BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a purchase from XXXX with my paypal account for {$69.00}. After making the purchase I found that the retailer had lied about its location. XXXX said they were a US online retailer located in Utah. After making the purchase and processing my payment with PayPal I discovered that had been a lie and that the company is XXXX in origin. I immediately alerted PayPal and requested that my payment be cancelled. PayPal denied my request. I went to check my order status from XXXX and XXXX gave me a phishing/fraud alert for that site. I refiled the complaint with PayPal including the screenshots and was again denied a refund. Today XX/XX/2020 I have not received my purchase and when I tried to check the retailers website it no longer exists. I have again refiled with PayPal for a refund and informed them that I have also filed a complaint with CFPB. My paypal case number is : Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: BB&T CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
did not authorize inquiry

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 2020-06-01
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is a fraud. I contacted this company on XX/XX/XXXX when they placed a collection account on my credit report. They stated that I owe them {$500.00} for a hospital bill from XX/XX/XXXX. I have never heard of this company nor have I received any mail from them in the past. I have no idea about a delinquent bill from North Carolina. I live in Maryland. This company is a fraud and very unprofessional. I asked them to send me a verification letter of the debt and they emailed stating that I owe the bill but it is not a verification letter that I owe the debt nor does it state that the Hospital assigned them the account. Usually debt collector contact you before placing derogatory marks on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 several accounts on my credit report and do not have contracts with them.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: NCB Management Services Inc.
State: WI
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:
Recently after obtaining a copy of my credit report I discovered that NCB Management Services Inc is listed as a current creditor for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is reporting as open, and " Charged Off '' including Remarks ; Disputed resolved ; reported by grantor, consequently inaccurate balances have been furnished to all three credit bureaus. It appears the original creditor, [ XXXX ] sold the account to NBC Management Services for collection on XX/XX/XXXX, the initial loan amount reports a balance of {$2500.00} and secondly, a balance of {$2300.00} several disputes were filed with the Credit Reporting Agencies ( verbally and written ) between XX/XX/XXXX and XX/XX/XXXX. ( see attachment ) All three credit reporting agencies investigations have responded with " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a  consumer contract with my signature on it ) is required and Section 611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' NCB Management has failed to provide its source about how this information was obtained in accordance with the FCRA, and has owned the account since XX/XX/XXXX and failed to provide appropriate debt validation required by federal law verification before posting to my credit report An attachment is included with complaint confirming a request to obtain debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$63000.00} ; XXXX XXXX XXXX Balance : {$370000.00} ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 
The : following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX  XXXX Balance : {$41.00} XXXX  XX/XX/XXXX XXXX  XXXX Balance : {$22000.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am not disputing money owed on the account. 
XXXX XXXX master credit card automatically enrolled me in paperless statements and did not receive a paperless statement. 
I did not consent to enroll in paperless statements. 
Sent my wife a credit card due to Wisconsin Law- I am a Delaware resident. 
Never sent me a paper statement to address on file. 
Hit my credit report with a miss payment. 
Credit card company acted on its own behalf and did not send a bill. 
The paperless statement did not go to a e-mail address either. 
I had no ability to receive a bill. 
Credit card sent a credit card to my wife. 
My wife was unable to set-up account for direct payment My credit score went from a XXXX to a XXXX when going to buy a home mortgage. 

Late fee of XXXX is being removed. 
{$79.00} Annual enrollment fee is being removed and causes closure to the account,. 

Reference number XXXX. 

They were unable to remove me from paperless statement or send me a confirmation at this time.

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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I already sent a letter to the creditors asking to remove these Late Payments they have not abiaded by what i have requested they also Violated my Consumer Law they didnt give me the option to Opt-Out according to this information reporting to a Third party. 

So the Following Accounts Have Violated my rights Law states that its Ilegal to Report Late Payments on a Consumer XXXX Report. These are the Following Accounts : Credtiors Name : Acct Number : Dates : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX Dates Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 USC 1666b : Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

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 2018-07-20
Company: Mendelson Law Firm
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a medical bill turned over to this company twice by the same hospital. The first time I received a forwarded letter from an old address that they had taken me to court and were going to garnish my wages. Not to mention the fact that the only reason I owed this debt is because the hospital did not file the claim in a timely manner with the correct insurance company. I tried to explain this but was told that I had to pay it anyway. I set up payment arrangements, updated all of my information. 
Just recently I received another forwarded letter that I had missed a court date and they were going to garnish my wages. Keep in mind that this company has all of my updated information. The hospital does as well. Yet it was still sent to an address that I have not lived at in more than 18 months. Once again the hospital did not file the claim in a timely manner with the correct insurance company. So now I've missed 2 court dates that I had no clue about and my wages are in the process of being garnished. Mendelson informed me that there was nothing I could do but pay the claims. I do not think this is fair or correct. Especially when this company was very well aware of where I live, my phone number, and where I work. Of course, they didn't have a problem filing garnishment with my employer. Yet didn't feel the need to update my information so that I could show up to a court date and dispute my case. I do have letters from my primary and secondary insurance companies showing that I had insurance and that nothing was filed on the dates that I am being garnished for.

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 2020-10-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX reporting agencies have stated that you never submitted the request to remove your account as you stated it was done ( i have proof ). I dont apprecite being lied too. please send the request and attached the proof. You have XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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: Was not notified of investigation status or results

Complaint:
What happened here is I sent out dispute letters to the three credit  bureaus and I haven't gotten anything from them yet. Specific dates are XX/XX/XXXX of 2020. Today is XX/XX/XXXX of 2020 so it's been a month and 20 days or 50 days if you prefer. I believe that is plenty of time to have received anything back even with COVID delays. 

Please have all three credit bureaus investigate for me and send me something back.

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 2021-01-27
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 would like to file a formal complaint against Transunion, XXXX, and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA for 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error.

2. Failing to provide the method of verification.

3. Failing to provide all relevant info, ( sign contracts, etc. 

In XX/XX/XXXX I sent my first investigation request to Transunion, XXXX  and XXXX  requesting an investigation into multiple inaccurate accounts. Some accounts were deleted, however multiple accounts remained with inaccuracies. In XX/XX/XXXX I sent verification request which allows 15 days in which neither Transunion, XXXX  and XXXX  never responded to my dispute request. In XX/XX/XXXX I sent a third request again asking to have the inaccurate accounts removed, my request once again has been ignored. 
THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. TRANSUNION, XXXX AND XXXX HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNT.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 file an indentity theft report.This account was opened fraudulently without my consent.

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 2020-10-19
Company: Associated Credit Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am receiving harassing calls multiple times during the day from XXXX which then asks me to call XXXX. I called and tried to ask what the debt was for but they will not give me any information unless I give my personal information. I filed chapter XXXX bankruptcy and the rep refused to acknowledge or take my case #. I have no debts since my bankruptcy was XXXX. This creditor was included in the creditor XXXX  and bankruptcy filing case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
im so upset there are address i never lived at on my transuion credit report that i never lived at i have tried to call there XXXX number with no help there are also thing on there that i did not do on my cards like XXXX XXXX XXXX XXXXr XXXX XXXX woman with in XXXX and few others i have lived at XXXX while XXXX XXXX some of these things have happend i am on XXXX and there is no way i can aford these bills why should i have to pay for something i didnt do thank you 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 2020-09-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
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 can not wait to return this vehicle and never deal with toyota financial again This is the second time in 3 months they have inaccurately reported a late payment on my credit report. The first time was in XXXX when they did not put through my COVID relief on my account and put a 30 day late on my report they fixed that and now once my relief was up there was an extra {$73.00} bill on my account they could not tell me where the bill came from as I had paid up my previous bill and 2 payments were moved to the end of my lease due to covid. I spoke to 3 representatives pertaining this matter the first one stated she could not figure out where the bill came from and she was going to request an investigation into my account. The second representative who called me while I was working stated he could not see any notes or proof of an investigation and would look into the matter and call me back after XXXX and he yet again could not understand where the bill came from when I was reviewing my statements with him. Finally on XX/XX/2020 the last representative called me and she yet again could not properly explain the bill kept telling me it was a good thing that due to me always overpaying on my bill in previous bills that I only owed {$73.00} for a bill in XXXX that made no sense but to avoid you hitting my credit I just paid it and wanted to be done with it and she stated she was sending a full print out to explain what she meant which I have not yet received. Then he we are on XX/XX/2020 and you yet again dinged my credit with this nonsense. I do not ever want a XXXX or toyota due to this bank, you have lowered my credit score. I  am a front line working nurse who seeking covid relief instead all I you have caused me is financial hardship and two separate occasions. Please remove this off all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XX/XX/2020 near XXXX  I came across XXXX XXXX XXXX website. It said they can check your rate with no harm to your credit score. I submitted and not even two minutes passed before I received notification that my transunion score had change because of a hard inquiry from said company. I tried to phone them immediately but got recording they was closed. I phoned this morning to no avail can't get a human agent.

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 2020-06-01
Company: CITIBANK, N.A.
State: NJ
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:
Hi CFPB and Citi Bank Compliant office, I have citibank credit card which is closed now. I could not able to cash my rewards amount total of {$54.00}. I want citi bank to send me my {$54.00} rewards deposited to my checking or send me a check to my address.

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