BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-25
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX, Attorney at Law has claimed I owe the City of XXXX Ohio, over {$500.00} in back taxes. I worked in XXXX in the years XXXX and XXXX at a XXXX XXXX and have never been asked to pay city taxes for the work done as a teenager. They should cease and desist. The statue of limitations is over. To request back taxes from 20 years ago, during a pandemic is in bad taste and is threatening. Why would they try to ruin people 's credit scores during a pandemic? The statue of limitations has expired. I don't recommend buying anything from the City of XXXX, especially debt collection that is past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: BMW Financial Services NA, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent TransUnion a dispute later and I received the green return receipt that they received my dispute letter it was on XX/XX/2022 and today is XX/XX/2022. It has been more than 30 days they broke the law!

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 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion is reporting incorrectly a charge-off on the XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) After speaking with a representative from XXXX XXXX, they still have my account at their office and this account has not been sold. I received a telephone call from a person named XXXX and the company that contacted me is - ICR. The telephone number is XXXX ext XXXX. This person XXXX claimed that the Build Card had been sold to their company XXXX - for collection and that I was to make a payment directly to them ( XXXX ) immediately or I would be served and then sued with wage garnishment. This is clearly a scam and for me to threatened with garnishment is unacceptable. This incorrect reporting of a charge-off is harming my XXXX XXXX and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.

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 2020-09-05
Company: AES/PHEAA
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

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 2021-01-27
Company: EQUIFAX, INC.
State: OH
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 sent a complaint to you ( XXXX ) regarding EQUIFAX. They answered our complaint by finally giving me access to my credit report by sending me a copy. They did not answer how my account was frozen. 

In receiving the copy of my credit report from EQUIFAX I found items that need to be disputed. My attorney has provided dispute letters ( attached ) to be used for the dispute. I am asking your help in this matter because I am afraid it will not be addressed by EQUIFAX or that it will get lost in the mail. 

Please help with this matter, and let us know if you need further information. 

Thanking you in advance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX  XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
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 have sent complaints to the CFBP and XXXX about some entries on my Experian report. The companies are XXXX XXXX and XXXX XXXX. Both of these companies responded that these tradelines will be removed from my Experian report. I have attached both responses from both companies. Please read the responses in entirety. Please remove both companies from my report as soon as possibleas this is hurting my ability to obtain financing for a new house.

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 2019-08-22
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Approximately 6 years ago I took out a loan of {$200.00} form XXXX XXXX XXXX. At the time I did not realize that this type of loan was predatory and illegal in the State of New Jersey. I paid back the initial amount owed and thought that was the end of it. XXXX XXXX XXXX discontinued the deductions from my account.

Now 6 years later after not receiving any type of written documentation stating that I owe this company money, they have put a judgment on my credit for an amount that I do not owe, and it has negatively effected my credit score.

This tactic by XXXX XXXX XXXX is illegal, and I deserve to have this negative information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: JPMORGAN CHASE & CO.
State: VA
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 XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, JPMCB CARD add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has " permanently limited '' my account claiming that I violated their policy. I dont sell items on PayPal ... I use it to easily transfer and or send money and to purchase items online ... they told me they will hold my money for 180 days and then email with instructions on how to get my money transferred, if I'm allowed to have my money after the 180 day time limit is up ... I'm not the only one they have done this too ... hundreds of people have the same problem ... after receiving deposits from unemployment PayPal sends this message saying the account is permanently limited for violation of the policy and that they no longer offer any services to me ... what I dont understand is my first unemployment payment was for over {$8000.00} and also deposited into my PayPal account ... however they never limited my account then nor have I had any issues with the account until the last deposit ... first of all PayPal is NOT a bank so why do they think they can operate as such? They are a payment platform ... it should be illegal for them to do this to people! I am a single mother and it's been 2 months since I got the XXXX and that was all gone as soon as I got it due to the months without any income so I need this money just as badly as I needed that money ... please please please help!!! I've reported the issue to PayPal via a transaction dispute and of course was not given any help at all ... I dont care if they want to do business with me or not because I will never ever use PayPal again once they release my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: CHALLENGE FINANCIAL SERVICES
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
challenge financial services has been harassing me and people that have nothing to do with this loan. i have been trying to resolve this issue with the rep XXXX XXXX XXXX, he is really rude and unprofessional, he has been reaching out to people that know me threatening them that to let me know that he is going to pick up my car. I am very good with payments on my car just this month i fell behind because i just got another job. I've been paying this car for 2 years. I asked for a week extra time to be able to pay it but the Rep XXXX is not willing to help, instead he threatens me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 I initiated a Money transfer with Western Union from  my bank XXXX in USA to my Bank in XXXX, under tracking number ( MTCN ) is : XXXX they got the funds from my bank on XX/XX/XXXX and have been waiting till now XX/XX/2020 for the funds to be delivered.Today Western Union operator claims the funds were received late by them from XXXX on a late date and canceled the transfer and claim they will return funds in 6 more days. My complaint is that Western Union takes funds from me on XX/XX/XXXX and will return them in XXXX some future date. I'm under no fault and still have been ripped of by U $ XXXX XXXX for all these days and they will not return the funds as of today. This seems to be a very bad system and we are completely indefensible against these giants.I hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: Account information incorrect

Complaint:
Now I am providing the documentation/proof that XXXX  XXXX XXXX and the reporting companies are complicit in reporting grossly incorrect information on my credit report. I've disputed it, filed complaints but both XXXX and the reporting agencies have refused to investigate and correct the problem. XXXX should have this exact documentation OR, the documentation they do have is incorrect and not only do they need to correct the information but also refund the payments they never accounted for and include interest and penalty amounts for all of the time spent and damages experienced ( declined loan, credit cards cancelled ... ) due to the entry and negative affect to my credit from this over the years. 

The bottom line is they state I was 30 days late with payment in XX/XX/2016 but I was not as the documentation clearly shows. In fact, I made payments to XXXX through XXXX of that year and only in XXXX did they refund the money. Also and in reality, at the time I was trying furiously to stop these payments and they would not stop them which I should also have all of that documented so this is not an oversight, this is XXXX intentionally trying to harm my credit and thus harm me personally. Not only XXXX but also the credit agencies as well as they were informed of this issue and they chose to side with XXXX. 

The attached documentation is bank statements showing the automatic payments to XXXX XXXX XXXX  and then only in XXXX did they stop and refund the payment.

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 2020-05-25
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2019 Sunrise credit at XXXX XXXX XXXX  NY XXXX services is harassing me opening and closing account Ive tried to talk to them and they wont help me in anyway Im homeless with XXXX  XXXX  trying to move into a home but this is causing issues for my credit

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 2020-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am a federally protected consumer and Capital One Auto Finance has violated me under the provisions of 15 USC 1692, 15 USC 1605, 15 USC 1602, and 15 USC 1681. Please review the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX am a victim of identity theft

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 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ON XX/XX/10, I SENT IN MY LETTERS REGARDING INACCURATE AND FALSE ITEMS ON MY CREDIT REPORT. THE ITEMS THAT WERE TAGGED ARE FRAUDULENT AND I DON'T KNOW WHERE THEY CAME FROM. HOPEFULLY I WON'T BE IGNORED OF MY DISPUTE.

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 2019-03-08
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: Account status incorrect

Complaint:
I have been sending disputes for 3-4 years trying to remove incorrect information. Each time I get verified as accurate. Thats all. No real look or investigation. I can not buy a home until this is fixed.

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 2020-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I attempted to pay my bill via the online website but could not get the transaction to post until 1 hour past their EST deadline, however they were able to complete the ACH that evening and post it by the following AM. 

I immediately contacted Capital One and they reviewed the situation and agreed with the error and reversed the automatic late fee. 

On XX/XX/XXXX I was incorrectly then assessed {$73.00} in Interest Charges. I contacted Capital One via phone on the evening of the XXXX where they refused to reversed these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: IL
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:
The Credit bureaus are reporting inaccurate items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I called and discussed the problem with a represenative and they told me that I could not dispute them they will fall off in 2 years. I kept explaining that they are unauthorized and he just said wait 2 years. He then put XXXX a supervisor and the phone and she could not understand me and I could not understand her

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am still being impacted by the covid 19 and havent returned to work. I need another payment waiver. I have been your customer for 23 years and have never missed a payment and I need help.

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