BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself onXX/XX/XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DPT EDXXXX, XXXX, US DEP ED, US DEPT OF ED/XXXX, USDOE/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-01-09
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account with Gemini XXXX and I sold my XXXX currency back in XX/XX/ and it was suppose to be available in cash so I can withdraw it. Its not allowing me to withdraw my money from the account. I want my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: WA
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 am XXXX XXXX and I am submitting this complaint myself. I have been patiently waiting on Equifax 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: FL
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:
I have disputed multiple times with Equifax of 2 inquires that I did not initiate and or not mine. I have requested the verification and removal of these inaccurate, fraudulent inquires on my report. The inquires are from XXXX XXXX XXXX  on XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX. I have reached out to both companies multiple times to remove these inquiries that were not made by me and are incorrectly reporting on my report. All of this I sent to Equifax as proof and to no avail, these inquires remain on my report. I have not signed any documents authorizing either organization to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. XXXX XXXX responded, dated ; XX/XX/XXXX. Stated that this was the result of PRESCREENED INQUIRIES. NO, these inquiries are NOT the result of any prescreened offer. These inquiries are standard inquires, which I did not authorize. They are fraudulent. I also called XXXX XXXX about this issue in XXXX of XXXX and was told it will be removed. IT HAS NOT! XXXX has not responded and letter was returned, so I sent another ... .Nothing ... 
If XXXX XXXX and/or XXXX XXXX are in possession of any document that they believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed, so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Also, I have been trying to remove old addresses since XX/XX/XXXX. I have sent 5 or 6 request to Equifax to delete the old addresses on my report. On XX/XX/XXXX I received my Equifax report # XXXX showing the old information was DELETED! I received another report # XXXX on XX/XX/XXXX showing these same items once again reporting on my report! This has been going on now for the past 6 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Was not notified of investigation status or results

Complaint:
Please look at the attached documents and start an investigation on these accounts as they are reporting me as late even when I'm never late.

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 2018-10-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had filed a complaint with the CFPB towards PayPal regarding a charge back which took place to my account in the amount of {$17000.00} on XX/XX/2018. The response from XXXX XXXX of PayPal is attached. Part of the letter reads, " On XX/XX/2018, PayPal received notification that the buyers credit card company was continuing their chargeback for {$17000.00} as their card member provided documentation indicating that you promised a full credit for malfunctioning computers and wrong power supply / plugs received. '' That is 100 % false. I 100 % without question did not permit/allow any debit to take place from my account. PayPal did not at all act in good faith because they never questioned me about that. Instead, they simply believed what XXXX had told them and allowed XXXX to pull all of the funds from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX a debit for {$20.00} came out of my account but it came out in the middle of the night and with in hours I got a notification that I got a {$35.00} charge. There was no chance for me to even step into the bank at opening time or ask my cousin to XXXX me money to cover the cost. This is unfair at least give people until the next day if you all are gon na debit things in the middle of the night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/18 Bank of America charged my checking account ( # XXXX ) for two wire transfers of {$4600.00} when I only authorized only one. They admitted that it was their mistake but they said they will not be able to put the money back in my account until XX/XX/18. This is completely wrong and the funds should be put back into my account immediately. Meanwhile my account is overdrawn, I can not pay my bills or get any cash. I will be switching banks tomorrow but this type of banking activity should be stopped.

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 monetary relief
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I would like to bring to your attention that all 3 credit reporting agencies XXXX XXXX  and Experian are abusing their authority in keeping consumer credit scoring. I have been suffering financially because of the COVID-19 situation. I have been trying to fix my credit since XXXX so that I can borrow credit in order to sustain with family during this difficult situation. 
Just to sum it up, below are the ways they are making me suffer ; My credit scoring has not changed since XXXX. It is as if they have blacklisted me from gaining points I used my savings to pay off 3 collection accounts that were on my credit report. Although they have removed those collection accounts but the agencies are not returning around 75 points that they had deducted when the collection accounts got on my credit report There have been positive and negative events on my credit report since XXXX but they have not given me any points for positive developments Please help me out in getting this straightened out. This is the last thing the tax paying citizens need to worry about in this pandemic. 

I am attaching one of the correspondences I had sent to them in this regard. They have ignored my request in their responses. 

Thanking you ...

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 2019-03-11
Company: NRA Group, LLC
State: SD
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:
False reporting by 2 creditors on my credit report, the creditors adds on my credit file that I am delinquent in making my payments more than 2 months, they have been doing this for the last 10 years and I have tried to get this corrected recently because I now have gotten myself on track with keeping my credit score fairly decent the past 2 or 3 years but it continues to go down because of false reporting! I have 2 accounts that are fraudulent reporting on my credit file. I need them removed ASAP but, I need some help in doing so! 

I have had this disputed to XXXX, XXXX  and XXXX and all was reported as accurate! All Lies!!!!!!

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted Transunion credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown XXXX XXXX. Transunion alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Transunion including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Transunion to advise them of the results of my debt validation request. 

I believe that XXXX  has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX and need your urgent assistance to survive. Thanks

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 2023-05-23
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX  XXXX XXXX IN XX/XX/2021 XXXX  XX/XX/2021

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 2019-03-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Toyota / XXXX XXXX XXXX has systemically defrauded millions of borrowers out of countless dollars in interest payments, by purposefully making it difficult to prepay their auto loan products.

Specifically, TFS doesn't allow prepayment of principal online. While they allow extra payments ( payments in excess of the monthly installment amount ) to be sent via online submission, it only prepays principal and interest, and doesn't reduce the loan balance. Millions of Americans would not understand that this subtle difference results in zero benefit from an interest standpoint.

It truly is predatory and should be looked at given the VOLUME of loans going through this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently filed a complaint against this company ( Transunion ) on XX/XX/20 for repetitively reporting inaccurate information to my credit report subsequent to me contacting/notifying them several times in regards to this matter. My most recent complaint resulted in the company accusing me of using a credit repair company and also refusing to investigate my claim. I am not now, nor have I ever used a credit repair agency. The accounts in question do not belong to me and are not related to any transaction that i have made. They are the result of identity theft. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information that appears on my report, also, that the credit reporting agency must conduct an investigation. This company blatantly violated my rights.

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 2020-05-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently made a large payment ( {$500.00} ) towards my Wayfair credit card to paydown a promotional balance that expires in XX/XX/XXXX. Instead they applied it to the balance of a promotional balance that doesn't expire until XX/XX/XXXX. I won't be able to pay the XXXX promotional balance in full now and will be unfairly charged interest when I shouldn't have to. I intentionally made the payment so that I wouldn't have to pay any interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
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:
There are accounts on my credit report that dont belong to me. I need these accounts moved immediately. The accounts are as follow : 1 ) XXXX/XXXX  : account # XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX : account # XXXX COLLECTION 3 ) XXXX XXXX XXXX : account # XXXX COLLECTION 4 ) XXXX XXXX XXXX XXXX : account # XXXX COLLECTION 5 ) XXXX  XXXX : account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently sold my home on XX/XX/XXXX. Select Portfolio Servicing was the company that serviced my first mortgage. I changed my address back in XX/XX/XXXX/XX/XX/XXXX as I was a victim of identify theft. 
Since closing, I have tried unsuccessfully to obtain pertinent documents, refunds due to me. The documents /monies due to me include : refund of any outstanding monies, ( they are saying they received a different amount than what my settlement statement states which affects my refund. Additionally I have yet to receive my XXXX  year end mortgage interest statement. The mortgage interest statement should've been mailed out by XX/XX/XXXX. I have attached docs to support that they have the correct address and have had it since early XX/XX/XXXX. Why haven't I received the pertinent documents due to me. 

Since my information has been removed from the system, I can only rely on the customer service agents, managers who are non-receptive to assisting me. I have heard nothing but excuses. I am requesting a full accounting of my account that includes and corroborates my settlement statement and emailed to me immediately along with my XX/XX/XXXX XXXX mortgage interest statement. Additionally I am requesting the correct refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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 am filing a complaint with XXXX  because I advised them that these inquiries on my credit report were due to fraud and they have not removed them from my report. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. These Inquiries need to be removed immediately due to fraud. 

I am filing a complaint with Transunion because I advised them that these inquiries on my credit report were due to fraud and they have not removed them. XXXX XX/XX/XXXX, XXXX XX/XX/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 explanation
Consumer complaint received 2019-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Portfolio Recovery stated I owe them XXXX and the original company is XXXX XXXX XXXX XXXX. They stated I opened this account on XX/XX/XXXX but at this time I was incarcerated and there is no way I could have open this account. I do not have a sign contract nor do I have any contract with Portfolio Recovery nor do I owe XXXX XXXX XXXX. I have never did business with these companies. I am not liable for this collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: EQUIFAX, 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 have submitted a dispute to the credit bureau in question before regarding a fraudulent account on my credit report. They have been unable to resolve my situation with removing the error on my report. I attempted to contact the company in question directly without much luck. The company name is XXXX XXXX. They have a one page website ( XXXX ) with a phone number to another company named XXXX on the bottom of the page with no physical address information. I can not find their address on my XXXX  XXXX credit monitoring report. I do not know of any way to contact them. It makes me wonder how the credit bureaus were able to verify this information. It is not correct and I would like it removed from my credit report.

Company response to consumer: Closed with explanation