BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
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: Personal information incorrect

Complaint:
To Whom It  May Con cern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC SEC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Wh om It May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The  item ( s ) list ed below are as follow : Please update to the correct address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  Have enclosed  XXXX  bills PLEASE UPDATE MY  CURENT ADRESS ADD RESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  BELOW IS NOT MY ADRESS  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accorda nce with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request t hat you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, purs uant to 15 U.S.C. 1681i ( b ),  I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the  past six m onths.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and comp leteness of the item ( s ) i n question, including the business name and contact information of any furnisher within  15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law  to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  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 2022-09-08
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:
XXXX, Trans Union and XXXX has information and accounts on my credit report that are not mine and they refused to remove them and or delete them.

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 2022-04-01
Company: OneMain Finance Corporation
State: CA
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 was notified through XXXX XXXX about 3 credit inquiries that I did not submit nor request or approve. 

They are : XXXX XXXX, by XXXX on XX/XX/2022 XXXX XXXX of XXXX XXXX, by XXXX on XX/XX/2022 Onemain Financial, by XXXX on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please see attached.     I received a letter and a check in the amount of {$37000.00}. I am not sure of the exact date I received the letter and check. The check is fro  m Portfolio Recovery Associates, LLC due to a Consent Order with the Consumer Financial Protection Bureau regarding their Litigation Department collection calling practices.
I was not aware of this consent order or that I would be receiving these funds back. Hence the check was not cashed within the 180 days after issuance and is not void ( I am assuming so, as I have not tried to cash it ). The letter and check came in a plain envelope and appeared to be junk mail.
Upon opening the letter, I contacted Portfolio Recovery o  n  XXXX   XXXX ,    2017  about this issue. I was told  by Portfolio Recover  on  XXXX   XXXX ,  2017  that a check has been reissued and I should receive it with in 7 bu siness days.     Today,  XXXX   XXXX ,  2017 , I called  Portfolio Recovery to inquire about the check as 7 business days has passed. I was told that they are not re-issuing a check because the original date on th e check exceeds 365 days. This is in stark contrast on what I was told on  XXXX   XXXX . I asked for a letter explaining their decision and they said there is not  one. I also asked for a copy of the Consent Order as I never received one. Portfolio Recovery has not provid  ed a copy of the consent order and was told they are not sure if they could provide one. The request will be forwarded to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX and Experian has information and accounts on my credit report that are not mine and they refused to remove them and or delete them.

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 2022-03-13
Company: The CBE Group, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Was contacted about a medical bill from 2015 wanting payments. I didn't know I owed this. Have not received and bills or communication from the medical bill in the 7 years never have had this happen so don't know how to proceed. I can't have my credit demolished because of something I didn't know I owed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan from Tower Loan from a company who offered financing for furniture. I always speak with an employee named XXXX. I told her back in XX/XX/XXXX she could send the account to collections on MULTIPLE occasions, which she refuses to do so that the account continues to add interest. So out of fear of having a quadrupole balance I began to pay it down again. On XX/XX/XXXX, she called me at work ( and I have already asked on MULTIPLE occasions to NOT call me at work and the gentleman XXXX response was that my supervisor had to tell him, which is absolutely not the case in Illinois ) and told me I needed to make a payment. I told her I would make one on XX/XX/XXXX. She asked if the account would be paid in full and asked what the bakance would be and she replied {$190.00}. I said o.k. called today to pay the {$190.00} and she replied that the account balance is now {$210.00}. Late fees do apply, but she did not state that if it were paid on the XX/XX/XXXX what the actual balance would be. The late fee is {$10.00} a month so {$190.00} still makes no sense and attempting to speak with XXXX is impossible. She just yells and screams while making threats to take the furniture from my home all the while never listening to my concerns or questions. AVOID TOWER LOAN LIKE THE PLAGUE!!!!!

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 2022-09-09
Company: EQUIFAX, INC.
State: IL
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:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 no memory of this account XXXX XXXX Opened XXXX {$140.00} I have no memory of- XXXX  XXXX  XXXX Opened XXXX {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT : CONVERGENT Coi Opened XX/XX/XXXX + {$380.00} Original creditor : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CONVERGENT I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-09-09
Company: Experian Information Solutions Inc.
State: IL
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:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXXDate Opened : XX/XX/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 2022-03-13
Company: Paypal Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have already put in an inquiry with complaint number XXXX. I was suppose to receive a check for {$53.00} and did not receive it yet. The gift was for my granddaughter and she is still asking for it still. I have waited patiently for pay pal to send it but still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I made a payment on my account of {$1400.00} to bring the balance to XXXX. The next day, when I checked my account, I could not see that the payment had posted and my due date was that day, so I wanted to make sure it was paid. I tried to create a new payment, this time for {$1300.00}, but received an error message telling me I was trying to create a duplicate payment. On XX/XX/XXXX, I received notice from my bank that the company had attempted to process an " Auto-Pay '' transaction in the amount of {$47.00} to an old account that I have closed. I believe I may have given them the wrong account information when I set up the Auto-Pay, but the Auto-Pay should not have been processed at all because the card had already been paid in full. On XX/XX/XXXX, I received notice from my bank that the company had attempted to process the {$1300.00} payment, but it was rejected because I did not have sufficient funds in that account at the time. I am glad it was rejected, because according to the company 's statements, that payment would have brought my current balance to negative. The company 's system never should have allowed me to create a payment that would take my account into the negative. Over the weekend, I received several emails from a company advising they were unable to charge my approximately {$350.00} purchase to that card. On XX/XX/XXXX, I called the company to discuss the issue. The account statement viewable on their website currently shows my Total Credit Limit ( " TCL '' ) at {$1500.00}, my Current Balance ( " CB '' ) at - {$1200.00}, my Pending Charges ( " PC '' ) at {$1300.00}, and my Available Credit Limit ( " ACL '' ) ( defined as TCL - CB - PC ) as {$140.00}. They informed me that the reason my ACL was {$140.00} was because they had placed a payment hold on my account for the {$1300.00} payment to ensure  that the payment was credited. Despite several attempts, and speaking to a supervisor, the company refused to do any of the following : 1 ) remove the payment hold for the payment that should not have been allowed and is not going to be paid ; 2 ) change my ACL to accurately account for the negative value of my CB ; or 3 ) increase my credit limit so that I can use the card to a reasonable extent while their labyrinthine system processes the entire issue. The supervisor with whom I spoke refused to acknowledge that the system treats any negative CB as XXXX for the purposes of calculating ACL, but explained that having a negative CB would not increase my ACL because the company does not want to process single payments that exceed the TCL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
On or about XX/XX/XXXX, I asked my bank manager at the 5th 3rd branch in XXXX, MI. to perform a wire transfer to a vendor of mine in XXXX, XXXX. The bank had performed this exact task in the past, with only 1 issue previously. I was not present in the branch at the time of the transfer, and felt comfortable with that because the branch manager was handling the transaction personally and said she could just pull all the information from a previous wire. The monies were never delivered to the vendors bank in XXXX. The wire was for XXXX when the money was not available the following week, both my vendor in XXXX and I began asking the banks where the money was? no one had any answers. I never received any kind of receipt from the bank manager for the wire. when i asked her to send my the info she used it was a receipt from XXXX of XXXX. The bank in XXXX said it looked like there were missing numbers for the intercam bank, according to my vendor. The bank manager that handled the original transaction said she emailed someone and there was no response, she said they attempted to recall the wire, and got no response. then in mid XXXX she finally told me there was nothing more she could do, and I wouldn't be getting my money back. No one knows where my money went, and the bank never made it seem like it was even a possibility my money wouldn't make it to its destination. The bank charged me for a service, then lost my money, and refused to take responsibility for the results. How is this in any way shape or form my liability?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On    XX/XX/XXXX  , I  got an email from USAA advertising their 0 % for a year promo for balance transfer, and if I acted by  XXXX   XXXX , I 'd get the 3 % waived. I found out today that I was charged the 3 % when I asked why, they directed me to the fine print that it has to be POSTED by the  XXXX , not initiated. I told them that was deceptive because I had no control of when they posted anything, they could deliberately hold posting beyond the  XXXX  to get more fees. I also asked them why 'd they send the offer on  XXXX   XXXX , knowing I could n't take advantage of it since it takes many days to process.. After an hour, I was basically told tough   XXXX   XXXX   XXXX  . They refused to cancel the balance transfer, refused to refund the 3 %. They told me I was free to pay the credit card off, but they 'd still get the 3 % I got transferred to the escalations department. I want to point out that I just wanted to take advantage of the offer. I never pay credit card interest, and never carry a balance so when they stole 3 % from me, they cost me money, not save it. Given that, as the consumer, this was n't clear advertising, but default they should be forced to make it right. When you initiate a transaction with a bank online, you do n't anticipate them to take a week to process it. Given the facts above, I ask that you submit to USAA and request them to make this situation right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief