BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-12
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:
Per my credit reports, The account XXXX XXXX XXXX, has been opened since XX/XX/XXXX until XX/XX/XXXX. First red flag, is there isnt even an inquiry on my report for an auto loan. Secondly, there is NO payment history dating back to the initial opening date. But what is most imperative is the fact that I was XXXX prior, during and after this accounts closure. I was XXXX  in court on XX/XX/XXXX and was released into an XXXX XXXX program on XX/XX/XXXX and Ive attached the court documents again. And ever since Ive seen this on my credit report I have been trying to dispute it. Ive sent in multiple disputes to all three credit bureaus and which XXXX has since removed it. But transunion has refused to delete this item even after Ive provided cemented evidence that there is no way that I was physically or even electronically able to open this account. Nor did I give anyone permission to open this account. This account was opened fraudulently and needs 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 2022-07-21
Company: Experian Information Solutions Inc.
State: MD
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 appreciate the time of CREDIT BUREAUS to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 EXPERIAN and XXXX are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous Complaint with # XXXX XXXX ; XXXX ; XXXX & I am including it again. Please delete the following items : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-12
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Frontline asset management has not provided me with validation. I requested verification in XXXX and they sent a COPY of a statement in XXXX, and said that is all they had on file to give me at the time. 
My dispute with them- On XXXX XXXX I sent a letter certified mail asking frontline asset management to validate the debt and provide competent evidence that I have a legal obligation to pay the debt. I asked for an agreement that bears a signature of alleged debtor where he or she agreed to pay the creditor as well as an agreement with their client that grants them authority to collect on alleged debt. I also requested any insurance claims that have been made by any creditor regarding the acct, verification that this debt was assigned or sold to collector as well as other details, see attached. This is a request for validation made Pursuant to the fair debt Collection practices act. I specifically requested validation, not verification. Regardless, the certified mail was delivered on XX/XX/XXXX at XXXX am to frontline. I received no response from frontline asset management at any point even after 4 months had passed. Please note, this complaint is strictly regarding the lack of response to my certified letter dated XX/XX/XXXX. I have proof of delivery. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After receiving a credit notification from credit bureaus I was made aware that a collection appeared on my report I contacted the list collection company and requested VALIDATION the customer service representative refused and stated I could contact the original creditor myself as he couldnt provide me the requested information ... .I advised him that I had no knowledge of his company not had I been contacted by them he then give me a address stating it was my address the address he provided is NOT my mailing address so I provide correct mailing address he still stated he would send a bill no validation I told him to remove from my credit file until he was able to provide the information needed he refused ... ... I later received the bill as he stated still no VALIDATION ... I send letter to company asking for validation again with no response I have enclosed the letter to company they have no responded to my request to Validate the debt but continues to report to all three credit bureaus and call to collect ... .This is a direct violation of my rightper the Fair Credit Reporting Act

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 2022-07-21
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a outstanding debt reported on my credit report that does not belong to me. The original bank has no record of the account, but the debt collection agency continues to call, mail and report this on my credit report, resulting in bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX, XXXX I sent a letter to Transunion requesting an investigation into the derogatory items on my personal credit report. On XX/XX/XXXX I received a letter from Transunion dated XX/XX/2022 stating they did not believe the letter was from me and came from a third party!! They are not investigating. How dare they assume that I am unable to look up this information to assist me in writing a proper letter! Also if I was working with someone else for assistance how is that their business?? This is ridiculous and insulting.

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 2020-06-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
2nd request. These are not my accounts..please remove 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 2020-06-13
Company: JTM Capital Management, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello i had problems with this card company and filed a complaint about the with cfpb # XXXX and now with no notice, we find out that another company reported it on my credit they never sent us any notice what so ever and have not allowed us our due process this is a secured card that has been paid they are killing us with late fees and the penalty for no reason

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 2022-04-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I was charged {$410.00} at a XXXX XXXX XXXX in XXXX XXXX. I have never been to this Gas Station as it is XXXX miles from my home. I XXXX XXXX a XXXX XXXX and XXXX XXXX XXXX I have never spend more than {$60.00} at any gas station. 

I called Wells Fargo to open a claim. They closed my card and sent me a new one. They also credited me for the charge. 

Today I saw, the charge reappeared on my statement for my new card on XX/XX/2022. I called Wells Fargo and they told me the claim was denied because the card was always in my possession. I was given no notice or explanation of this decision. They opened a new claim, but I find this to be unacceptable that I need to spend money and have this charge on my account. If one uses common sense and sees the facts, this is clearly fraud. Please help. 


This is the address to the gas station, which I found with a simple google. 

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 2021-12-12
Company: Certegy Holdings, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2021 I tried to write a check for cash at a XXXX supermarket and It was denied. this is the first time this has happened. I sent off for a report on me and it came back with no reason they denied the check. The same thing happened today XX/XX/2021 at a different XXXX. I have written many checks here over the years and have never had one returned or denied. They have wrong information on my list of checks I have written and I do not have a way to correct them since I can never speak to a live person. There is no reason for this and this company is going by wrong or no information. The company is Certegy. Both amounts were for {$77.00}.

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 explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a 30-day late payment on my mortgage account listed on my credit report in the payment history section, called XXXX XXXX XXXX XXXX Mortgage Account, which date was opened on XX/XX/2018. I have disputed this account with Experian and XXXX and they have not removed late payment for the month of XXXX to reflect a " never late ' payment status on my credit report and Experian, XXXX and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment for the month of XXXX from my mortgage account listed on my credit file for the month of XXXX immediately and if it is not removed, then I will be filing a lawsuit against Experian, XXXX, and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment for the Month of XXXX. XXXX XXXX it is reporting 60-Days late and on Experian it is reporting 30-Days late for XXXX on my credit report. I have attached a copy of an updated letter, which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment for the month of XXXX is an error on their end and for the credit bureau XXXX update the record to reflect pays as agreed for the month of XXXX. Therefore, I have attached it to this complaint.

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 2016-10-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX called me from a private number, I returned the phone call and received no answer. My employer then called me to inform me that XXXX called regarding case XXXX. I called the number back since I found out they contacted my employer and found out it was a collector on behalf of GE Money Bank calling to collect on a debt that is 8-9 years old. The number they called from was XXXX. I have never received any information from them and I could n't even XXXX their company to see what their premise was. I spoke with XXXX XXXX who advised me it was a debt, then said I could agree to go before a judge or they could file a judgment against me for the debt and garnish 25 % of my paycheck. That alarmed me since I was aware they contacted my employer. Since I was unable to find out more about the law firm, I advised that I did n't feel comfortable talking about the issue without contacting my lawyer. XXXX then got short with me and advised that any question I could ask my lawyer, I should just ask him. I, then, hung.up.

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 2015-08-13
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I am filing this complaint regarding Pay Pal. 
The fees they charge for a seller on ebay are not transparent. They are hidden, and difficult to find. For the casual individual selling something on Ebay, it is very tricky. 

1. When you receive payment from a buyer through Pay Pal, you receive an email from Pay Pal saying that you received a payment of, for example {$100.00} from a particular buyer. There is no mention of fees being taken out by PayPal. If you go to your Pay Pal account ( using the Pay Pal phone application ) there is no reference at all to fees anywhere on the site. When you look at your personal activity ledger, it will show, for example for the fictional transaction above, that your account was credited approximately {$97.00}. There is no reference, even in the details of the transaction report, to the 2.9 % plus {$0.00} in fees that Pay Pal removes from what the buyer paid. The smaller amount just shows up in your account. This seems to me obviously designed to make it difficult to see the fees, and to make it likely that many people will overlook the fact that fees are being taken out of the account. If you just go by the emails you receive from PayPal, you will one day look at your account and find significantly less money than you expected. Pay Pal should be required to show the fees they are taking in the emails and phone application account activity. Anything less is deceptive and misleading. 

2. The PayPal website is better on this, but only slightly. If you go to the Pay Pal website, and have not signed in, then if you scroll to the very bottom of the page, you will see a small word " fees. '' If you click on that you get information on seller fees. However, once you log in to the pay pal site -- which most people do immediately and automatically -- then the fees information disappears!! In other words, once you log in, you can not get information on fees!! Obviously designed to hide information from Pay Pal users. 
On the website, in your one 's personal account, you see nothing about fees in the listing of transactions. Only when you click on the details of an individual account do you see the actual calculation : the money sent by the buyer, and the amount extracted by Pay Pal. 

The above represents classic tactics to hide the amount and taking of fees from Pay Pal users. Obviously, the intrepid and careful user ( who does n't log in ) can find the information. But Pay Pal has designed its system to hide this information from the user who uses Pay Pal 's phone application ( no information about fees at all, and misleading account information ), and even on the Pay Pal website the fees are unnecessarily hidden. Pay Pal is a huge company. With millions of users, they are able to make quite a bit of money out of these deceptive practices. This is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account : 1. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : 1. 53917611 They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : 1. 3540*** They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2017-05-20
Company: BARCLAYS BANK DELAWARE
State: KS
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:
On  XXXX   2017 , I paid Barclay card a settlement. I have a confirmation letter confirming receipt of the settlement dated  XXXX   XXXX ,  2017 . As of  XXXX   XXXX ,  2017  the account continues to show unpaid/collections on my  XXXX  credit report. When I conta ct Barclay card  they said there was nothing they can do about it.     I was advised by my attorney that they are required to update every 45 days, and I am being denied credit due to this account appearing as collections,  despite Barclay car d acknowledging by phone on  XXXX   XXXX ,  2017 , that the account is paid and when I asked them to update the credit bureau they said " There is nothing we can do about it ''.

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 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, i was walking down the street when i got a notification on my phone saying that someone took {$920.00} out of my account. I called the bank and they said they will end banking relationships with me and its likely i cant get this money back.

Company response to consumer: Closed with explanation