BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
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:
Dear XXXX, TransUnion and XXXX. 

XXXX account # XXXX According to the FCRA 15USC 1681B Permissible purpose- The XXXX ChargeOff account is inaccurate and is in violation of my rights and defamation of my character. 

On XXXX XXXX I mailed out letter for verification of the negative XXXX XXXX that is being placed on my credit report. ( see attachment letter ) I mailed it certified ( see attached receipt ) using the address on my credit report. XXXX NEVER responded to my letter within or pass the 30 day mark. They also never updated my account with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and creditors that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 

This account was not validated and because of that I DEMAND that this inaccurate account be removed off my credit file ASAP!

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 2023-03-13
Company: CCS Financial Services, 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:
On XXXX, 2021 a collection from credit collection service was reported to my XXXX credit and I believe it is a fraudulent account after man attempts to get it remove XXXX still hasnt removed it claiming it has been verified but I dont believe it has can you please look into it

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I rediscovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance {$24000.00} DEPT OF ED/XXXX  XXXX  Balance : {$24000.00}

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 keep asking TransUnion, XXXX, XXXX to provide proof of why or how they claim the collection agency is accurate. I keep asking for what they used to investigation the collection agency is accurate. No one can provide the information because it does NOT exist. The collection agency is lying and Manipulating the system. The keep sending a copy of the lease. But fail to abide by the 48 district court judgment

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 2023-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Date:XX/XX/2018 Amount:XXXXHKD Action : purchasing contact lens from XXXX, and then received damaged item. Not willing to refund me, after contacting PayPal, they can only send refund if I pay for the returning shipping which is half of the price of the contact lends that I bought. So that means I only receive partial refund by paying for the sellers fault. The PayPals buyer protection actually protecting the seller!! Trying to dispute this charge from my bank account, but it seemed to late since I wasted my time on communicating with PayPal! Lesson learned!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX my account was suspended without any noticed from chime back. So I contact chime to see why my account was frozen they told me I needed to verify my identity to unfreeze account so I did as I was told and provided all documents requested in a email to support @ chime and also to review @ chime no response so after 3/4 days I received a email fro chime requesting for information so I sent them over with no problem praying to get my money in the middle of a pandemic chime told me they was closing account due to me not following rules so I agreed to closed account and a closure check will be getting sent to me in the account of XXXX. Sad to say that didnt happened. Chime bank stole XXXX  of the money and sent me a closing check for XXXX terrible sad and ridiculous so I emailed chime and ask were is the other money they told me they sent it to unemployment I said how?? When the money never came from unemployment so I reached out to unemployment to ask did they receive any payment from me chime the told me no if chime sent them anything it be tracking number. but they did tell me they sent chime bank a payment of XXXX so the check chime sent me was from unemployment they stole the other XXXX dollars from me and all I want is my money back that I work for please help I have my attorney involved I have contact XXXX chime is still not complaining with me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Paypal Holdings, Inc
State: NY
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:
This is complaint about PayPal company that advertised that they are there to protect consumer when making purchases and processing payments through them. During the last six months I have made several purchases from different places paying with PayPal only to see a chain of issues for not getting merchandise to getting something different, they have refuse to resolve disputes and in most of the cases I had to escalate dispute to XXXX XXXX due to the lack of response from PayPal. Today I contacted them after I have filed two disputes for a purchase made on XX/XX/2021 and like they are making a great exception they offer me a voucher for the same amount of purchase to use in a future purchase to which I refused knowing that I will not use PayPal going forward due the history of poor customer experience. I rather try to contact one again XXXX XXXX and open another dispute through them to try to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT MANAGEMENT LP Last reported XX/XX/2020 {$610.00} Open balance 11 XXXX XXXX  Original creditor XXXX   Opened XX/XX/2020 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Affected by natural disaster Original creditor name 11 XXXX XXXX  I had this debt resolved by Consumer Finance before under another debt collection and now it is back again. I was not the person who had this account..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: WELLS FARGO & COMPANY
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:
I have two accounts that both have wrong credit card balances : Wells Fargo Bank credit card and XXXX XXXX XXXX. The XXXX XXXX balance is {$0.00} since XX/XX/XXXX. I will show proof that I requested a statement. The WF card balance shows {$1000.00} on the Wells Fargo website. The actual balance is {$1000.00}. I will show proof of payments from my bill pay ( from XXXX XXXX XXXX ). Please assist.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to review the documents provided and initiate an investigation into these accounts. Despite my consistent on-time payments, they are incorrectly reporting me as late.

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 2020-03-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I was in my home town shopping at Costco with my family, when I left I was alerted by my bank that fraudulent charges may have accrued. I immediately called my bank and filed a clam that these charges of {$100.00} {$100.00} {$100.00} {$99.00} {$99.00} were not made by me. They temporarily refunded the {$500.00} dollars to my account, while they investigated these charges. 
Today I got a letter from my bank saying that they are not able to honor my request for reimbursement. They will be debiting the full {$500.00} from my account. I am beside myself, I did nit make these charges. I don't ever withdraw cash from ATM 's this account activity is not normal form me how can thy do this? The charges were made 45 minuets away from where I was at the time. 
I thought my money was safe at Citi bank. I called my bank today and found out the dates and times of these transactions that proves that I could not have made these charges. Im now not able to pay my rent now, my account is going to charge me over draft fees my bank is not protecting me or my money from fraud and I need help in hope to fight this. I was unaware that I was supposed to file a police report, but I will be filing one tomorrow. Citi bank was completely unhelpful.

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 2020-04-30
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: Their investigation did not fix an error on your report

Complaint:
I believe this collection was opened in error with a name that is similar, this account is not mine. I believe that Experian, XXXX, XXXX did not proper investigate this matter. This account is invalid and contains multiple errors. 

The statue of limitations for this debt has passed, This creditor is not licensed in my state. 

I do not have a contract with this collection company.

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 2023-01-05
Company: SYNCHRONY FINANCIAL
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:
I had fraudulent charges on my credit card which I had never authorized On Sams Club Credit Card Acct # XXXX all the charges and XXXX  XXXX XXXX  Acct # XXXX using from Walmart

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 2022-03-15
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:
Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$3300.00} ; {$3500.00} ; {$6500.00} ; {$5300.00} of this loan have competed the rehabilitation process. Delete 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 2023-03-13
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
IN RESPONSE TO PREVIOUS CFPB COMPLAINT : XXXXXXXX XXXX ) RENTAL-PURCHASE AGREEMENT LEASE NO : # XXXX LEASE DATE : XX/XX/2023 Please provide with me with the proof of wet signature to confirm my leasing deal with this company. Failure to do so will be in direct violation of several subsections under 15 USC 1692e. Also, any attempt to furnish my information negatively as a result of this complaint and the failure to provide a proof of wet signature for this leasing agreement will be liable under 15 USC 1692j and 15 USC 1692k.

This is a final warning to Acima Credit to remove my leasing agreement on file and update me with the results. 

I will sue if these needs are not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXXXXXX 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 2023-03-13
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: Reporting company used your report improperly

Complaint:
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 non-monetary relief
Consumer complaint received 2023-06-07
Company: TD BANK US HOLDING COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I became aware on XX/XX/23 that a virtual credit card account had been opened in my name through XXXX when I received a letter from TD Retail Card Services asking me to verify a change of address for my account and to call them if I had not done so. When I called their number I reported that I had not opened an account through XXXX and they opened a fraud case XXXX and said they would mail a form for me to complete and return indicating that I had not opened the account. On XX/XX/23 I received the Declaration of Fraudulent Activity Statement which I completed and faxed to them on XX/XX/23. The letter that came with the form stated that they would use it to complete their investigation if received within 14 days. I called TD Retail the following day and was told my fax had arrived. I next received a letter from them stating that my claim was denied due to confirmation paperwork that XXXX had delivered XXXX products to a mail drop service to a company in New Jersey, which was the XXXX used to change the address XXXX day after the account with XXXX was opened with my address in Iowa. My recent attempts to contact the company have been ignored and I have filed a report with my local police department as well as a complaint has been sent the company from the Consumer Protection Division of the Iowa Attorney 's Office. From the delivery copies the company sent with their denial letter it looks as though XXXX XXXX phones were delivered with a total amount {$3500.00}. I have placed a freeze for myself and my husband with the XXXX major credit reporting companies to prevent any further cases like this, hopefully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: UT
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: Investigation took more than 30 days

Complaint:
Experian, XXXX, and XXXX were all mailed letters disputing inaccurate information on my report. They are all reporting different data for the same accounts on my report. ( see attached letters ). My letters were all sent certified and they have all surpassed the thirty day period from the day it was delivered and sent me no update as to why they are reporting incorrect information. This is hurting my ability to obtain credit and they are in violation of my legal rights failing to investigate and update or delete these accounts. 

I have asked them to Please remove these accounts from my credit report do to the fact that there are different dates last active reported by each bureau. How can there be different dates when this is what stipulates when the account naturally falls off of my credit? 

I also have an account khols which has surpassed the 7 year mark and is still showing as a negative item on my report. 

I also asked them to delete an account due to the fact that there are different late payment status displayed for all three credit bureau 's. How can each be displaying different information if the information on my report is supposed to be reported correctly? Experian Was 30 Days Late XXXX Time ( XXXX ). 
Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ), XXXX Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). 

XXXX Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( 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 2023-03-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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