BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022

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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 TRIED TO DISPUTE THE 2 COLLECTION ACCOUNTS THAT DON'T NOT BELONG TO ME AND GOT NO RESPONSE

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 2020-06-02
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Received unsolicited prepaid debit card from Netspend ( a subsidiary of XXXX ) via mail. Apparently you are able to link the card to direct deposit or add funds at a store. This is not the sort of thing that should be mailed unsolicited as it is ripe for identity theft and fraud. Attempted to contact the bank to close/cancel the account but there was no way to do so without first activating the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to purchase a {$40.00} XXXX XXXX from XXXX XXXX XXXX thru pay pal- they did not disclose the shipping amount at checkout. then they charged my account over $ XXXXUS for shipping of this item from XXXX XXXX charge was in Pounds.- So I immediately contacted Pay Pal and submitted a case for fraudulent charges Case # XXXX, they denied the claim and then I submitted an appeal saying you can not charge people for an undisclosed shipping amount its illegal. I also put a stop payment thru my bank account to make sure I did not pay the financial crippling charge for shipping the item. The bank did return the draft and now PayPal is saying that I owe them the money- I contacted pay pal again today and explained the situation and told them I had done everything I should have by immediately alerting them to the situation and alerting the company. They stated XXXX they don't care they want the money. 
I also corresponded via email with the actual company multiple emails requesting confirmation of cancellation of the order and have not received that back yet from them I called my Congressman XXXX XXXX XXXX and they reccommended that I reach out to you for assistance regarding this matter. 
Here is a copy of order XXXX XXXX SKU : XXXX XXXX XXXX  XXXX XXXX - Delivery w/c XXXX XX/XX/2021 XXXX XXXX Delivery Method : Delivery Unavailable please contact us Products : Delivery : Including VAT @ 20 % : XXXX XXXX XXXX TOTAL XXXX this is this was one of the emails from PayPal XXXX XXXX SKU : XXXX XXXX of XXXX XXXX - Delivery w/c XXXX XX/XX/2021 XXXX XXXX Delivery Method : Delivery Unavailable please contact us Products : Delivery : Including VAT @ 20 % : XXXX XXXX XXXX TOTAL XXXX This is what PayPal says I owe them {$14000.00} USD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-07-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have reached out to the company several times about their additional fees and charges, some of the payments were not published. They also have new fees that were hidden and I was not aware. They are predatory lending and I wish to have the company exposed. They are reporting false information to the credit bureaus monthly.

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 2023-01-02
Company: EQUIFAX, INC.
State: VA
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 XXXX Account 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX .... 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
hi my name is XXXX XXXX XXXX ; my email is XXXXXXXXXXXX ; my phone is XXXX please credit me {$1000.00} in travel rewards or XXXX membership reward for the American express gold card ending XXXX with date XXXX ; 4 months ago American express send me a welcome credit card offer '' spend {$5000.00} in the first 3 month received XXXX membership reward and spend another {$5000.00} in the same period received another XXXX membership reward point with total of XXXX with AE gold ending XXXX ; I comply to rule and regulation on the welcome offer, however I did not received XXXX reward membership point AE promised because they check that I had it long time ago ; but I appeal to AE decision of denial beause if I had that offer and AE has a record of it why did they 1. send the welcome offer and approve my credit card application ; if the approve the credit application that mean the rule and regulation of the welcome offer is comply ; 2. in the welcome offer did not said that if I had the offer already it wont work ; 3. the should not approve the credit application and trick me to spend {$10000.00} worth of transaction in 3 months because they benefit 5 % of the {$10000.00} money ; 4. please fired the lady name XXXX because she harash and discriminated against me ; I talk to XXXX with id XXXX and her manager XXXX with id XXXX for my appeal and they told me to wait for 10 days but it is been 3 months and my reward account has not been credit XXXX point ; they lied, cheated and robbeby my traveling money ; I had no choice but to file a complaint against American express credit card ; please credit me {$1000.00} worth in airline reward or XXXX reward points immediately ; I had relative XXXX in XXXX and I need to book a ticket right now and do n't have time to wait any longer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX of XXXX, I contacted my mortgage company after receiving a statement with a balance of XXXX. Since then I have had concerns and questions about it and I still have not received any answers. I have been a victim of an unlawful foreclosure. I have called numerous times and spoke with reps and supervisors before the sale date, which was on XXXX XXXX. They only lied and guaranteed me that they would do their research and call me back. Needless to say they did not. I spoke with the foreclosure attorney and he gave me his direct contact number after I told him everything I have paid out and my issues. He even realized that something fraudulent had taken place. He also told me that he would call me in a couple of days after his research and if not to call him. He did not call so I called him and left a message. He did not return my call, so I waited another day and called him back and now he has an invalid number. My initial question was, why is my mortgage company charging me for arrears that I paid through my bankruptcy, in the amount of XXXX. It was completed and I was XXXX in XXXX XXXX. I also had a loan modification in XXXX which should have taken care of those arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: TX
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:
Written disputes mailed certified XX/XX/XXXX. Requesting investigation and proof of debt plus method of investigation following FCRA guidelines. Asked for removal of inaccurate unknown accounts. Disputes closed with no further information nor proof of debt. Inaccurate accounts remain on credit profile. 

Filed online disputes via credit reporting site XX/XX/XXXX. Disputes closed inaccurately and disputed accounts remain.

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 2017-12-11
Company: EQUIFAX, INC.
State: AZ
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 and the recent Equifax data breach. Equifax put a fraudulent and unauthorized account from XXXX XXXX XXXX that Equifax previously deleted and permanently blocked from my credit report. The following accounts are fraudulent, unauthorized and dont belong to me : XXXXXXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX, these accounts are fraudulent and dont belong to me. The are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: CRED Technologies dba cred.ai
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/2022 I submitted three disputes in the amounts of {$200.00}, {$190.00}, and {$170.00} and change. After giving Cred.ai the allotted time frame of 10 days as stated in their terms and conditions regarding disputes I decided to call their Customer Support number as advised. They call this their " 24 hr emergency support line '' which is nothing of the sort, this hotline is simply 3rd party agents hired by Cred.ai taking your concerns and fwrding it to a dedicated team, which as a customer you have no real access to. These agents also state that they have no access to real account info as Cred.ai has limited their access to any account info which is a lie, as Ive called numerous of times and gotten info regarding my disputes, for example on XX/XX/XXXX I called in to ask about provisional credit expected and well over due. Agent stated that I would receive it the following day XX/XX/XXXX after XXXX XXXX which another rep confirmed on another occasion I called in after the credit never reached my available to spend. Following the 10days Ive been calling almost everyday for updates requesting call backs emails, something to keep me in the loop. No call backs emails pertaining to my request have been addressed. With out exaggeration Ive requested more than 20 follow ups. Fast Fwrd to XX/XX/XXXX I receive a denial email of 2 out 3 claims, which I believe Cred.ai had no real interest in properply assisting in the recovery of my funds. After receiving their denial email I immediately respond requesting to file an appeal as I did not and still do not agree with the outcome and the handling of my claim, additionally I request, to this day, 6 times for their supporting documents pertaining to their investigation as per their request they asked me to provide additional info to assist in the appeal. I find this difficult as I can not review or compare any info they might already have, more importantly the intake of my dispute. I feel Cred.ai has not been compliant wit Reg E or Z. It is to my understanding that that weather the outcome of my claim is in my favor or not Cred.ai must pay {$50.00} per claim in which the processes outline for Reg E and Z and as stated in their terms and conditions further more Cred.ai has been negligent in responding in timely manner or just responding in general as mentioned above I have requested supporting documents of their investigation and they have declined to provide me with as per their actions. Cred.ai should not be allowed to be in finance with such unethical behavior and should be healed to such standards such as others Im the financial industry. They should not be expect from following proper protocol and procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion Credit Reporting Bureau received my request for re-investigation of disputed information on XX/XX/2020 as provide by certified receipt. TransUnion failed to conduct a re investigation of my dispute and they failed to notify me of their decision to terminate a re-investigation ( if such a decision was made ) pursuant to Civil Code 1785.16. 

Upon my request for re-investigation of the disputed information pursuant to my letter to TransUnion dated XX/XX/2020, consumer law requires that they re-investigate and record the current status of the disputed information before the end of the 30th business day period beginning on the date they received such notice of the disputed item from me.

Since the end of the 30-business-day period has elapsed on XX/XX/2020, TransUnion must delete the inaccurate information immediately pursuant to Civil Code 1785.16 ( b ). Despite that I again notified TransUnion of the problem on XX/XX/2020, TransUnion continues to ignore my requests as if their modus operandi is to make it as difficult as possible to the consumer to remove inaccurate information. To date, TransUnion continues to report the inaccurate information on my consumer credit report from 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 2023-05-26
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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX 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 2020-11-27
Company: PENTAGON FEDERAL CREDIT UNION
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:
I had a HELOC with Pentagon Federal Credit Union ( PenFed ) that matured. I was making regular payments well above the minimum payment amount up to that point ( and continued to make payments in the same amount after the loan matured ). I didn't realize the entire balance of the loan was due until I called PenFed on XX/XX/XXXX after being charged a late payment fee on XX/XX/XXXX. 

While speaking to " Ms. XXXX '' ( she refused to provide her first name ) from the Mortgage Department at PenFed on XX/XX/XXXX, I told her that while I could drain my savings to pay off the balance, I preferred not to do that if there was another option that would not result in adverse actions against me. Ms. XXXX told me that if I refinanced the loan through PenFed, no adverse actions, including negative reports against my credit, would be taken against me while the new loan was being processed. Based on that information, I began the application process for that new HELOC at that time. 

While my new HELOC was being processed, my wife and I continued to receive delinquent notices for the old HELOC. I called PenFed 's Mortgage Department after receiving the first of those notices and, again, spoke with Ms. XXXX, who told me those notices were sent from an automated system that could not be turned off. Ms. XXXX reassured me that no negative reports would be made against my credit. 

My new HELOC was approved and funded at the end of XX/XX/XXXX. I, recently, discovered PenFed reported 30, 60, and 90-day delinquencies on my and my wife 's credit for the old HELOC. I called PenFed today and was told they would not reverse the negative reports because they were based on " accurate information. '' I was told this by the initial representative with whom I spoke and his supervisor, XXXX ( ID # XXXX ). I informed XXXX that my decision to refinance the loan was based on a bad faith negotiation on their part ( lying to me about not taking adverse action if I refinanced with them XXXX, but she would not budge from her position. 

I asked to speak with someone above XXXX, and she advised she would have a manager contact me. I am still waiting for a manager to contact me, but I have little confidence that PenFed will do the right thing since they clearly lied to me in the first place ( Ms. XXXX also said she would put a request in the system to reverse the late payment fee and those fees, typically, would be reversed upon closing the new loan, but PenFed has since told me that was incorrect information and they refused to reverse that fee ). Basically, they told me two lies that led to my decision to refinance with them, and now they refuse to make any corrections.

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 2023-05-17
Company: OPORTUN FINANCIAL CORPORATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Yesterday this company tried to direct debit my account for absolutely no reason. I reached out to their customer service as to figure out why. In doing my own research I found out I had submitted an application to them in XXXX. But as far as I could tell my application was denied. I've never had any other dealings with this company. Yet again they tried to debit my account for minuscule amount yesterday. It's not about the amount it's the fact that you have access to my information. I reach out to your company and was talked to in a rude and condescending manner. I don't give a XXXX if it was a penny or a nickel my money is my money. Oportun you have NO permission to reach your hand into my account and try to take from me or my family. Your company is absolute trash and stands behind nothing. But that's fine you don't have to be reputable company. That's why they're entities to report questionable businesses too. That will investigate and go ahead and shut scam artists down. I reached out to my bank to have them blocked. As I got some smart-ass response from somebody at their company via email. My next step is to contact the authorities and have a lawyer sue the XXXX out of your company. If you keep trying to take for me something that I don't owe you. They tried to debit {$2.00} XX/XX/XXXX for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a notification. From XXXX  that 2 debt accounts have been added to my credit. One for {$220.00} and {$80.00} I have not received no information about debt. I do not have any collection on my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation