BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed an online dispute with TransUnion concerning a debt placed onto my credit file by XXXX XXXX XXXX. I was not able to upload documents to prove my case because of an incredible amount of character restrictions not allowed on documents by this companies arcane computer program. When the dispute came back that the debt was verified, I then mailed my documents to Transunion to prove my case. XXXX again the results were not in my favor. When I tried to call to speak with a live representative, I was redirected to file the complaint online. It is my strong belief that a proper investigation was not conducted on my behalf. The documentation provided to TransUnion was very strong evidence that XXXX XXXX XXXX was wrong on their filings against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
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:
On XX/XX/2019, I entered into a small loan agreement with XXXX, XXXX by utilizing their website at XXXX. Unknown to me at the time, XXXX, XXXX, and their supporting partner, XXXX XXXX XXXX, initiated this loan in violation of Ohio Consumer Protection laws, to be exact, Ohio Revised Code 1321.36. This loan is paid in full, however, XXXX , XXXX is reporting this account illegally to my Experian credit report. 

I have tried to resolve this with both Experian and XXXX, XXXX XXXX, XXXX refuses to  follow state consumer protection laws and continues to illegally report this account on my credit report. Their argument is that XXXX XXXX XXXX ( who does not even appear on my credit report ) is legally allowed to enter into this loan according to 12 U.S. Code 85.

The Dodd-Frank Act allows state consumer protection laws to supersede federal lending laws when there is no discrimination present against the bank. Ohio Revised Code 1321.36 simply states that " all '' short term loan lenders must be licensed by the State of  Ohio to provide short term loans. Because neither XXXX, XXXX or XXXX XXXX XXXX  are licensed to provide short term loans in the State of Ohio, they are in fact illegally reporting this information to Experian. Licenses can be searched online at https : 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 2021-08-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Earlier today my PayPal account was closed with the reason being in violation of " PayPal Acceptable Use Policy '', now I know for a fact that my PayPal account has not been in violation of PayPal 's Acceptable Use Policy as all I have been selling on my PayPal account was services related to marketing. Now PayPal 's limitation was unexpected to say the least, my PayPal account holds a balance of over {$220.00} CAD which are inaccessible for withdrawal. PayPal has caused me great financial loss by limiting my account incorrectly and I request that PayPal lifts this limitation and lets me withdraw my funds out of my account. 

I have personally been a long time user of PayPal and have not had any issues in the past years, for this to suddenly happen without any sort of reason given. I have attached PayPal 's user agreement as a PDF, I can confirm I have not violated PayPal 's user agreement in any sort of manner either. I XXXX XXXX have been using PayPal 's services fairly having had 0 disputes in the past, with fully satisfied customers. PayPal 's limitation on my account has caused me great financial loss from future clients being unable to use PayPal. 

I have attached additional proof showing that my business dealings using PayPal have all been regarding marketing my clients ' 'XXXX  server ' ( Proof attached shows my latest transaction on PayPal ). XXXX is a social media platform where users can create servers for people to meet up and communicate as a community, I personally have been selling marketing services to 'XXXX  server owners ' ( Clients ) guaranteeing an increase in their XXXX  server member count. I have gone through PayPal 's Acceptable Use Policy and have found that my service is infact compliant with PayPal 's policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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:
In XX/XX/2022 I pulled a copy of my free Consumer Reports. After review of my most recent reports I discovered accounts that were not authorized by me. These accounts are result of Identity theft. I filed a report with the FTC it will be attached with this complaint. Fraudulent accounts include, XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$500.00} ), XXXX  XXXX ( {$3000.00} ), XXXX XXXX XXXX ( {$1400.00} ), and XXXX ( {$10000.00} ). I am currently working with my local authorities to get help on pin pointing the person/s who are responsible for opening these fraudulent accounts. Please block and delete these accounts from consumer reports. They do not show an accurate account of my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital one closed my XXXX account after I paid off My secured account with them TOTALY VIOLATED ME HAS I HAVE A PERFECT PAYMENT HISTORY that also said because I closed a account there not going to be reporting to the credit bureaus on my balance I pay every month, they said I can re apply however there going to take another hard inquiry against my credit NOT FAIR

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX/XXXX/XXXX Ally Financial 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 2016-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
On XXXX XXXX, 2016 I sent a request for a Security Freeze that listed my name, social security number and date of birth along with my Drivers License, Social Security XXXX, Police report and proof of my address. Per the certified mailing receipt it was signed by TransUnion on XXXX XXXX, 2016. I have yet to receive any confirmation that the security freeze has been placed.

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 2020-01-17
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I became aware that I had been a victim of identity fraud and had multiple consumer accounts opened under my name. While I was able to place a fraud alert on my credit report and resolve and close a majority of them with no issue, an account with XXXX I have not been able to resolve. In XX/XX/XXXX I filed a report with the FTC and mailed it along with the fraud packet with per the process on the XXXX website, which resulted in nothing. I spent a few phone trying to speak with a rep about it and was transferred in circles getting nowhere. 

During the same time I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX stating that the fraudulent XXXX account had been placed in collections with a total of {$450.00} due XXXX document attached ). 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that the collections account had been placed with them for a new total of {$2200.00} XXXX document attached ). Around this time I contacted a law firm for help and requested my credit report from the major bureaus, all which had the collections account reported. I was also receiving multiple calls a day from the company. 

XX/XX/XXXX I received a letter from Source Receivables Management stating that the collection was now with them for the same amount ( doc attached ). On XX/XX/XXXX I sent a debt dispute letter to them. All communications trying to collect the debt stopped and I thought it was taken care of. 

In XX/XX/XXXX I was unable to lease a car without a co-signer because of my credit score from the collections account still being on my XXXX report. 

XX/XX/XXXX - I filed an initial dispute with XXXX about the account. 
XX/XX/XXXX - XXXX replied and confirmed the account was accurate. 
XX/XX/XXXX - I filed a second dispute, with supporting documents ( written statement attached ). 
XX/XX/XXXX - Another fraud alert was placed on my report XX/XX/XXXX - Received mail from XXXX about the second dispute investigation stating the collections account is " Not Specified '' and still on my report. 

I have also taken steps to file a police report to send as documentation if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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:
In accordance with the Fair 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 ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX 3 missed payments ) XXXX  XXXX ( Bank ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry 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 or 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 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 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
i went into XXXX to access my credit report online. I received an error message from both Transunion and XXXX  indicating that they could not issue my credit report online. I entered my information correctly for both agencies on XXXX. Both agencies have not given me any answers as to why I'm unable to access my credit report online. Both agencies have not given me any solutions to help me access my credit report online from XXXX. I have not been given any solutions from XXXX as to how to rectify the situation to help me access my credit report online at annualcreditreport.com. I am not interested in receiving a paper version of my credit report. I am entitled to access my credit report online from XXXX and by law and Transunion, XXXX  and XXXX are violating the law by not allowing me to access my credit report online from 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 2019-05-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been fighting ID THEFT for sometime now and have several fraudulent accounts reporting on my credit report. I have sent supporting documents showing this fraud, as well as FTC complaint forms. This failure to comply in deletion of these identified fraudulent accounts is a clear violation of FCRA sub sections 605b and 609.

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 2016-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion has allowed reinsertion of the same collection account multiple times. TransUnion has neglected to follow safeguards to protect my credit file and has never notified me of reinsertion as required by law. XXXX XXXX XXXX has reinserted a fraudulent collection 4 times and each time they report using a different account number and different dates of first delinquency in an attempt to manipulate the credit reporting system. XXXX recently reinserted the same {$57.00} bogus collection on TransUnion under the account # XXXX. 
This same collection was previously reported and deleted under account numbers shown on the documents attached to my complaint. 
TransUnion has knowledge that this collection agency has acted with disregard to the FCRA concerning the reporting of false information on my reports yet TransUnion has done nothing to prevent this abuse from continuing to occur. I have attached evidence directly from TransUnion showing that XXXX XXXX XXXX was previously deleted as well as a most recent SIGNED certified receipt that I sent to XXXX demanding that they follow the law and discontinue their deceptive behavior. This same fraudulent collection has been reported using other collection agency names including Integrity Solution Services, XXXX and XXXX XXXX over the past several years. I am requesting immediate deletion of this fraudulent account from my TransUnion credit reports. I have also requested assistance from the Texas Attorney General 's office due to multiple violations of the Texas Finance Code. This is a fraudulent collection account and must be deleted from my file.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXXXXXX -US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX 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 an 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 2022-07-06
Company: Bread Financial Holdings, 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:
From XX/XX/21 contacted the furnisher and XXXX via telephone, email and certifiedd letter. Multiple attempts have been made regarding the correction, verification of information for XXXX XXXX, First issue, payment history disputed, trans union kept telling me that the information is correct and that Comenity, the furnisher verified as accurate. In an effort to get the correct information regarding the charge off amount, payment history 1st delinquent date and charge off dates, I contacted the furnisher directly via telephone, via cert mail and via CFPB complained already closed but attachments included will show the company response. I went ahed and responded to the furnisher directly because you closed out the previous complained as resolved. XXXX deleted the information disputed instead of conducting a full re-investigation, attachment below of the results. Yesterday, I called XXXX directly and asked them why do you keep reporting X in the payment history and the rep replied because the furnisher does not and we have to report X because the furnisher has no knowledge. I am filing this complaint seeking the enforcement of complete, accurate and verifiable information reported in my consumer report. The lack of cooperation from the furnisher only shows violation of policy, adjusting the delinquency and re-aging the status of the account. Furthermore, the balance due at the time of the first delinquency was around {$110.00} but we have a charge off amount of {$640.00} Furnisher is reporting false payment history and attempting to re-age account with the intent to continue to add unnow fees beyond the time allowed by law, the fees are in excess for example if a payment due is {$8.00} and consumer fails to make the payment, the late fee is 2-3x higher per violation vs the min payment due. XXXX does not want to loose the business or the account and is not enforcing the furnisher agreement instead they are just omitting, deleting and not abiding by the laws of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
3rd try - This is not going away! You last response saying the 2nd was a duplicate is further proof of your lack of concern into fixing this problem.

You ONLY allow the minimum payment. This is NOT acceptable If this is not resolved after this 3rd complaint I am taking this to the next level of exposing your company lacking the ability to service a negative amortization loan. 

Only being able to do the minimum payment force the negative amortization amount into arrears.. 

A complaint has also been submitted to XXXX XXXX so they are aware of RushmoreLM being behind technologically. 

Rushmore LM does not know how to properly service negative amortization loans. I am only allowed to pay the minimum payment on line - not even the statement shows the negative amortization payment amount. I have to call and spend 30 to 45 minutes with them every month to make my payment because they are not equipped to handle the payment online or by mail. Companies like this should not be allowed to handle loans they are not suited for. I understand the loans can be moved however it should be mandated that the new company knows how to service the type of loan the consumer has. Rushmore LM does not allow me to execute the options of my negative amortization loan. They only allow the minimum payment. This is NOT acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am currently working with a third-party credit repair agency,   XXXX   XXXX    XXXX , by which have any and all phone numbers listed to Portfolio Recovery have been added to a do not call list and any phone calls to me while I am working with  XXXX  puts them in violation.

Company response to consumer: Closed with non-monetary relief