BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Many attempts to have my mortgage reported to Experian.

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 2023-06-15
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:
To Whom This May Concern XXXX  XXXX bankruptcy was on my credit report and XXXX XXXX bankruptcy did not release this information to the credit bureaus remove this off my report by law under the Fair Credit Report they are violating.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion is in violation of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization

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 2023-12-18
Company: The Aligned Company DBA Extra
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my final attempt to cure and remedy this matter before seeking further counsel in regards to my last complaint XXXX, which I am following up to. Extra has failed to supply me with authorization to share my non public information with non-affiliates. I have never signed an authorization for them to do so and all their responses are false and misleading. I was assured my non public information would not be shared with non affiliates. Otherwise, I have been mislead by Extra and its use of language and securities fraud. This company refuses to upload the authorization to share with non affiliates to the CFPB portal and operating with great deception. As a financial institution as defined under title 12 U.S Codes it had refused to respect my privacy and my rights and continues to violate me and respond partially to my complaints.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchase in XXXX all the way til XXXX Will always been charge differently Always did false advertising

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It's been over 30 days and I have inconsistencies between all 3 reports that has not been updated or removed including inquiries, collection accounts that should not be on my report. Personal information and late payments that are inconsistent. I ask that the inaccurate information be removed immediately as these were requested over 30 days and it has not been reflected.

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 2023-10-23
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX I purchased something online in the amount of {$89.00} through PayPal for payment. 
PayPal automatically set-up reoccurring payments with the vendor in the amount of {$89.00} for 7 consecutive days or until XXXX, one payment per day. 

On XXXX PayPal authorized one payment for the purchase of an exercise machine. 
On XXXX PayPal authorized a second payment which was successful. 
On XXXX PayPal authorized a third payment but was denied somehow, I believe by my bank. 
I called my bank to notify of unauthorized transactions and to not accept any future requests from PayPal or the vendor. 
I tried to stop the reoccurring payments through PayPal 's website but was not allowed by PayPal, I have screenshots saved of these actions. 
I tried closing my account but PayPal would not let me, I have screenshots of these attempts. 
I called PayPal and the girl insisted on not helping me nor would she close my account. 

While this is a small amount, this adds up fast - {$89.00} x 7 = {$620.00} in a week. 
The website claims they sold XXXX units and if done the same way through PayPal, that's XXXX in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I am writing to express my deep concern and frustration regarding an unfortunate incident involving my Citibank account. On XX/XX/2023, I accepted what seemed to be a legitimate job offer from a company called Pharmscript Saga. I received a check for {$23000.00}, which I promptly deposited into my Citibank checking account. 

To my dismay, subsequent events unfolded in a manner that has left me in financial distress. Despite being assured by Citibank that the funds were secure, I discovered on XX/XX/2023, that a negative balance of - {$15000.00} had appeared in my checking account, as the initially cleared funds of {$18000.00} were unexpectedly denied. 

Multiple calls to Citibank seeking clarification did not yield a satisfactory resolution. The timeline attached outlines the events, including a wire transfer of {$16000.00} to an account associated with the scam. Additionally, a letter dated XX/XX/2023, from Citibank indicates that the check of {$23000.00} deposited on XX/XX/2023, is likely to be returned unpaid. 

This entire ordeal has caused me considerable distress and financial hardship. While I understand the complexities of fraud prevention, my experience with Citibank has been disheartening. I kindly request a thorough investigation into this matter and appropriate action to prevent similar incidents in the future. 

I appreciate your prompt attention to this issue and look forward to a 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 explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-10
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the SAVE plan but they put me on administrative forbearance without my consent or any notice and as a result of that the interest is accruing. I would like them to take me off from administrative forbearance immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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:
I sent a letter on XX/XX/2022 to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX : {$0.00}

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 2023-11-10
Company: Opportunity Financial, LLC
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
OPPFI/XXXX Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previously sent Letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, they claimed that I owed {$9400.00} in rent from a past landlord from XX/XX/XXXX through XX/XX/XXXX. In fact, I don't owe this rent -- my lease expired XX/XX/XXXX, and I moved out entirely after that period, cleaned up entirely with no damages, and wasn't affiliated with the apartment in any way after that period. I paid rent every single month on time and never missed any payments even through the pandemic. I asked for proof of debt in a letter and they wrote back 6 months later ( which is too long to even be valid ) in XX/XX/XXXX with my lease which clearly says the lease period ended XX/XX/XXXX. Yet they claim that I owe rent from XX/XX/XXXX through XXXX XXXX was in no way shape or form living or involved with the apartment at any time during those dates. I don't know who was or who owes money or if anyone was even living there at that time but it wasn't me. They are claiming that I owe money for dates that are not on my lease and for dates that I was clearly moved out ( and have many witnesses to prove ). I wrote a letter to them asking for proof that I was living there during those time periods or involved in any way ( through subleasing or the like -- which I wasn't ) with the apartment during those time periods, and if they could not provide this info then the debt was not valid and they must legally cease all communication. They did not listen and send another letter 3 months later in XX/XX/XXXX with simply the lease again ( which still says it ended XX/XX/XXXX ), and no further information to validate the debt. Since they didn't listen to my legal request to cease all communication as this debt is not valid, I am forced to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
U.S. Small Business Administration ( SBA ) dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 I am concerned about the impact of these hard inquiries on my credit score and would appreciate any advice or guidance you may have on how to minimize their impact. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX  Account number 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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : 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 2023-02-15
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: Personal information incorrect

Complaint:
THIS COMPLAINT IS AGAINST EXPERIAN CREDIT BUREAU. EXPERIAN TOTALLY DELETED THE PREVIOUS ADDRESS OF XXXX XXXX XXXX XXXX, XXXX GA XXXX FROM OUR CREDIT BUREAU UNDER PREVIOUS ADDRESS. 

WELL, WE KNOW WHY BECAUSE THE HOME WAS PREVIOUSLY PURCHASED BY XXXX XXXX XXXX PRIOR TO US EVEN TOURING THE HOME. BASICALLY, A GREAT MAJORITY OF THE HOMES ON XXXX XXXX XXXX HAS MORTGAGE FRAUD ISSUES AND THE OWNERS ARE BEING PAID TO PARTICIPATE IN THE PROCESS. IF NOT THE HISTORY OF THE HOME HAS BEEN MODIFIED! 

EXPERIAN IS WORKING WITH ALL OF THE INDIVIDUALS WITHIN THE RICO XXXX XXXX XXXX XXXX XXXX XXXX GA TO COVER UP THE FRAND AND ID THEFT AND FRAUD. AS A MATTER OF FACT THE ATTACHED INFORMATION SHOES THIS STRAWBUYER BEING THE INDIVIDUAL FORECLOSED ON NOT US. WE NEVER RECEIVED A LOAND FOR A MORTGAGE WE WERE PAYING HIS XXXX XXXX XXXX XXXX MORTGAGE IF THAT'S HIS NAME. 

EXPERIAN NEEDS TO CORRECT THE HISTORY OF ADDRESSES, THEY WANTED PROOF SO THEY ARE GETTING THAT AND MORE. THEY NEED TO PULLED XXXX XXXX XXXX AND IDENTIFY AND QUESTION HOW THIS PERSON IS STEALING HOMES FROM PEOPLE, THE ANSWER IS THE XXXX, ATTORNEYS AND OTHERS USE HIM AS A CATALYST IN ORDER FOR THEM TO BECOME WEALTHIER, HE GETS A PORTION OF THE FRAUD LOANS HE TAKES OUT IN OTHER INDIVIDUALS NAMES AND SPLIT THE REST WITH THE ENTERPRISE. 

EXPERIAN BETTER CORRECT OUR ADDRESS HISTORY. THEY ARE SO RUDE AND IS ALSO FULLY RESPONSIBLE FOR INDIVIDUALS LOOSING THEIR HOUSES, OH YEA THEY WILL BE CHARGED AND WELL AND INDICTED, TRUST AND BELIEVE ALSO, THERE WILL BE ANOTHER COMPLAINT. EXPERIAN HAS ALLOWED COMPANIES TO PULL MY CREDIT REPORT CAUSING NUMEROUS INQUIRIES ON TO MY 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 2023-11-13
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit 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:
I booked a round-trip flight ticket from XXXX, Colorado to XXXX ( XXXX ) XXXX XXXX on XX/XX/23 to XX/XX/23 via XXXX. I booked the ticket and paid {$1500.00} on XX/XX/23. 

My flight at the time of booking had three legs each way. The return flight also had three legs. XXXX cancelled two of the six flights without informing me. 

I contacted XXXX from the airport and received no help. I had to purchase two tickets at the airport for a total of {$390.00}. 

Upon returning I contacted Chase bank who issued my credit card for a charge back of {$390.00} on XX/XX/23 including receipts for tickets I had to pay for twice. I was sent a letter denying my claim on XX/XX/23 as XXXX provided proof that I was on the flight. I sent clarification to Chase that I was on the flight because I purchased the tickets again at the airport on XX/XX/23. My claim was denied again on XX/XX/23 without any explanation. 

I am attaching the documentation I provided to CHASE with this complaint. Please refer to Page 5 for a detailed overview of my complaint. It includes a receipt from XXXX and receipts for the flights I had to purchase again at the airport. 

My credit card dispute number with Chase is XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX XX/XX/.

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 2021-08-19
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have checked my credit through XXXX on XXXX XXXX. XXXX and I found out that I have a debt collection by Progressive MGMT System XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), the amount of {$3700.00} since XXXX and its balance was updated XXXX. XXXX by Progressive Mgmt System, I called them to dispute XXXX on XX/XX/XXXX and one of their staff told me that I have not paid my medical bill by XXXX XXXX XXXX XXXX, then after that I called my health insurance, they told me that in my medical records I never been treated by XXXX XXXX XXXX XXXX and all my emergency bills were already paid in full ( I only have admitted to XXXX XXXX XXXX  XXXX XXXX in XX/XX/XXXX XXXX Please see the documents attached.

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