BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Experian Information Solutions 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 status incorrect

Complaint:
I started the loan in XX/XX/2021 Ive made payments then fell behind. XXXX sent a right to cure letter I then paid what was past due to keep my account active. They have been reporting my account and late then when I disputed it with Experian they changed the lates to charged off. When they charge off months was paid. I asked them numerous times is my account charged off they stated no in their chat on the app. Ive been fixing my credit to notice they still have it as charged off and Im still making payments to the account. The account states Im on track and nothing is past due and account active. I had to make multiple payments instead of one lump sum payments which my bank locked my card for fraud.

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 2023-08-07
Company: Early Warning Services, LLC
State: TX
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: Problem getting your free annual credit report

Complaint:
" Per 15 USC 1681g this letter is my request for a copy of the complete contents of the file you maintain on me as of the date of this request. Enclosed please find a copy of my id... '' I have requested a complete copy of my credit profile and report from EWS yet now action or document has been recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Credit card fraud. A new card was issued without my knowledge and over {$5000.00} dollars worth of fraudulent charges were made without my consent. I filed a fraud claim with the bank and filed a police report for missing card. The bank came back saying that they concluded that the charges were not fraudulent and I am responsible. I did not make these purchases or authorize them. The way I found out there was another card was someone had made a payment on the card. That payment was rejected as someone did a stop payment on it. I have closed the account but theres still a card issued that I dont have again. According to my online bank its not activated. Please let me know if you are able to assist me.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My consumer report contains information about my transaction and experiences and according to 15 USC 1681a " A consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report ''. My utilization which is an experience has been included 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 2022-09-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My previous complaint about unfair practices by PayPal was not resolved and was closed under unknown to me circumstances. I have to file a new complaint, because outrageous violations were performed by PayPal and have to be put on record for further actions. My actions with my money on my account were wiped off. This is unacceptable and requires the appropriate investigation. 
I appreciate the alert that PayPal submitted their response to my previous complaint that was filed on XX/XX/XXXX and my rebuttal is awaited. But why did the CFPB put on my page account that the complaint closed??? It is confusing and not understandable why my complaint got closed before that complaint is resolved. How come the complaint has that notice that it is closed? 
The PayPal response on that complaint was a fraud. I have to request all financial transactions that were done in real after XX/XX/XXXX until the current date that will determine that PayPal covered up its unfair practices and perjured along with covering up the secret conspiracy between PayPal and XXXX XXXX XXXX. PayPal deleted all transactions from my account between XXXX XXXX and PayPal and deleted the record of the linked XXXX account that was listed on my PayPal page account on and after XX/XX/XXXX. Two transactions of {$5000.00} were scheduled from PayPal to XXXX in XXXX and in XX/XX/XXXX and money showed up on my XXXX account and after that disappeared. I believe it is more than illegal to wipe any transaction that was scheduled and initiated and PayPal did it. Fortunately, the attachment of PayPal 's email was saved by me confirming that XXXX was linked on XX/XX/XXXX. I am asking CFPB for help to send my demand for all financial transactions on my PayPal account from XX/XX/XXXX until the current date. How is that possible to wipe off any financial transactions from the account? Does it mean that PayPal is an extremely dangerous financial institution? 
About two fees each of {$29.00} that were charged on two transfers of {$1000.00} that was done through family and friends option at no fees as usually, based on the history for two years, is out of questions that PayPal took an advantage and has to return the second fees of {$29.00} too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
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: Investigation took more than 30 days

Complaint:
I have submitted multiple disputes with TransUnion and XXXX. This concerns a late payment report by XXXX XXXX XXXX in XX/XX/2017. Creditor agreed to remove information from my credit report. I have never been behind on payments and account was paid in full. Though multiple disputes have been filed with both credit reporting companies, nothing has changed. The most recent dispute was over 2 months ago with no information provided. Previous disputes reported that the information would be removed. Thus has not happened and it is still impacting my credit report. 

I request the information be removed immediately or documentation provided showing the account balance, amount paid to date, beginning balance and minimum payment. We have never been late on a payment as we paid in excess of the minimum due at the time of this claim.

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 2023-08-07
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a promotional purchase on XX/XX/XXXX of {$1000.00} from Best Buy using the Citibank card. Since that purchase, I have made payments totaling more than enough to clear my promotional balance by the XX/XX/XXXX due date. When reviewing my statement, I see Citibank still shows me owing a balance on my promotional purchase. I called and requested my payments be reallocated to correctly reflect and pay off the promotional balance to keep me from being charged over {$250.00} in interests. I was told by Citi that I had to call after each payment and ask that my payments be reallocated. That's a ridiculous request. I made all payments online which should indicate to them I have no time to sit on the phone to make such a request. Additionally, Citibank provides no option when making an online payment to request allocation to the promotional balance.

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 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
In accordance with the Fair Credit Reporting act Capital One Auto Finance 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: CO
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, this is XXXX XXXX I want to submit this complaint because I have sent three rounds of dispute letters to XXXX. One for the illegal collection fees on the account. And two asking for the original contracts of the supposed account. Three, asking for method of verification. After all this accounts remain with no method of verification and illegaly reinsertion of collection agency once already removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$13000.00}

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 non-monetary relief
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I signed a closing eDoc, and on that document, it indicated that was was to get around {$16.00} for a refund. When the notary appeared at my home, those documents were different. I was to pay {$290.00}. I asked the notary about it, but he said he did not work for XXXX XXXX. He told me that I had 20 days to change my mind. I signed the documents, and then sent an email to XXXX XXXX, and I made a phone call. I figured they wee never going to call me back, so I called XXXX to set up the wire because I was afraid if I did not, I would get kicked out of the bank 's house. 

I downloaded the eDoc and I have to one from the notary. There are also other differences as well, but that was the first one I noticed. 

I thank you in advance for your assistance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America denied my claim using various reasons. I have attached a copy of the previous complaint as reference. I would like to know what are the next steps I can take to recover my funds. I do not agree with the decision that was made I did not make the transactions in question. I do not believe I should accept a loss that occurred through no fault of my own. I am respectfully requesting that BOA please take another look at my claim. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I got a copy of my credit report and wanted to dispute the unverified accounts. I sent a letter to Transunion disputing the unverified accounts and the bankruptcies on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -TransUnion is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. I received a response from Transunion on XX/XX/2019stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to TransUnion on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got a response from TransUnion on XX/XX/2019 stating that all accounts were accurate and verified but they did not send any proof. In accordance with s.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I sent a third letter on XX/XX/2019 requesting that they immediately delete the disputed information from my credit report. I got a response on XX/XX/2019 from TransUnion stating the same thing. Is like they did not even take my dispute seriously. They sent no proof but are stating the items are reporting accurately. Feeling extremely frustrated I sent out my fourth letter to TransUnion on XX/XX/2019 disputing the unverified accounts and the bankruptcies listed on credit report. I got a response from TransUnion on XX/XX/2019 stating that all accounts were verified and are accurate.. I am now filing a complaint because TransUnion should follow the law when reporting to items to people credit reports. I would like items to taken off my account immediately. Please delete all unverified accounts, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Chapter XXXX Bankruptcy

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A citi fraudulent account is on my credit report hindering me from using my credit at retail stores. I rely on my credit to buy inventory for my business but this citi account has been affecting my credit report for some while now.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/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 2023-08-07
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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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