BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-18
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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX and closed.

TRANSUNION  violated federal law, by not properly investigating and reporting inaccurate information on my credit report.

These are the Violations of the Fair Credit Reporting Act.

1. Delete this account, because it shows High Balance {$18000.00} and Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as Charge Off
inXX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXX year ; XX/XX/XXXXyear ; 30 days late  XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively

as C/O reported on my credit report. 4. Delete this account, because it shows Credit Limit {
$17000.00} on a charge off close account.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my TRANSUNION Credit Report and circled the
violations, TRANSUNION violated in red color.

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2023-03-10
Company: Experian Information Solutions Inc.
State: MD
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:
Id like to remove these items off of my credit report due to inaccuracies. Credit bureau are reporting wrong information and are allocating debts that are not mines. Below are the discrepancies that are throughout my credit report. 

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 2018-03-10
Company: CHARLES SCHWAB CORPORATION, THE
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2018, I opened an online checking account with XXXX XXXX XXXX on the Scwab.com Customer Center. It wasn't until attempting to establish direct deposit that I learned XXXX XXXX XXXX had closed its online account. I learned the company had closed the account without sending any written notification that provided any reason for its closure. I felt betrayed and hurt because I thought establishing direct deposit with a trusted bank would make life easier. Evidently, XXXX XXXX XXXX neither values my time nor money because it doesn't want my business. It's company doesn't care about treating customers respectfully by providing answers to their questions and information about their accounts. After this experience, I do not trust American financial institutions and will never deposit my hard earned money into one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Date : XX/XX/2020 I Tried to make a payment of {$3100.00} to a Bank of America mastercard in cash! and the machine got jammed! I Never got the money back! On XX/XX/2020 at XXXX XXXX at Bank of America Branch ATM with ID # XXXX, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX .The ATM machine only gave me a ticket that says " We apologize for the inconvenience. We are unable to process your request and can not return your items ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. '' I did call but to this day no letter or any response. Please help.

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 2018-07-31
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX has sold an old debt ( {$1400.00} cell phone bill ) from XX/XX/XXXX-XX/XX/XXXX to numerous debt collection companies as if it was current. I have not used XXXX since that time, as my cell phone carrier. The companies are falsely reporting and then selling to other debt collection companies that is continually affecting my credit, credit scores, and my life! It has reduced my chances of improving my creditworthiness for more than the statute of limitations due for this debt!

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 2019-12-01
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have filed a dispute with XXXX XXXX and the creditor has not provided any information to me to verify this account. I have reached out to them and gave them my name and social and they said I dont have a account 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 explanation
Consumer complaint received 2018-07-31
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I ask to Paypal to issue a refund ( {$62.00} ) because an item I paid online on XX/XX/2018 ( not XXXX ) and they open a case ( Case # XXXX ) I had satisfied all they ask for and they told me on XX/XX/XXXX that will issue the refund and it is XX/XX/XXXX and I didn't receive my refund yet. Aslo paypal had limited my paypal account for some item I sold on XXXX but I didt have the receipt of purchase on my name so they limited my account by paypal policy which it is they right, but why they are still keeping mi information even thought I ask for remove it from their server company and I'm very concern because paypal has been hacked several time. I talk to paypal several time and the refuse to remove my financial and personal information which in my opinion shouldnt be legal or allow. 
please if this matter is not part of your department could you guide me where should I submit my issue. 
thanks XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2018, I paid the following debt on on my XXXX XXXX XXXX credit account and have not received a paid in full letter. I have requested this information through the company several times and they have been unable to provide me with this information. I recently called requesting to speak with someone American. I also requested to speak with a supervisor. Both of my requests were ignored. I can not help but think this company has taken my money and not reported that I paid this debt off to all 3 credit agencies. 

Account # : 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 2017-09-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Due to the recent Equifax hack, which left over XXXX XXXX people 's personal data exposed and at risk, I have had to freeze my credit report with all three major credit reporting companies. The process of freezing credit reports cost me {$7.00} per company, or {$22.00}. I find it offensive and immoral that I need to pay the company that left my personal information unsecured in order to prevent identity theft, possibly for the rest of my life. Each time I intend to apply for a line of credit I will need to incur costs for each unfreezing and subsequent refreezing of my reports as well. The lifetime cost of this hack may result in loss of hundreds of dollars per individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, 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:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all XXXX credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : XXXX. XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Dear CFPB, I am writing to report an issue with American Express ( " AMEX '' ) Gold Delta SkyMiles Credit Card ( " AMEX Delta '' ). 

I was referred to apply for an AMEX Delta credit card. ( Please see attachment # 1 ). I was supposed to received XXXX Delta SkyMiles as a referral bonus after I spend {$3000.00} in purchases on the card in the  first 4 months of card membership. 

I have met the requirement in the first two billing cycles. However, AMEX didn't honor what they advertised. 

I have called customer service center twice to request the XXXX Delta SkyMiles bonus as advertised/promoted. AMEX 's response was simply I am not qualified for the bonus. 

I requested further explanation but they didn't provide any explanation. They are keep saying that I am abusing AMEX bonus promotion. 

I further explained that I closed one personal AMEX account and one corporate AMEX account ( this is due to change of employer ) and opened one corporate AMEX account ( this is due to new employer ) within two years. 

They didn't think this is abuse of AMEX bonus promotion. However, they told me that the decision was already made and can't be changed. 

I believe I earned the bonus by meeting their requirement from the advertisement. I have not abused AMEX bonus promotion as they acknowledged. 

Please help me to resolve the issue. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On XXXX, I upgraded my American Express Gold card to the Platinum card and successfully met the expenses requirements to receive XXXX bonus points. However, I later downgraded my card to Gold on XXXX unaware that doing so would result in the removal of my bonus points. Despite contacting customer service on XXXX to cancel the downgrade and recover my points, I was informed on XXXX that there was nothing that could be done to resolve my case. It is disappointing that I was not warned about the potential loss of bonus points during the downgrading process, and the lengthy disclosure made it challenging to find this information. I am hoping for a satisfactory resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, 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:
Attached are documents which show that several payments were made in the month of XXXX XXXX and XXXX. ) The reason for this dispute is in reference to wrongfully information reported on my credit report with XXXX, Equifax and XX/XX/XXXX The account stated below from XXXX XXXX is incorrectly reported as a late payment for the month of XXXX XXXX. This needs to be removed immediately as this is hurting my credit score significantly. All months were paid on time and never late. Please update this information on my credit file. 

Please make sure that my contact number is visible/ provided in the Personal Statement section of my credit file. Asking al creditors to contact me first before issuing credit. Due to my personal information being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I initiated a transfer via Western Union for {$180.00} + {$12.00} service charge, for a total {$190.00} ( tracking # XXXX ). Two hours later, the recipient ( my son ) told me that WU refused to release the funds to him, and WU stated they were refunding the transfer to me ( the sender ). No reason was provided by WU. I went to a different WU outlet ( a different XXXX grocery store ), and they finally issued a refund in the amount of {$19.00}. The refund was reduced by a factor of ten. Someone obviously left off a zero. The clerk told me that what I received was the entire refund, and there was nothing she could do. I went back to the original XXXX to retrieve the rest of my transfer stub ( which I had thrown away and was fortunate to retrieve ), as directed by a WU supervisor. I tried to get the rest of my money there, and instead was given a case # XXXX and told to wait 24-48 hours! The next day, I called WU again, and spoke with a supervisor. They told me to go back to the 2nd XXXX ( who gave me the {$19.00} refund ), and that store would give me the balance of {$170.00}. So I drove back to the 2nd XXXX on XX/XX/XXXX, and they told me I already got my refund! ( Again! ) I wrote a letter sent certified mail on XX/XX/XXXX, received XX/XX/XXXX. Still no callback from WU. So I spoke with another WU supervisor and got another case # XXXX, and told to wait another 24-48 hours while they " investigate ''. There's nothing to investigate! It is abundantly clear that I was underpaid by a factor of ten. That's it. No investigation required. I was told to wait for a callback from WU, and when I still got no callback 24 hours later, I submitted a complaint on WU 's website claim form. I have now received yet another case # XXXX, and told to wait 24-48 hours! I am still no closer to getting my money back. Help!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
Company: Solar Mosaic LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
We got a loan for XXXX through XXXX XXXX XXXX. XXXX finance this purchase they were supposed to make installment payments but instead paid the whole thing to XXXX XXXX and we still do not have this product we bought it in XX/XX/2022 and we have been paying monthly payments every month with interest for something we did not even get. We have contacted Mosaic and ask them to stop payments and interest until we receive the product that we are supposed to be purchasing but now XXXX XXXX XXXX is no longer in business and the US government has shut them down

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want to get them all to delete my personal information. I don't want anything to do with for profit agencies that sell my information and are subject to massive security breaches. We should have the option to do business with such agencies and the right to consent to them possessing sensitive data.

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 2019-02-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1 ). I am the object of collection activity arising from consumer debt.

2 ). Select Portfolio Servicing is a debt collector as defined by the FDCPA.

3 ). Select Portfolio Servicing has engaged in acts and omission prohibited by the FDCPA.

Specifically the fact originator XXXX XXXX XXXX was not incorporated nor licensed to do business within the State of Connecticut at loan origination in XXXX, thereby violates Section 1692e of the FDCPA by using " false, deceptive or misleading representation or means in connection with the collection of any debt ''.

Secondly, even if the debt were legitimate, the Statute of Limitations well expired on any collection efforts ( XXXX - late XXXX ). 

And, finally, I have very good reason to believe the prior servicer, XXXX XXXX XXXX, received payment in full on said instrument. If this proves to be true then " [ t ] he false representation of the character, amount, or legal status of any debt, '' and " [ t ] he threat to take any action that can not legally be taken or that is not intended to be taken ', has been violated. 15 USC Section 1692e ( 2 ) ( A ). 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to file a formal complaint against the Companies/Organizations stated below regarding unauthorized inquiries and the misuse of my credit report. I believe that this company has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), and I kindly request your assistance in investigating and resolving this matter. 

The details of the unauthorized inquiries and misuse of my credit report are as follows : 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 Unauthorized Inquiries : On the dates stated above, I discovered that the Companies/Organizations stated above had made unauthorized inquiries into my credit report without my knowledge or consent. These inquiries were conducted without any permissible purpose under the FCRA. I have attached copies of my credit reports that clearly indicate the unauthorized inquiries made by the company. 

Misuse of Credit Report : Furthermore, I have reason to believe that the Companies/Organizations has misused my credit report by accessing it for reasons unrelated to any legitimate business transactions or as required by law. This constitutes a violation of my privacy rights and is in direct contravention of the FCRA provisions. I have not engaged in any business dealings or transactions with this company that would justify their access to 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 explanation