BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I have some concerns reguarding late payments appearing on my credit report. XXXX XXXX account no # XXXX and XXXX XXXX XXXX account XXXX These accounts have been verified. What method of verification do they use? 15 U.S. Code 1681i - Procedure in case of disputed accuracy.These late payments are reporting inaccurate. The last payment i made to nissian was in XX/XX/XXXX of {$500.00}. I was never late. They refused to help me keep it in XX/XX/XXXX. I had called them for assisstance, they refused. 15 U.S. Code 1602 - Definitions and rules of construction 15 U.S. Code 6802 ( a ) ( b ) ( c ) - Obligations with respect to disclosures of personal information. 15 U.S. Code 6803- ( a ) ( b ) ( c ) Disclosure of institution privacy policy. 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681a 2 ( A ) ( i ) .15 usc 1681a4 i have right to privacy. usc 1681 ba2 cant publish without my written instruction. usc 1681b- permissible purpose. usc 1681s-2- a person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
PayPal permanently restricted my account and has been holding my funds for over 2 years after saying to me over the phone 2 years ago that my funds will be held for 180 days & that I would receive an email on instructions on how to remove my funds its been 2 years going onto 3 soon & PayPal agents still cant help me out. Still no emails or further information?? 
Its XXXX dollars they are holding

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This third party debt collector is the second collector trying to collect a debt not owed and refused to validate the debt is owed by me. I have sent a affidavit notarized and certified mail disputing the debt requesting they provide the contract that binds me to pay a debt, requesting the verification that I a living breathing man signed a contract with my wet ink signature. They have yet to respond and the debt is still on my credit report which they are now not acting in good faith. I have attached the affidavit i sent 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 2023-05-28
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have not supplied proof under the doctrine under 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.

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 2023-01-13
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 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 The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report. Your prompt attention in this matter is greatly appreciated

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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 report agency can not furnish an 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

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 2023-05-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX XXXX 2021 I ordered a piece of furniture that never was shipped. I inquired and through an text exchange I was offered and accepted a refund. Unbeknownst to me, the customer service rep instead ordered another piece and charged me for it. 

On XX/XX/2021, I filed a dispute with Comenity Bank and attached a copy of the text exchange clearly showing I was offered and accepted a refund. I never authorized another order. Comenity still has not ruled on the dispute. I was forced to pay the balance with late fees. Emails to them are answered with, we are aware and are investigating the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection agencies must be authorized to collect in the state their trying to collect in. This company does not have the right to collect debt in the state of Georgia. This is a violation of the FDCPA. Below I have attached the screenshots of my Credit Reports. Also, I have attached the company 's state licenses and registration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Continental Finance Company, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just received a letter from your company stating that I owe an outstanding balance ( see your letter attached ). This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

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 2023-03-13
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:
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. 

Account XXXX : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 of 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 non-monetary relief
Consumer complaint received 2023-05-28
Company: Central Portfolio Control Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This third party debt collector is the second collector trying to collect a debt not owed and refused to validate the debt is owed by me. I have sent a affidavit notarized and certified mail disputing the debt requesting they provide the contract that binds me to pay a debt, requesting the verification that I a living breathing man signed a contract with my wet ink signature. They have yet to respond and the debt is still on my credit report which they are now not acting in good faith. I have attached the affidavit i sent them. My medical information is private and this attempt is a violation of HIPPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: CITIBANK, N.A.
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:
1. CITIBANK purposely harassed the card holder from XXXX for the charges disputed by the card holder even it knew what it did was wrong from the beginning!

2. CITIBANK hired several collection agencies to do the same things, several collection agencies backed out after they got the disputing reasons card holder provided.

3. CITIBANK executive responding unit : reversed black and white at and fact twice in their letters to the card holder.

4. CITIBANK in XXXX again hired XXXX XXXX XXXX XXXX XXXX as its another try : filed civic case against the card holder. 

5. XXXX XXXX XXXX, XXXX requested the dismissal the case on XX/XX/XXXX just days before the trial date of XX/XX/XXXX, WHY! 

6. Card holder faxed a request ( 98 pages ) to CITIBANK disputing dept at XXXX and XXXX XXXX XXXX at XXXX, XXXX on XX/XX/XXXX, NO RESPONSE from either of these two, WHY! 

7. Card holder reserves the right for further legal actions against CITIBANK.

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 2023-05-28
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I request LVNV Funding LLC validation of allege debt {$1700.00} or cease and desist all harassment of allege debt. I am requesting VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) validation of debts, or removal of alleged debt in the total amount of {$1700.00} from LVNV Funding LLC. They have failed to provide the VALIDATION OF DEBT, FDCPA 15 U.S.Code. 1692c ( a ) states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given LVNV Funding LLC, the above written consent to contact me in connection with the collection of any allege debt. I do not have a signed contract with LVNV Funding LLC and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize LVNV Funding LLC to have access to my personal information. This information collected by LVNV Funding LLC clearly is a gross and tortuous effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this allege debt. Specifically there does not exist a written contract signed by both parties and me as specified in the Doctrine of Privity creating a contract that obliges me to pay LVNV Funding LLC. I request LVNV Funding LLC, provide a signed contract between LVNV Funding LLC and me regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove items totaling {$1700.00} from credit reporting agencies, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good evening, My husband and I obtained a fixed-rate conventional mortgage in early XXXX. Initially, our monthly mortgage was approx. {$2000.00}. For the last 4 years, Wells Fargo has sent us letters each year stating that we are behind in our escrow account. In late XX/XX/XXXX, we received another letter stating that we are now {$4000.00} dollars behind in our escrow account which raised our mortgage to {$2600.00}. That is alot of money added to our monthly payments since we obtained our loan. We were only given 30 days until the payment adjusted. I have not ever had this happen before and I believe something unethical is occurring. We have a fixed loan so why has the mortgage adjusted by that amount? I'd like to request assistance on getting this resolved by having this investigated. Consumers obtain loans based on what they can afford and don't expect to be blindsided in this manner.

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 2023-05-28
Company: Experian Information Solutions Inc.
State: OK
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 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 2022-11-29
Company: Experian Information Solutions Inc.
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-05-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY
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:
Chexystems is reporting an account and they refuse to fix this. The account is XXXX XXXX They claim it was " verified ''. The bank will not show me the documents bearing my signature for this account.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX didn't open this loan fraud

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 2023-05-29
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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:
SANTANDER CONSUMER didn't open this loan fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( 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 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 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 XXXXXX/XX/2022

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 2023-05-29
Company: PatientFi, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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 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 account under an open end customer credit plan as late for any purpose.

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