BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
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:
The accounts below are in violation of my rights. The credit bureaus TransUnion XXXX XXXX have been reporting inaccurate and incomplete information on my credit profile. I also filed a complaint with the FTC should they continue their non compliance, they shall be liable. Wenger v Trans Union., No 95-6445 ( C.D. XXXX. XX/XX/XXXX ) credit reporting laws are to ensure that bureaus are reporting 100 % accurate information so the following accounts need to be investigated, I respectfully request to be provided proof of the alleged accounts such as the original application, contract, note or other instruments bearing my signature. Failing to do so, the accounts must be deleted from my report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation and I hereby request accuracy and completeness of the procedure. Can you please provide that information in 15 days? TransUnion XXXX and XXXX is in violation of 15 U.S.C. 1692g. They were to notify me 5 days prior and I was not notified. As the original creditor, only I can validate this debt and I did not validate it. Therefore the accounts must be deleted from my credit report. 


Account info Account name XXXX XXXX XXXX Account number XXXX  Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/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 2023-05-01
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Abitlity recovery services was asked to send me four pieces of proof that its my debt. I gave them 30 days from all three bureaus to submit the proof to validate to me. As its a XXXX VIOLATION because I didnt sign any papers to allow a third party to get any of my medical information. So XXXX not sure where or how they got my medical information as I also was just told XX/XX/XXXX. I was part of a breach with XXXX an XXXX llc. With literally all of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Credit inquiries on your report that you don't recognize

Complaint:
MY REPORT SHOWS INQUIRIES I NEVER AUTHORIZED. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Bread Financial Holdings, Inc.
State: NJ
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 from commenity bank account number XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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. I would like the late payment reported to the credit buraus to be changed to paid as agreed on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX credit card statement lists a Late Payment Warning as follows : " If we do not receive your minimum payment by ___date___ you may have to pay up to a {$40.00} late fee. " This sentence does not specify a time deadline on the given date. But apparently there IS a time deadline of XXXX XXXX. It is mentioned in the very tiny fine print on the back side of the last page of the statement -- not something people tend to look at. 

My complaint is that this is intentionally misleading! People like myself who login online and make payment on the due date at say XXXX XXXX, are then unsuspectingly hit with a late fee. Because I knew I had paid on time, I did not realize until much later that I had incurred a late fee. By that time, I had incurred an additional late fee for the late fee! 

XXXX should be more transparent about their payment deadline, and they should not be allowed to charge late fees if they make the above statement without any specification of a TIME deadline on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent po report to XXXX inaccurate information must remove violation of my rights with wrong information cra and hippa violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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 Fair Credit Reporting Act, this creditor ( Account name XXXX XXXXXXXX Account number XXXX ) has violated my rights under 15USC1681 Section 602 states that I have the right to privacy. 15USC 1681 604 ( a ) Section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support, I am writing to you to express my dissatisfaction with the permanent limitation that was placed on my PayPal account. I believe that this action was taken by mistake, and I would like to request that you re-investigate my case and consider restoring my account. 

I want to emphasize that I have not violated any PayPal policy or engaged in any fraudulent activities. Therefore, I am deeply perplexed by the permanent limitation that was imposed on my account. I have been a loyal PayPal user for many years, and I have always been committed to following your policies and guidelines. 

I understand that PayPal has strict rules and regulations to ensure the safety and security of its users, and I appreciate the efforts you make to prevent fraud and protect your customers. However, I believe that in my case, there has been a misunderstanding or an error, and I respectfully request that you reconsider your decision. 

In light of the above, I am requesting that you re-examine my account and provide me with an explanation of the basis for this limitation. I am confident that, upon further review, you will find that my account has been unfairly restricted, and I would like to ask you to restore my account if possible. 

I would appreciate it if you could respond to this email and let me know if there is any additional information that I can provide to support my case. The email address on my PayPal account is XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: TN
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 XXXXXXXX, 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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXXXXXX, 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 2023-05-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Recently tried purchasing a new home and was advised of inaccurate items on my credit report. Ive also tried purchasing a car and was unsuccessful in my purchase and had to have my wife get the car loan in her name because of these accurate items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my husband and I were approved for a four-month repayment plan of {$580.00}. That day I received a letter from XXXX stating she received a {$1900.00} payment. I responded and stated that she was incorrect and provided proof that I paid {$2200.00}. On XX/XX/XXXX, XXXX emailed me ( attached ) saying she did not like my tone. I did not verbally speak to her ; it was by email, so I want to know how she can make any assumption. I only said I would like to know where the {$190.00} went. You will see her horrible and unprofessional response to me ( email attached ). 

Fast forward as to why I am making a complaint with CFPB, on XX/XX/XXXX, I responded to XXXX 's email about XXXX and XX/XX/XXXX payments. I stated that my husband 's XXXX and whatever back pay from his employer had stopped, which was the reason for the late payment for XXXX. I also stated I would make a payment on XX/XX/XXXX I did not say I would make one payment. XXXX assumed that's what I would do and blocked my account preventing me from making a payment. It stated, " XXXX XXXX does not have access to any loans. Please contact Customer Service ''. That wasn't the case I got paid that day and made both payments by phone since she locked me out of my account knowing I said I would make a payment. To me this was done intentionally and I was told she was out when I emailed her and called her about not being able to make my payment online, to date no response, not sure if she's still out. I asked why I was locked out they stated they ( customer service ) did not see any notes as to why my account was blocked and XXXX was out. 

XXXX XXXX XX/XX/XXXX email had me very upset, and I am taking this matter personally, 1. why would you stop me from making a payment as of today I still don't have access to my account and 2. To request a demand for the past due balance and attorney fees/foreclosure when I said I was going to make that payment. Had I not called to make the payment and with her being out on XX/XX/XXXX to remove the hold on my account, that would have put us in default/foreclosure procedure. This is scary this can destroy someone's life. I would like to have someone else from SN Service Corporation to be our accounts Representative. 

Our payments are up-to-date, and I would like to have access to my account I was told after I made those payments, I would have access and I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Citibank try to say I owe money and the account is really old date from year 2000

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 2022-12-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are unauthorized Hard Inquiries that are currently listed on my credit report. 
These Inquiries need to be removed 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 non-monetary relief
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: IL
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 Filed Mutiple dispute with the credit reporting agencies. In regard to inaccurate and fraudulent activity on my credit report. 
I never received any notifications in regard to the investigation. It been over 60 days with no answer. 
I filled a Ftc Identity theft report as well as sent a 30 and 60 demand letter to comply with the credit bureaus. Still have yet to receive any response The Credit bureaus also stated my account was properly investigation but how is that possible if the people they ask also said it was fraudulent and deleted so they giving false info, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also 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 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... 

5.According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 


I Have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged Debt, nor therefore any such debt in fact Exists '' THE BUREAUS IS NOT ABOVE THE LAW PLEASE MAKE SURE THEY REMOVE THESE OFF MY ACCOUNT OR MY NEXT STOP IS TO BBB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo is not providing a clear answer regarding my account related to my Due Date ( which is the XXXX of each month ) and billing cycle. 

When I log into wellsfargo.com it states I am currently 9 days pass due as writing this complaint. This is according to Wells Fargo information. If going according to the payment due date, I would be 14 days pass due. 

Wells Fargo Customer Service and the credit reporting agencies stated this is because the billing cycle started on XX/XX/23 and this is what Wells Fargo reports to the credit reporting agencies. They also stated my payment due date determines late fee and interest charge if the payment is not received and the billing cycle is what is reported to the credit agencies if payment is not received within 30 days. 

Please refer to the attachment which is a screen shot of my account on XX/XX/23 and states I am 6 days past due, which means Wells Fargo reports the billing cycle to the credit 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 2023-05-01
Company: Experian Information Solutions Inc.
State: TN
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 2023-05-01
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for this account, and it is causing me significant anxiety to see an inaccurate late payment on my account. I have never missed a payment and I am pleading with you to remove the incorrect late payment from my account as soon as possible. It is difficult for me to come to terms with this issue and it is affecting my ability to sleep. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  ran my credit without my permission this is my 3rd attempt to get this information resolved with no response, SPOKE TO 3 REPS FROM THIS COMPANY AND THE ENSURE ME THAT THIS WILL BE DELETED OFF 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 2023-08-19
Company: BAM Management US Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I created an account with Binance transferring {$1000.00} over to it. A few days later the bank I tried to transfer funds from put a hold due to Binance not being recognized as an established financial institution and flagged it as fraud. I tried my other bank and received the same outcome. Based on this I questioned moving forward with this company. 

I had already traded for XXXX within the account as they allow immediate access to funds you preload with. The trade I made increased in value and because I was unable to fund the account ( since all my banks would not transfer money to this company ) Binance closed the account and liquidated the funds and the surplus would go to them since the account was not funded by my bank. 

Now, XXXX months after this I am being told I owe {$28.00} due to them not being able to recapture all of the {$1000.00} that was funded. When I log in to download the data, it shows no trade data. After requesting from Binance there own data shows a positive amount after the account was liquidated. I have requested this data from Binance with an explanation of where the {$28.00} is coming from as it is not shown on the attached statement they provided. 

- I was never notified of any negative amount until I received a call from a debt collector, keep in mind Binance has all my personal information - There is no record of any of this data on the website once I download the trade data. It only became available after speaking with a supervisor at Binance - The data provided by Binance shows no such amount of the above {$28.00} see attached data

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The account is never late but Citi closed the account for no actual reason. Also sent an unsigned letter by a fictitious person that I am unable to find in the list of vice presidents.

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