BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

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 2018-10-04
Company: JTM Capital Management, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
JTM management phone number XXXX.

Called me and threatened to take me to court they also threatened to garnish my wages from work. I only make minimum wage at work and my second source of income is XXXX XXXX XXXX. They told me that this involved a payday loan that I took out from XXXX XXXX over a year ago. Which is now gone up to {$710.00} according to XXXX XXXX. When I called XXXX XXXX they told me that they sold my account papers over to JTM management. XXXX XXXX number is ( XXXX ) XXXX. Attached is part of the second source of my income which is XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: TN
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:
Incorrect Reporting

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 2021-12-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I can not cancel my XXXX XXXX XXXX XXXX credit card. I have called and emailed the credit card company directly requesting my account be closed. They do not answer calls, I was sent to an automated system and opted to cancel my account yet the account remains open. The company continues to charge {$2.00} account fees each month. I've contacted the business for which I got the card in the first place ( XXXX & XXXX ) and they said they can not help me and have nothing to do with the credit card company that they work with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2021-12-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
violation of my right to privacy, unauthorized use of 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
Consumer complaint received 2023-02-25
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions

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 2022-10-07
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This account continues to be a mystery to me, please remove this entry and cease and desist all future collection efforts because this company failed to validate. I understand that I do not have any financial obligation to this company in relation to the statute of limitations of this debt because is expired. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. I'm asking you to please DELETE this account from my file immediately! 


Original creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, I am writing to formally contest the inclusion of specific items within my consumer report that I believe have been reported without my explicit written consent. I am raising this issue in accordance with the provisions outlined in 15 USC 1681b, which safeguards the confidentiality of consumer information. Additionally, there is no record of written consent to include my XXXX XXXX bankruptcy in my consumer report.

I have previously filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized disclosure of my personal information, which I strongly believe constitutes identity theft. I have been assigned a reference number for this FTC report, identified as XXXX. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly halt the reporting of any information in a consumers file that the consumer identifies as information stemming from suspected identity theft. I respectfully request that you comply with this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name- 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have not been able to access my account at Ally Bank for the past 5 days. 
Their customer service phone numbers do not work. 
For the past 5 days, the site Ally, com loads but the links are dead. The page then disappears. A message says Something has gone wrong. 
Their customer service phone number ( XXXX XXXX ) connects to a high pressure medical device company. 
Their Report Fraud number ( XXXX XXXX ) does not connect at all. 
Can you 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 explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX and Experian reported my utilization rate changed from 5 % to 23 % by reporting a balance of {$1700.00} for a XXXX  XXXX account. My balance for XXXX  XXXX was report as a XXXX $ balance for XXXX and XXXX. My score decreased XXXX points instead of it increasing and this is hurting my chances of homeownership. I mailed a letter to all bureaus and this issue has not been resolved. My credit card statement billing cycle did not end until XXXX and this balance was reported on XXXX before the billing cycle ended. The credit card was paid off prior to the billing cycle ending which is not supposed to happen. Please see attachements

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 2017-10-31
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was contacted by a person who wanted to purchase a XXXX I had posted on XXXX and he asked me to please request the money through paypal which I did, shortly after that I started receiving emails from paypal service with instructions on how I should send package and that money was in my account waiting for me to mail out package so they can give me credit on my account, I went ahead and mailed package as instructed and sent them verification as instructed in emails, however it was all a fraud, I am not blaming paypal for the fraud but I have contacted them on XX/XX/XXXX and XX/XX/XXXXand requested for them to investigate who this person is, they must have an account with Paypal and they have not even tried to help me with this situation, I am out XXXX and they do nothing to stop this person by shutting down this account so he is not able to do this to other people, I sent the emails the buyer sent me and they tell me they are not fraudulent? so then where is my money??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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:
Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the date, account ( s ) and account number ( s ) .This request has been denied and I would like thiese inaccurate information to be REMOVED. 

DATE DISPUTED XXXX IN XXXX XXXX AND EQUIFAX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX I would also like thiese inaccurate information to be UPDATED TO POSITIVE. 
DATE DISPUTED XXXX IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
After reviewing my credit report and notice there are some accounts that are still reporting and they are paid in full and should be deleted from my file. I have also noticed some accounts are reporting from a third party company and should be deleting because I have no signed contracts with them. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: TX
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still 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 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 explanation
Consumer complaint received 2019-12-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company at fault : Shellpoint ( Mortgage Servicing ) My mortgage was recently transferred from XXXX to Shellpoint XX/XX/2019. In the first billing statement Shellpoint applied a {$15.00} surcharge. According to the company it was a house inspection verifying the existence of property. I did not receive advance notice, consent to this charge and it is not a part of Mortgage Servicing standard agreement. This charge is unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Upstart Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a 1099-C cancellation of debt but still getting request from debt collector requesting money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called today to close my checking and savings account with PNC bank. The representative, without my permission, unilaterally transferred the XXXX XXXX  remaining in my savings to my checking account. The balance of the checking account is almost {$1500.00}. After making this unauthorized transfer, the PNC computer system would not allow immediate closure of my primary checking account which means I will have to call back another time to do so, AND there will be a considerable delay in me receiving my funds which will in turn cost me the interest that money would earn in another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my Experian and XXXX credit files by XXXX XXXX so I drafted up a letter and mailed it to XXXX XXXX  via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because XXXX XXXX refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word "Refused XX/XX/XXXX" written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to XXXX XXXX  deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.

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 2020-11-05
Company: Experian Information Solutions Inc.
State: OK
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:
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 OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX  XXXX {$13000.00} XXXX  XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX/XXXX XXXX  XXXX {$18000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: GA
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX & Experian are govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed becasue Accoring to 15 USC 1681. I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts XXXX. XXXX XXXX ( XXXX XXXX XXXX ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) XXXX. XXXX XXXXXXXX XXXX  XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX XXXX ( XX/XX/2022 XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) They have also violated me under codes 15 USC 1692 ( B ) ( 2 ) & 15 USC 6802

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 2021-12-10
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
I closed My American express account after XXXX years of on-time payments due to them dropping My spending limit from {$50000.00} to {$500.00} for NO reason. The XXXX card costs {$550.00} annually, so I asked for My annual membership fee back. They sent a check, I deposited it. XXXX months later I get a statement for {$660.00}? I closed the account on XX/XX/20, Inquired about the debt, they said they sent a " XXXX Check '' that was cashed? That never happened! I asked to have an image of both signed checks sent to Me and they never did and still have not. It was sent to a debt collector and My credit is still suffering because of their mistake. I hired a XXXX to force the end of this and he got nowhere as well. I have sent letters to corporate, no reply, spent hours on the phone, hired a XXXX with no progress. I have spent more money proving My position and it is still costing Me money every month on other accounts because of My credit rating. 
Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-07
Company: Service Finance Holdings, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from SERVICE FINANCE CO LLC located at XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation