BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We received our Gift card from my mom who purchased the card last year in XXXX. The card was by XXXX, XXXX. This card was purchased in XXXX, Ca. by Mom. We were saving the card for our 25th wedding anniversary in XXXX. My wife checked the balance in XX/XX/XXXX this year and discovered all but {$3.00} had been spent by someone other than ourselves. The card was number stolen and used to buy an item online. We still have the card. We were sent a letter on XX/XX/XXXX. Stating we did not dispute the charge of {$190.00}, never mentioning the car number was stolen and used.

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 2023-10-06
Company: Bread Financial Holdings, Inc.
State: PR
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: Their investigation did not fix an error on your report

Complaint:
I was receiving a lot of letters from this collection agency. I did pay the balances and they told me that these account where going to be removed after the payments were made. I been trying to getting these accounts removed because they were settled and the company has not being intereses with these accounts. This accounts are affecting my credit score and my credit report. I want to buy a my first house and they are keeping my credit score to grow and they are keeping me away from getting new credit. These accounts has been on my credit report for 5 years. These accounts are comenity capital bank/zale close on XXXX XXXX paid and settlement comenity capital bank/ my close on XX/XX/2018 paid and settlement and the last one comenitybank/ express paid and settlement. Please I hope you can help me because XXXX XXXX, XXXX and XXXX are not willing to remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXX XXXX XXXXXXXX BalanceOwed : {$14000.00}.

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 2018-02-09
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:
This is XXXX XXXX : It appears that the first letter I sent was verified and I dont agree. I have attached the second letter onto the attachments down below. Your company has violated my rights within The FCRA section 609. You didnt use the correct steps in verifying the inaccurate accounts and errors youve claimed to be mine and forcingly placing accounts on my report. I asked for the steps of the verification method because I know that the FCRA SECTION 609 states that you must have an original contract showing that I owe a debt along  with the signature shown on the original contract. I have asked for that and I havent gotten a respond from any of your credit bureaus. Its been a total of 90 days. No creditor has responded within that time as well and all the inaccurate items should be removed immediately. My next step is to file a complaint with the FTC if you dont remove the accounts immediately. This is my second letter and I am keeping record of all the letters and documents that have been sent to your company. If this continue with anymore reports showing verified I will be forced to go down to the county court house in XXXX Georgia to file a lawsuit upon your companies. This is a warning. I have attached pictures of the inaccurate accounts and inquiries to be removed along with a 2nd letter of warning. Also pictures of my passport and social security card.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 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, has violated my rights. 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 an 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 2023-10-11
Company: Prince Parker & Associates
State: IA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have been repairing my for the last month so Im constantly watching my credit report and today XX/XX/2023 I noticed a XXXX XXXX  drop and a new debt from XXXX XXXX for the amount of {$330.00}. I have never had XXXX XXXX before. So I reached out to the the debt collector to see about this account but they couldnt tell me anything because my name and number didnt match anything they had. So I had called XXXX XXXX  fraud department and he used my social security number and pulled up the account and told me that the account was in XXXX XXXX  and i live in XXXX XXXX  and have been for XXXX  years. So Im taking every step to get this issue resolved the right way. I filed a report with XXXX XXXX and identity theft.

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 2022-11-02
Company: EQUIFAX, INC.
State: NJ
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXXXXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$780.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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:
Experian sent alerts that 5 credit inquiries were made on the same day XX/XX/23 - 2 by XXXX XXXX, 1 by XXXX XXXX XXXX XXXX, 1 by XXXX XXXX, 1 by XXXX XXXX XXXX and 1 credit inquiry on XX/XX/23 by XXXX XXXX XXXX We contacted Experian who put a fraud alert to monitor credit inquiries and to make sure to contact me if/when any other inquiries are made. Each loan ageny was contacted individually. All except XXXX voided the applications for car loans. Awaiting XXXX reply

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 2023-02-24
Company: Experian Information Solutions Inc.
State: NJ
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 have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: WELLS FARGO & COMPANY
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:
I did not try to receive any credit card or do any increase. Nothing to do with Wells Fargo, please fix this inquiry on my Report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to file a formal complaint regarding the persistent presence of fraudulent items on my credit report. Despite numerous attempts to rectify the situation, I have encountered significant challenges in removing these inaccuracies, which are adversely impacting my creditworthiness and causing undue stress. I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to rectify the ongoing issue of fraudulent items on my credit report.. I am asking for your assistance to remove these fraudulent items in my credit file : 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 2019-09-12
Company: CITIBANK, N.A.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I paid my balance for my Citi Aavantage card and closed my account. Later I received an email that I missed a payment. When I called in they said that they was a {$27.00} interest charge plus {$90.00} worth of late fees. I asked if the emailed me or mailed me a notification of my balance and they said the information was on my online account. I was no longer checking my online account because I thought my account was closed. The email that was sent said that I missed a payment and did not have any details about the payment. The company refused to refund more that one late fee of {$39.00} dollars. I paid the bill but want to file a complaint because I believe this was completely unfair.

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 2023-10-11
Company: Torriere Holdings INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX, or XXXX XXXX XXXX it is unclear which company because their emails are from XXXX but the phone calls only refer to their XXXX office of SRS- contacted family members other than myself and my wife about a debt they claim I owe. I am not a minor, so they should not be contacting anyone but me. They called my father and my sister today, and possibly others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Customer Support Team, I am writing to you today to submit a formal complaint regarding the permanent limitation that has been placed on my PayPal account. I strongly believe that this decision was made in error and I would like to appeal the limitation placed on my account. 

Firstly, I want to clarify that I have not violated any of PayPal 's policies. I have always followed the guidelines provided by PayPal and have never engaged in any activities that would violate your policies. Therefore, I believe that the limitation placed on my account was unjustified. 

Furthermore, I would like to request that PayPal re-investigate my case and restore my account if possible. I am confident that a thorough review of my account will confirm that there has been a mistake and that my account has been wrongfully limited. 

I would like to assure you that I take PayPal 's policies and guidelines very seriously, and I am willing to provide any necessary information or documentation to support my claim that I have not violated any policies. I would also like to request that you provide me with more information about the reason for the limitation, so that I can better understand what has led to this situation. 

Lastly, I would like to confirm that the email address associated with my PayPal account is XXXX. 

I hope that you will consider my appeal and take appropriate action to resolve this matter as soon as possible. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Credit Karma, LLC
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a Credit Karma Credit Builder account. Every credit to my account was always processed within XXXX hours before meeting my threshold. The last credit, that would have met the threshold amount, has been processing for 7 days. They will not release my funds or close the account. The account also did not increase my credit score as they claim. I just want my money and the account to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX paypal completely limited my account. They gave no reason and still wont give me a reason as to why they are holding almost XXXX of my money. This money was the proceeds of the sale of my mothers home, she passed away on XX/XX/2021. This has too be illegal on so many levels. Paypal has not asked me for any information or documentation on this issue and yet they say they did an investigation on my account? They told me in an email today that they will not release my money until XX/XX/XXXX? How is this fair or Moral? I just cant fathom that a company in the USA is allowed to do this to honest people???????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are calling my job and my cell phone all day long. I am XXXX, work part time and have no way to pay this emergency room bill. I have explained that they are wasting their time but they keep calling and calling my employer is going to get me in trouble.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Lending Club Corp
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: Account information incorrect

Complaint:
In response to Lending Club 's investigation, why did Lending Club take my money if they had sold the balance to XXXX? LendingClub states that they sold the balance to XXXX on XX/XX/XXXX. Please see their response attached ( Paragraph 5 ) referencing account ending in XXXX. 

I sent two different checks to LendIng Club to pay account XXXX. One check was for {$180.00} which was cashed by Lending Club on XX/XX/XXXX. The second check was for {$500.00} and it was cashed by lending club on XX/XX/XXXX. Please see the attached documents as proof. 

LendingClub cashed my checks that referenced account XXXX, but the account was sold to XXXX a few months prior on XX/XX/XXXX. Is this legal that LendingClub cashed my checks and took my money even though they sold the debt to a 3rd party collection agency??? This is iilegal and I request XXXX to delete their negative reporting on my credit as a sign of making things right. You cashed and took my money.

Company response to consumer: Closed with explanation