok. It's fraud and negligence and it is affecting my livelihood. I will not stand for it.

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 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX   XXXX and 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 2022-12-01
Company: Shellpoint Partners, LLC
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: Investigation took more than 30 days

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX NR/XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$23000.00},

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Early Warning Services, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We contacted an online vendor XXXX in an attempt to purchase a puppy. Multiple days of communication both phone calls and texts with someone supposedly named XXXX XXXX living in Colorado sent us photos and videos of the puppies. They also sent contract documents via email for us to sign. After agreeing to purchase the puppy and have it flown over to us we sent {$900.00} via Zelle through our XXXX XXXX app. The next day XXXX contacted us to say they needed {$2000.00} more dollars to ship the puppy. This was never mentioned and we then knew it was a scam. No more than 12 hours had passed and we contacted the bank to file a claim. They were unable to get our money back. We thought with it being such a short window and large amount of money there would be a 24 hold or something. XXXX obviously will not return calls or texts. We then did extensive research to find the mailing address they use is not theirs and the phone number IP address is tracked back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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.

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 2022-12-11
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: Credit inquiries on your report that you don't recognize

Complaint:
My complaint ( this time ) is with XXXX I'm getting extremely tired of doing this!! 

The biggest scam going on in the credit reporting market is how all these companies operate. I'm not paying for their services if all I receive is a summary and a score. They completely " play us for XXXX  '' by hiding information, information that needs to readdressed by Congress on what we should be entitled to! Who knows ... this might be changing yearly by financiers. And XXXX, a XXXX XXXX service, needs access to our phones for simply log-in purposes. 

Reporting is not monitoring and this needs to come down hard on all the three major credit bureaus. Inquiries run rampant as far as I'm concerned, and bills go unpaid to their pleasure!! Something needs to get done drastically.

... And all I'm simply looking to do is to see what my Debt to Credit ratio is!!!!

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