BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
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: Account information incorrect

Complaint:
XXXX XXXX credit was paid off as shown in previous credit reports now they are showing I owe a balance and saying and giving me a bad credit report with this when it was paid in full

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 2021-09-17
Company: Collections Acquisition Company, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have four accounts that were submitted to me from collections. Company name Payliance.

The checks that were written were fraud/identity theft against me. I have submitted police reports and have resolved this with local District attorney in the county that the checks were written.

Amounts {$220.00}, {$140.00}, {$120.00}, {$380.00}, Two were written on XX/XX/2020 and two on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX  kept reporting fraudulent charges from the gym XXXX, months after I contacted the gym and attempted to cancel the membership. Since I started disputing the fraudulent charges, my account has been reported late to the credit bureaus, which is a violation of the Fair Credit Reporting Act. I have submitted all the necessary documentation and yet you continue to report these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Credit Karma, LLC
State: CT
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:
Closed reports from a few years ago are still on my account. 

XXXX DEPARTMENT STORE Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX. 
XXXX DEPARTMENT STORE Closed Closed on XX/XX/XXXX 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
Ok I started disputing LVNV funding llc back in XX/XX/XXXX I sent a affidavit sign and notarized that this was not my account. I then preceded to send police report and a dispute letter XX/XX/XXXX only for them to verify the account I then sent a 30 days validation of this account no respond about a month later I received another letter of validation without proof of identity no signature and also not the original documents I called the resurgent capital services and told them whats going on they ask me to fax affidavit in I did. I called back 48 hours only to be told they did not get it. Then the next morning I called them back and asked to check status on my dispute she then stated that they received the fax yesterday. But see the other person told me I never sent in no documents then I stated to them that I would like to send me the original documents on this account. I called again yesterday which was the XX/XX/XXXX the person said they mail out the verified account now as Im trying to get this matter taken care of they put a old account thats past the limit law now I have to dispute 2 accounts if my other account is past the time limit why did they added to my report I would like to please remove with positive feedback

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act the listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT NEVER LIVED AT THIS ADDRESS I DID NOT OPEN THIS A ACCOUNT. THIS HAS VIOLATED 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604A SECTION 2 15 U.S.C 1681C ( A ) ( 5 ) 15 U.S.C 1681 5-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
1. I was sent {$990.00} via PayPal over three weeks ago and I still am waiting for the final dispersement of those funds to me.

2. I was, before the funds were frozen, allowed to spend a token amount with no notification that they would take access to the funds away.

3. At every option, I chose to pay extra for instant payout services and never received them.

4. I have paid nearly {$200.00} to PayPal in processing fees that did not result in the expedited action that was to occur. {$990.00} has been reduced to {$810.00}, and I still havent received the last {$210.00} of that. I received no benefit from selecting these " instant transfer '' options, instead experiencing serious financial hardship.

5. PayPal 's policy to return the fees if the transaction is delayed for any reason, displayed prominently whenever an instant transfer is offered, has not been honored for transactions throughout this ordeal -- they refuse to make good on their promises, defrauding me, and likely other customers, effectively holding onto funds without providing any reason at all, and taking additional money into their possession for expedited services they have no intention to provide.

6. In response to queries regarding the status of the funds, a common theme is to claim that they can not disclose reasons for " looking into '' aspects of the holds, citing their use of technologies that do not allow for said insight or overrides to do the right thing and release my funds after promised periods of time.

7. PayPal is in violation of laws, rules and regulations on various levels designed to prevent huge companies from harassing their customers like this, causing financial distress and reducing the customers quality of life.

8. I am demanding an explanation of said delays, a refund of all fees assessed for services not rendered, and a full and final release of my funds into my possession. If penalties are available to prevent PayPal from harassing others with their awful practices, I implore the CFPB to pursue them or give me the option to do so.

Thank you. A fast review of this companies practices would be great as I can't by food or tend to my responsibilities if I don't have access to this valuable resource.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-10-27
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:
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified account

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 2022-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I received an offer from Bank of America to earn {$10.00} bonus if I used the Mobile Banking App to pay a BofA Credit Card bill by XX/XX/XXXX. 
I called BofA and asked if I could pay the bill before XX/XX/XXXX and have the payment post past that date. I was assured I could do this. I then proceeded to process the bill in the BofA account. 
The {$10.00} credit didn't post for several weeks, and I called BofA numerous times, spoke with several people, XXXX, XXXX, XXXX, XXXX and many others. Each and every representative I spoke with assured me that the {$10.00} will be issued, it just " takes time ''. I spent approximately 8 hours of phone time trying to get a {$10.00} issue resolved. 
After several months I contacted BofA by mail and received a reply that the {$10.00} will not be issued since they claim I never activated the account. This is a lie. I contacted XXXX XXXX legal firm to intervene in my behalf. 
BofA retaliated by placing a " charge off '' on my credit report, thereby severely decreasing my nearly perfect credit score of XXXX. 
I cancelled the card on XX/XX/XXXX, and paid off the balance. I held back the {$10.00}, plus {$25.00} for the time I had spent on the phone trying to get this issue resolved. 
I am asking BofA to zero out my account and remove the " charge off '' from credit reporting agencies.

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 2021-09-17
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: Information belongs to someone else

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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: Performance Settlement, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
ON XXXX XXXX, XXXX, WHAT I THOUGHT WAS MAKING ARRANGEMENT TO DEFER MY STUDENT LOANS ONLY TURNED OUT TO BE A SCAM. I ENDED UP AGREEING TO PAY THIS COMPANY [ PERFORMANCE STUDENT LOCAL CONSOLICATION AKA PERFORMANCE SLC, XXXX, A MONTHLY SERVICING FEE FOR FOR {$89.00} PER MONTH. ONLY TO FIND OUT THAT I DID NOT HAVE TO PAY A FEE BUT COULD HAVE SET UP THE ARRANGEMENT DIRECTLY WITH THE DEPARTMENT OF EDUCATION. THE PAYMENTS THAT I HAVE MADE ARE NOT GOING TOWARD THE STUDENT LOAN. IT IS ONLY A FEE THAT IS GOING TO THIS COMPANY. THERE IS NO BENEFIT IS PAYING THIS MONTHLY FEE. MY XXXX XXXX AND MY FATHER 'S XXXX XXXX IS STILL DECREASING BECAUSE THERE THE ARRANGEMENT WAS NOT REPORTED UNTIL RECENTLY. I HAD MADE XXXX PAYMENT DEDUCTED FROM MY FATHER 'S CHECKING ACCOUNT. SINCE THEN, A STOP PAYMENT ORDER HAS BEEN ISSUED AGAINST THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Billing dispute for services

Complaint:
Apparently on XX/XX/2019, I " signed up '' for Transunion 's $ XXXXmonth credit monitoring service. With tax, I was charged {$21.00} on XX/XX/XXXX unbeknownst to me. Again, yesterday, XX/XX/2019, I was again charged {$21.00} for this " service ''. 

This time I noticed the charge ; I was able to cancel my service, and Transunion customer support told me they could issue a refund for the charge yesterday. 

I assume they obtained my email address when I filed for my free credit report ( probably this is when I was subscribed to their " service '' ). The thing is, I NEVER gave them my credit card information, which I assume I would have had to do to subscribe to a monthly charge. 

So they signed me up somehow? I was not aware of this subscription. If you look, I never even used the service in the past month, I have not logged onto their website since the day I received my free credit report. 

Even more infuriating, they never ever sent me a single email confirming my subscription, detailing the service or any other information. It's like they secretly subscribed me to get money out of me hoping I wouldn't notice. 

I assume there was some condition hidden in the free credit report, but they obtained my credit card information elsewhere ( i.e., not from me ). 

I cancelled the subscription I never agreed to this morning. Transunion said they could issue a one-time refund for the second charge from XX/XX/XXXX. I contacted my bank and put a stop payment on Transunion charges, and filed a dispute for the XX/XX/XXXX charge considering I never even used their " service '' during this entire period, nor did they ever email me confirming my subscription or providing the service. 

Very shady and questionable business practices.

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 2021-10-25
Company: Early Warning Services, LLC
State: GA
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: Problem with personal statement of dispute

Complaint:
p have my report and called them and told them that some of the information they were reporting wrong and also i was in a bankruptcy and they refuse to take my bankruptcy information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report. XXXX XXXX {$730.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$400.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$15.00} XXXX XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX XXXX {$1100.00} DPT ED XXXX XXXX {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, 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:
I was the victim of identity theft and have been attempting to resolve issues that have now gone on for several years and there are still some items that the credit bureaus and creditors are not removing. I have filed a FTC Identity Theft Affidavit and provided such to all three consumer reporting agencies and the creditors. 

The remaining items I have not been able to get help in resolving are : 1. XXXXXXXX XXXX XXXX, Acct XXXX, Open XX/XX/XXXX and XXXX XX/XX/XXXX which shows a charge off of {$4200.00}. This is not mine and I have provided all parties documentation of this identity theft. 

2. XXXX XXXX XXXX XXXX : Line of Credit XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$26000.00}. This is not mine and I have furnished all parties documentation. 

3. XXXX XXXX XXXX XXXX : Credit Card, XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$6300.00}. This is not mine and I have furnished all parties documentation. 

4. XXXX XXXX : Credit Card XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$4400.00}. This is not mine and I have furnished all parties documentation. 

5. XXXX XXXX XXXX  : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$14000.00}. This is not mine and I have furnished all parties documentation. 

6. XXXX XXXX XXXX  : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$15000.00}. This is not mine and I have furnished all parties documentation. 

XXXX  XXXX : Credit Card. Do not have the account details. Charge off {$5200.00}. This is not mine and I have furnished all parties documentation. 

I have repeatedly sent copies of my request along with a copy of the Federal Trade Commission Identity Theft Report. Under FCRA Section 605B they have no more than four business days to remove or block. This has now gone on for months and months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX of 2022 I changed my XXXX account and after doing so I no longer had access to my Apple Card ( this is a XXXX managed by Goldman Sachs ). You can not switch the card from one XXXX account to another so I asked to cancel the card. There is no phone number to call and the only way to communicate with the company is through text messages. on XX/XX/2022 in spite of spending an hour texting back and forth they would not cancel my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Equifax several times since XXXX XXXX, XXXX because I am unable to access my credit report online. Since the database break in I 've also not been able to access my report through third party monitoring services. Each time Equifax claims they have no problems on their end and that I and the third party monitoring services are the problem. I had this same problem in XXXX and had to have you all contact them to resolve the matter. The issue is present again and as they did in XXXX, they are giving me the runaround. I need to apply to refinance my mortgage shortly. This is a huge impediment.

Company response to consumer: Closed with explanation