BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and 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 2020-11-23
Company: Self Financial Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I have been putting money in a self lender installment account for the past sixteen months I wished to close my account and the amount for payout is XXXX dollars they are only allowing me to get XXXX dollars back because they say it is going towards their closed credit card I never agreed or authorized this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # 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 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 2022-07-31
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I had to visit the emergency room at XXXX XXXX XXXX in XXXX, CA. I am a veteran and submitted my payment information to the hospital. To my knowledge, the nearest VA hospital was in XXXX, CA at the time ( a drive of 3 hours or more ). The VA subsequently paid for the hospital bill but neglected to pay the Physicians bill to XXXX XXXX XXXX XXXX. It was brought to my attention in XXXX that I still had an outstanding bill with the hospital and that it was being sent to collections. I contacted the VA concerning this issue. XXXX VA at first said the bill was already paid, but I then told them about the physicians bill. The VA then requested that the physicians group contact them. The group agreed to do so and later reported that the VA was not responding to them. I call the VA and asked them to kindly attend to the unpaid bill since it would soon affect my credit. The bill eventually went to collections due to noncooperation from the VA. Apparently that debt was bought by another collections agency because I have recently become aware that my credit was downgraded by a debt collection agency called Commonwealth Financial Systems , Inc . Unfortunately, Commonwealth Financial Systems , Inc. is using predatory practices on me to collect on a bill that belongs to the Veterans Health Administration. I am requesting that this issue be addressed. I have tried to work with the VA and have only received the run around. Assistance would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The below letter from Bank of America is full of errors. 

On XX/XX/XXXX, I went to XXXX and bought a plane ticket using my Bank of America ( BA ) credit card. The ticket was to XXXX on XXXX XXXX. When I got to the airport the airline worker refused to let me on the plane because I did not have a visa to enter XXXX. I told her I was going to stay in the XXXX airport while changing planes. She still refused. It takes many days to get a visa for XXXX. She refused to issue a refund. So did her boss. The emails from XXXX and XXXX when I bought the ticket did not mention that I would need a visa just to change planes and not leave the XXXX XXXX. 

On XX/XX/XXXX, I spoke by phone with BA worker XXXX. I gave her the above info. She disputed the charge and told me if BA needed more info from me I would get a message in the " message center '' on the BA web site within 10 business days. I did not get a message in that time frame. Please direct BA to issue a refund for this charge, which appears on my credit card bill as XXXX, not XXXX or XXXX. Thank you. 



-- -- -- -- -- -- - XX/XX/2022 Account number ending in : XXXX Case number : XXXX XXXX XXXX We completed our investigation of the {$300.00} charge ( s ) from XXXX XXXX XXXX XXXX XXXX. 

We've thoroughly reviewed the details of your dispute ( s ), and based on the information we received, we're unable to pursue your dispute ( s ) further. 

- We didn't receive a letter specifically describing the service ( s ) you were to receive, the merchant 's failure to provide the service ( s ), and the details of your attempt ( s ) to resolve the situation with the merchant. 

- The merchant was willing and able to provide the service, but was prohibited from doing so as a result of circumstances beyond their control. 

If we previously issued credit ( s ) to your account, the charge ( s ) will be rebilled and will appear on your monthly statement. At this time, we consider your dispute ( s ) resolved and the balance is owed as stated in your Credit Card Agreement.

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 2022-07-31
Company: CBC Companies, Inc.
State: TX
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 Reference # 's XXXX and XXXX has violated my rights.

15 U.SC. 1681 section 602 A, States : I have the right to privacy.

15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions.

I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. 

Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. 

I will not accept another reinvestigation of the information Only deletion of the information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: LEXISNEXIS
State: TX
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 Reference # 's XXXX and XXXX has violated my rights.

15 U.SC. 1681 section 602 A, States : I have the right to privacy.

15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions.

I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. 

Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. 

I will not accept another reinvestigation of the information Only deletion of the information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX ( XXXX ) sent Pennymac a reinstatement and monthly mortgage via electronic deposit on XX/XX/XXXX. Pennymac claims they have not received a payment. Pennymac keeps hanging up on me and will not give us an answer as to where the money is just claiming they didn't receive it yet they did. Meanwhile our mortgage is late when they have the fund but have not applied them.Loan - # XXXX pennymac number XXXX. 

Additional payment will be sent for five months at monthly intervals. If the money was sent electronically..they have it and are deliberately living and holding the money maybe for interest... meanwhile our loan is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good Morning. My name is XXXX XXXX. My account number is XXXX. I just spoke to a XXXX representative. I was also informed XXXX only reports at the end of the month. I am currently in a deferment and my loan is in good standings and has been in good standing for the last few years. There is no balance due on my account. XXXX has reported incorrect information to the credit bureau twice this month. Once on XX/XX/2021 and XX/XX/2021. My credit score has dropped 42 points. This has caused me great pain and suffering. I have been working on my credit I have paid over several items recently. XXXX has done this in XXXX of this year and they fixed the problem now this is happening again. This is unacceptable. I have called, emailed, mailed, and faxed numerous letters to XXXX and no response. XXXX has only reported this to Transunion.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reviewed my report and noticed incorrect information. I would like this to be updated.

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 2023-11-01
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The company denied my application for a credit line for credit report discrepancies on XX/XX/2023 and other multiple occasions. Pursuant to the Truth in Lending Act, I should be allotted the same opportunity as someone with a perfect credit score. Pursuant to the Federal Reserve Act Section 16, in no event shall the amount applied for using collateral security be less than the amount requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed into giving out my information for TD Bank and the people changed my password and i received a message saying i owe money to the bank now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I got money request to my paypal account that someone named " XXXX XXXX '' is requesting XXXX XXXX and within the note of the email by the requester there was a phone no. XXXX that if you don't recognize this call us back. When I called them a lady with XXXX accent told me I am being hacked and I need to go to " XXXX  '' website and made me download a software and then wanted me to open up my checking account ; only on the computer and not the app. When I opened it computer screen turned to " window updating '' which spooked me and I started confronting her if you are really from Paypal to which she started to get angry and cutt the line off. I have reported this to both my XXXX XXXX XXXX  and paypal as well. Fortunately no money was taken out of my account as I got spooked right on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: MS
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 account below has Violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A

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 2022-07-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was XXXX for 3 months, when I was XXXX I called chase and made arrangements with them to make at least one payment, which I did on XX/XX/2022, yet my vehicle was repossessed on XX/XX/2022. 

when I called for redemption of the vehicle, Chase asked for full payment of the remaining loan. {$15000.00}. 

I pleaded with them to make some payments to bring the payment up to date, but they refused, asking for the entire balance of {$15000.00}. 

I believe this to be unfair treatment, given that I had an impeccable record with them prior to XXXX XXXX, and I have shown a willingness to pay the debt also, the vehicle in question is my only livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My PayPal account can not be linked to the bank and withdraw cash. I have contacted the customer service staff " XXXX  '' many times. The attitude is extremely bad, and I ended my call directly. So far, the account problem has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX am a consumer of the US and i recently got a copy of my consumer report and noticed several unauthorized inquiries. Attached is my letter sent to transunion regarding this matter along with a identity theft 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 explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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

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 2022-12-08
Company: CITIBANK, N.A.
State: VA
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:
I paid an agreed a pun amount between myself and Macy`s for credit card debt. After I paid them they sent a letter dated XX/XX/XXXX stating my account balance is XXXX. On XX/XX/XXXX they reported to all credit bureaus that I owed a high amount of debt.

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