BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX, am writing to dispute the account XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible when XXXX XXXX does not own this debt? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. XXXX and XXXX do not report this agency as the debt buyer so why are you reporting a different company? The FCRA requires you to verify the validity of the item within 30 days and you have failed to do so. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. Please see the attached credit report and remove the inaccurate account from my credit report. I look forward to an uneventful resolution of this matter.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
To Whom It May Concern, I am writing you my second letter to get your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1692K - CIVIL LIABILITY XXXX  XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX  XXXX Account XXXX : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment from those managing this data. Therefore, kindly furnish all available details elucidating how responsibilities towards accuracy and compliance were neglected. I formally challenge you to scrutinize your records concerning me. In accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, I contest any inaccuracies or deficiencies in reporting. The credit report I received is inaccurate, and it is surprising as adherence to FCRA and applicable Metro 2 data field formatting standards is expected.

As a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful provision of correct information in a timely manner to avoid violating any of my rights. I am aware that generic form letters have been sent in response to disputes and challenges from consumers, irrespective of the specific information provided. This is illegal, as each dispute and challenge should be addressed individually based on its merits. My letters were generated using widely available software. Failure to process my letters constitutes a violation of 15 U.S. Code 1681i.

Please note that delaying the processing of consumer letters based on assumptions of third-party assistance is not a legal exception. I am the author of any letters bearing my name, created with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be construed as an intentional disregard of my consumer rights, prompting legal action through my lawyer.

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 2021-01-28
Company: EQUIFAX, 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:
Good afternoon, I am writing this message regarding unknown accounts in the report attached that suddenly from nowhere appeared in my credit report! They are not mine, they do not belong to any activity of mine, I do not know them I do not recognize them ... ... ... ... and I do not want to see them in my credit report. Why I have to have misleading information in my credit report??? Why somebody can just put these items and not take any responsibilities? Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not move on in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this was paid when I went to the emergency room.this debt is old besides.they never billed insurance .then chared me XXXX at the emergency room.said that this would be paid in full in case insurance did not cover this.gave them a check asked them to not put it through til Monday.they did .a and they over drew my account.but was still apid and the bank charged me XXXX.this account was not opened in 2019.it was more like 8 or 9 years ago. I llived at XXXX XXXX XXXX XXXX.and we have lived here for 5 years. in fact I have had a P>O> box   for 7 years.i do not understand why XXXX XXXX does not question this.plus I sent to XXXX and got my free credit report and this is no where on this.and I have been in phine contact with them for a freeze on my credit report.there is also a wrong address that they recently took off my report.i have more trouble with XXXX XXXX than any body else.i was told you are never accurate.

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 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 tried to contact XXXX to fix a mess up on my credit report since the early part of the year. 

I have sent 2 letters to XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX with no response. I called the company numerous times and keep being told to send letters. I explain I have sent them letters and they claim they have not gotten them even tho 1 was signed for. 

So on my credit report, they have some inaccurate information. 

It shows that I have late payments in XXXX of XXXX and XXXX / XX/XX/XXXX. 

I called XXXX in XXXX XXXX and explained that we were notified that due to covid they were furloughing some workers and we would go on unemployment until work picked back up. I explained to them that unemployment told us that they were understaffed and there was a long wait to start receiving checks. 
I was told that I did not have to worry and because I called in prior to missing a payment that when I started getting the checks I could catch up on payments without being marked as late. I was also told they would mark my account as late due to covid 19. 
So as soon as the checks started coming in around the beginning of XXXX I paid up what was missed. 
I was called to come back to work in XXXX, we worked about 3 weeks and we were again furloughed. In XXXX with the new strain, we were furloughed again when businesses started closing and again I notified them. The person I spoke with again told me that they understood and to make the payment when unemployment started back which I did. 
Then in late XXXX we were furloughed again so I notified them and they said they would mark the account as such. 

So once I was back to work full-time I paid that account off. 

In the comments section, it says account canceled by the creditor, and I don't see how as I continue to use the account. matter fact I have things on that same account that are being paid on. 

I tried to fix this with them several times. I kept getting transferred from one area to another. I finally contacted an attorney and the Mississippi department of banking and the attorney is looking into possible litigation because these payments were late but no fault of my own.

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 2019-07-25
Company: WELLS FARGO & COMPANY
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:
To whom this may concern. 

I have opened an account by Wells Fargo, and I am very unhappy. Please see below for the issues that I am having with them : When I applied for a business secured credit card, I was told that it has an automatic system that will upgrade to a unsecured credit card after 6 months, by making a review on my account. I have my secured credit card for almost a year, and I was never upgraded. In the meantime I was approved for a other business credit card. When I was researching how there policy works I found on XXXX XXXX that almost no-one was upgraded from a secured to an unsecured credit card. I know that I have a good score, I was approved for several unsecured credit cards without any issues, and I pay my bills in time, therefore I cant see any reason why I shouldn't get my unsecured credit card by Wells Fargo. The only reason why I didn't get upgraded to an unsecured credit card is because this whole thing is a scam, it doesn't begin to be true. 

My wife by mistake made a purchase by XXXX XXXX XXXX, and I did not give permission, or even know about the purchase. XXXX XXXX XXXX does not have a return policy, so I went and disputed the charge by Wells Fargo, since I know that they are supposedly responsible for any charge that was done without any permission from the card holder, part of their policy is : " I have zero liability protection= that you are not responsible for any unauthorized transaction when you report them promptly ''. After a month of going back and forth with them with no customer service at all, they sent me a letter that it was declined, since the merchant showed that I did not follow the merchant cancellation policy, and I received the tickets. Yes i did receive the tickets, but it was never used since we couldn't even get any use out of those tickets, because it was ordered in error. I called them again and they told me that the only thing they can do is that I need to fill out a letter for declaration of claimant for fraud, but this was a purchase made in error, and it was a miss understanding, so claiming a letter about fraud won't help me because this wasn't a fraudulent charge. 

When I reviewed all the complaints on CFBP I saw that most complaints are on Wells Fargo, and there is a reason for that. They abuse, lie, and fool their customers in a way that all we can do is surrender. I am asking you to please look out, and see how many people are complaining about this bank. You are the only ones that can help us at this point.

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 2019-07-25
Company: Experian Information Solutions Inc.
State: SC
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:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER. THOSE ACCOUNTS ARE REPORTING AS DEROGATORY AND DELINQUENT ; IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT FILE AND I WOULD LIKE THOSE ACCOUNTS REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal has refused to engage in dialogue to resolve dispute case XXXX and has practiced avoidance tactics ignoring complaints and hanging up call PayPal has refused to resolve case with following information despite attempts from all parties ( bank, vendor, and myself ) to close out : Original transaction date : XX/XX/2018 Amount : {$450.00} USD PayPal account : XXXX is ( XXXX ) XXXX XXXX. 

Dispute Case : XXXX Receipt : XXXX PayPal needs to immediately refund the {$450.00} to resolve this transaction. PayPal is holding payment without consent of any involved parties. 


PayPal is using deceptive customer practices to delay attempts to resolve this issue by refusing to engage in a direct conversation with a competent employee. When asked to speak to management, they have terminated my calls. PayPal needs to properly respond to my issue. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: IN
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 Far CredIt Reporting act. The List of accounts below has

Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

# XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Illinois Child Support, # XXXX XXXXXXXX XXXX # XXXX XXXX, # XXXX XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the listed accounts below : XXXX XXXXXXXX : # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions 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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: OH
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 DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
( XXXX ) # XXXX ( XXXX ) # XXXX ( XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased merchandise from XXXX in early XX/XX/2019. Upon receipt of bill from its financial affiliate, Comenity Capital Bank, I sent via on-line bank payment, amount requested. The next month I did likewise, The following month I received bill with late charge and two-month delinquency. Contacted Comenity ; they disputed receipt of payments. Demanded full payment after which late charges would be waived ; and were. Credit bureaus were never notified, which I did to correct credit damage. In contact with Comenity, I identified that they had applied my payments to my deceased husband 's account XXXX and not to my account XXXX. Comenity has refused to correct its error and to return {$150.00} it is holding in my deceased husband 's account. I reached out to XXXX for assistance but without any response to my request. 
I am an XXXX-year-old XXXX woman on a fixed income and can not afford to add to Comenity 's bottom line in this manner. 
Please help. 
my e-mail address is XXXX ; telephone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-09-13
Company: BARCLAYS BANK DELAWARE
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:
In accordance with the Fair Credit Reporting act XXXX 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 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 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