BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TRANSUNION REFUSESE TO REMOVE STUDENT LOANS, NAVIENT # XXXX. XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX. FROM THE ADVERSE ACCOUNTS SECTION AND PLACING THEM IN SATISFACTORY ACCOUNTS AS REQUESTED IN MY DISPUTE. THESE ACCOUNTS ARE OVER SEVEN YEARS OLD. TRANSUNION INDICATES ON THE REPORT THAT ADVERSE INFORMATION TYPICALLY STAYS ON THE REPORT FOR SEVEN YEARS. TRANSUNION HAS ALSO REFUSED TO REMOVE A XXXX XXXX ACCOUNT # XXXX AND A XXXX ACCOUNT # XXXX. THEY WERE INCLUDED IN A CHAPTER XXXX BANKRUPTCEY DISCHARGGE. OTHER ACCOUNTS THAT WERE INCLUDED IN THE CHAPTER XXXX WERE REMOVED.

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 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A year ago I filed Bankruptcy. All of my debt was discharged trough it in 2015. 

Back in XXXX I checked my credit report to make sure that there was no more debt. I noticed that the reports showed {$0.00} balance on the accounts but that the accounts were still opened.I disputed the status of the accounts and both XXXX and XXXX corrected the status to show as closed but Trans Union did not. 

After receiving the results dated XXXX XXXX from Trans Union, the accounts still showed as open. I then re-disputed the accounts and waited for more results. As of today, my credit monitoring service shows Trans Union still reporting them as open. 

I know that what Trans Union is doing is illegal. They are supposed to investigate the accounts and correct and update them. How can they update an account as open if it is included in bankruptcy and they have the records to show Bankruptcy is filed and all the accounts are included in it? That is either laziness or willful negligence. 

Now that they have had XXXX chances to correct my records and have failed to do so, I am imploring you to look into their practices. If this does not get corrected I will be forced to take more drastic measures as I wo n't allow them to misreport my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX with a balance of XXXX with a balance of XXXX these accounts show on my credit report, company has been unwilling to answer requests for information on these debts and continually reports them as " verified '' to the credit reporting agencies. in effort to repair my credit, even though the balances are not mine nor do i know the accounts, i paid the amounts directly to PRA. The accounts were re-verified with the credit reporting agencies and still shows full balances on my credit report. i find this tactic a bit dishonest and want PRA to remove the items from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card
Issue: Other

Complaint:
Bank of America recently deactivated my ability to make payments online. They provided a number to call, but I never get through. I do not have time to wait hours to get a hold of anyone. I 've talked through email and online chat, but those individuals tell me to call the number again. I have n't lost any money yet, but technically I will be paying more interest if I have to mail by payment since they are making it inconvenient. I have never experienced this from my other banking relationships.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I initiated a dispute with XXXX, XXXX, and Transunion XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over XXXX XXXX XXXX ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All XXXX credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for Transunion, however they did not remove the old item either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
My wife XXXX purchased something on her XXXX credit card toward the end of last year. We received the invoice. We made prompt payment but unfortunately we had an old XXXX account number on our Bill Pay. We requested a dispute process. Dispute forms were sent. We then went to gather the details from the bank and realized the error. The money that was sent to that wrong account number had actually been refunded shortly after payment. We called the credit card company back and explained what had happened over the phone. We agreed with the representative that we would pay the original amount and be done and we did that right on the phone and that we expected was the end of it. 

We have since received multiple bills from the company assessing new late fees and interest charges. We called to inquire and were told that we did n't return the complaint forms and they did not have record of that conversation with their operator. Therefore we would continue to accrue late payments and interest fees They confirmed they had received the payment though. When we asked them to check the records of the conversation assoicated with payment they refused. 

This situation is completely ridiculous. these are very small amounts of money and it is clear this is standard operating procedure for these guys. Any reasonable / reputable company what have consdiered this payment in full as was agreed on the phone. 

I have attached the following : ( 1 ) Bank statement showing good faith attempts to pay XXXX on XX/XX/2016. this included two payments attempts. One for the original balance in the amount of {$59.00} and another in the amount of XXXX which I believe was the balance with fees ( 2 ) the latest XXXX card statement showing fees added since we had agreed verbally to clear this issue by paying the original {$59.00} ( 3 ) the message I received from XXXX when inquiring what happened with the payments. I was trying to find out details of where the payments had gone and why XXXX had not received them. this is the point where we realized the mistake, called the XXXX card people back and THOUGHT we had taken care of it the way two rational adults would, but apparently not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-13
Company: AAA Collections
State: ND
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Failed to stop sending notices, failed to provided details of amt due, fialed to send request information per my letters. 

Violated Fair Credit Collection Laws. Fail to response to my letters requests.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A fraudulent account is appearing on my Experian credit report. The account is XXXX XXXX XXXX XXXX account number XXXX. 
I 'm a victim of identity theft and have disputed this account with Experian. 
Experian refuses to remove this account from my credit report after numerous dispute attempts. 
The company that is reporting this information, XXXX XXXX XXXX XXXX has been unprofessional and unhelpful in my attempts to figure out why this is appearing on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX debt collector SouthWest Credit System is attempting to try and collect on debt that was previously removed from collection agency named XXXX XXXX. XXXX XXXX credit agency 's did not verify the account back in XXXX of 2019. This past week the new collection agency reported to XXXX  and XXXX. I would like them to remove the attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: OneMain Finance Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I original had this overdraft line of credit on my checking account with XXXX Bank. however, due to a divorce I defaulted on the loan XX/XX/XXXX or XX/XX/XXXX. Due to the statue of limitation the debt should have been removed from my credit report XX/XX/XXXX. XX/XX/XXXX I submitted a letter to Portfolio Recovery ( debt was sold to them from XXXX XXXX ) requesting this debt be removed, and they responded they would not, and resubmitted it on my credit report XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i have XXXX accounts that this company has me listed as having that were from my idenity being stolen ... this company knowing this information is from a fraudulent source has continuted to hold these accounts with their company and report them as well evem try to collect on them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have written Transunion three times in reference to removing inaccurate information from my credit report. They have not removed any of the requested accounts and have responded back each time telling me that they have verified the information without provided me with any physical proof or verification. This completely violating the law in accordance with the Federal 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 2015-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I attached my latest report from XXXX XXXX, I tried to directly log into Transunion but, it says it does n't have my information available the last few times. 
I have XXXX account with XXXX XXXX XXXX, see attached. 
1- it reflects it is on a " payment plan '' it 's not it was paid in full through the court. 
2- it is not closed derogatory, it 's reflecting that because TU is in violation of the law. You ca n't report erroneous payment information and balances after the Chapter XXXX is filed, everyone is aware of the case. The judge suggested the bureaus just delete the creditor, simple as that : In re : Chapter XXXX XXXX XXXX XXXX, Case No. XXXX " Given all the facts and circumstances, including the Credit Union 's apparent good faith belief that it was properly reporting this debt, the remedy is for the Credit Union to cause the CRAs to remove the disputed information ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my personal credit profile and unknown inquiry was made from this company multiple requests to remove said inquiries or provide documentation of it's accuracy has all been ignore by company. The fraudulent inquiry remains on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Fraudulent Activity on my Pre-Paid Unemployment card over 6 weeks ago. Complete run around since. On XX/XX/XXXX I called and reported fraudulent activity on my pre-paid unemployment card. I went to bank the morning of XX/XX/XXXX to withdrawal my weekly benefit and to my surprise it had already been withdrawn. I then called the fraud department of BOA who took my statement closed the card and said they would reissue a new card and that i would be given a provisional credit within 7 business days. Well i never received credit! I did receive new card which worked for 1 week only and then i was told XXXX froze the card. I have since spoken to XXXX whom asked me to send appropriate documentation to them which was done on XX/XX/2021. I confirmed receipt with them on XXXX, 2021 in which they said they sent over documentation to Bank of America on the freeze tracker form. Well here it is XX/XX/XXXX another day of contacting BOA customer service, claims, and that fraud department. As well as contacting Nevada XXXX who once again tell me that i have done all that i can and that they sent everything to Bank of America so its it their hands. Another day of XXXX  telling me they don't know why BOA unilaterally instituted a policy that required XXXX  to check recipient 's identity after they report fraud. So first i get robbed via an ATM i have never been to and then it continues with me being re-victimized every week by BOA. Not only does BOA claims department refuse to work on my claim until my account is unfroze, i can not access any money in the account and Nevada XXXX  keeps depositing money in the account weekly and I can't access that either. I have been on an endless loop of calling BOA claims, customer service, and BOA and XXXX fraud department. I have done all i have been asked to prove that i am who i am. Meanwhile another week passes with BOA stealing my money again. Today i was transferred 16 times within BOA and nobody knew a thing on what to do. I would just like some real help in getting access to my account and monies and having my stolen funds returned. I hope someone and BOA Corporate knows how to help. I am also going to file a complaint with the Consumer Financial Protection Bureau as i have no idea how BOA is able to unilaterally institute a policy that absolves them of responsibility for adhering to Fair Credit Billing Act, which requires that i get a provisional credit within 20 days while claim is investigated. but, not only have i not got this by law mandated credit but BOA claims will not investigate claim while my account is frozen.

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 2021-02-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
I have contacted Equifax several times, via telephone, also faxed a letter to them informing them that I can not access my.equifax.com account. I always have my credit reports frozen, because I had ID Theft about two years ago and I have always been able to call and unfreeze them temporarily when needed. For some reason I am no longer able to do that with Equifax, I have called, and they told me to send them a letter with a copy of my SSN and my DL and copy of a bill with my name and address, stating what information I need. So I wrote them a letter as they requested and I still can not get access, every time I call them I am with them for an hour and I do everything they tell me and I still can not get access. They do not know what is wrong and I can not get access to my report to be able to see it, or unfreeze or or freeze it when I need. I don't know what else to do. I called the following number XXXX and XXXX and I also faxed a letter to them, which they confirmed as received. I hope you can help me. I need to be able to freeze and unfreeze my report and need to be able to have access to my report, in case of ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Paypal Holdings, Inc
State: MD
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Excessive fees

Complaint:
I made a purchase on my XXXX credit card of {$2700.00} XXXX dollars. At the time this would exchange at {$2000.00}. Going through PayPal I was charged 2-1/2 percent ( {$53.00} ) -- - {$2100.00} -- -which is almost XXXX times the bank card rate.When I complained to PayPal they said that I had agreed to this in some general consumer contract and that I could not choose to have the XXXX dollars be charged directly to my card. There was no mention of this excessive charge in the Pay Pal transaction. The Information is well-buried in the consumer agreement so I could not avoid the charge. I feel that this is an abusive and deceptive practice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Other

Complaint:
Someone submitted multiple electronic applications in my late mom 's name to American Express, American Express provided the application dated XXXX 2011 but did not provide the XXXX dated XXXX 2011. The name on the application was XXXX XXXX, my mom 's name was XXXX XXXX American Express had me submit death certificate, durable power of attorney, trust documents and will documents, but did not provide the application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed the account with XXXX XXXX XXXX XXXX  on several attempts specifically on dates XX/XX/2020, & XX/XX/2020, 2020 XX/XX/XXXX asking that the account be validated so that I could in fact determine if the account is mine There was no response on any of my letters to the company until XX/XX/XXXX the response that was given then is that they are unable to locate an account with the information provided. I then reached out to Transunion Credit reporting agency and ask how could they still be reporting this account on my credit file if the data furnisher is saying that they are unable to locate the account this letter was mailed to t Transunion on XX/XX/2020. It is my complete understanding that only 100 % verifiable information should be reported to a customers credit file in the data furnisher is unable to locate the account what is Transunion using to verify the account that can not be provided to me for me to determine if the account is mine. Sadly Transunion still has not responded to the letter dated XXXX XXXX I would like to reach out to help from your agency to determine the accuracy of this account reporting to my credit file and if verifiable information can not be provided I would like the account deleted from my credit file 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 2016-02-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian is continuing to report outdated information on my credit reports which violates the FCRA. Accounts are over seven years old, or have been more than seven years since any activity. 
XXXX acct # XXXX no activity since XX/XX/XXXX XXXX account # XXXX car was voluntarily reposed in XX/XX/XXXX all of the above accounts are past the statute of limitations ( XXXX ), but experian has still not removed the items from my report and they continue to report as current delinquent accounts.

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