BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme frustration and annoyance regarding the persistent inclusion of a fraudulent account on my credit report. I have already disputed this account with another credit bureau, and they promptly rectified the error. However, despite their acknowledgment and correction, your bureau continues to report this fraudulent account, causing unnecessary distress and inconvenience XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It has come to my attention that your bureau is still reporting a fraudulent account that has been previously disputed and rectified by another credit reporting agency. I find it incredulous that, despite providing evidence of the fraudulent nature of this account, it persists on my credit report, tarnishing my creditworthiness.

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 2023-09-06
Company: Penn Credit Corporation
State: FL
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: Was not notified of investigation status or results

Complaint:
On or about XX/XX/2023, I sent a certified letter to Penn Credit Corporation/ XXXX XXXX XXXX XXXX XXXX Account : XXXX Balance : {$300.00}, to validate the debt, to no avail has the debt been validated by Penn Credit Corporation , and or the findings has not been forwarded to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Dave Operating, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I had a pretty pay Dave account before with XXXX XXXX  an someone did the transfer as well I'm victim of identity theft sense XXXX with full name dob birth certificate I would like to know why XXXX benefits come out every year income taxes also getting ssi income an I'm not getting anything of it as well my social media an everything is being hacked as well my name Is XXXX XXXX XXXX XXXX XXXX this transaction went in XXXX with XXXX please pull full investigation as well as my email says income tax information has change I ain't done income taxes only once in my life in XXXX it had the app open foreign transactions that's how that transactions happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe there has been a mistake in this decision, and I would like to appeal for a re-evaluation of my case. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. I have not knowingly violated any of these policies, and I take the terms of service seriously. Therefore, I am perplexed by the decision to permanently limit my account. 

I kindly request that PayPal conducts a thorough and impartial review of my account activity. I am confident that upon such a review, you will find no substantial grounds to justify the permanent limitation. I am more than willing to provide any additional information or documentation required to assist in this re-evaluation process. 

My PayPal account has been an essential tool for managing my financial transactions and online payments. Its limitation has caused significant inconvenience and disruption to my personal and business activities. I sincerely hope that this matter can be resolved promptly so that I can regain access to my account and continue using PayPal 's services. 

In conclusion, I firmly believe that my account limitation was imposed in error and request that PayPal re-investigate my case thoroughly. I kindly ask for the restoration of my account if, upon review, it is found that there are no valid grounds for its permanent limitation. 

Thank you for your prompt attention to this matter. I eagerly await a favorable resolution to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Credit Bureau Name : TransUnion LLC Consumer Dispute Center Credit Bureau Address : XXXX XXXX XXXX XXXXXXXX, PA XXXX Last 4 of SSN : XXXX RE : XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payment on ( XXXX ) on the account ( XXXX XXXX XXXX XXXX XXXX ). 
This is not true, I was not late on ( XXXX ). I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, 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 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
What happendd is in XXXX 2019 my capital card ended XXXX was charged {$4000.00} in XXXX by someone that was unauthorized to charge my card.When I tried to reach out to the company they have never pick up my call .When they do, they hang up on me. When I file a complaint Capital one had already sold my account and did not want to remove the charge.I submitted multiple disputes to both XXXX and XXXX still this fraudulent charge was not removed. 

I am asking please for this charged to be removed from my XXXX  and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2023-09-06
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For the past two months, I have been receiving from Penn Credit Corp. a debt report. They want me to pay for something I never got or asked for. I called them but they refuse to give me information about what I have supposedly bought from some media company. They also refuse to give a phone number of that company so I can cancel this monthly transaction of {$34.00}. They listed the date of XXXX as the beginning of this purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness of the information. This is your final chance to resolve the inaccuracies on the items : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : 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 2023-09-07
Company: CITIBANK, N.A.
State: CA
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:
My credit report is showing late payments to CITICARDS CBNA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CITICARDS CBNAs customer service representative.

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 2023-09-07
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the account information being reported by Discover Bank ( Account Number : XXXXXXXX  ) on my credit reports with your credit bureau. I have carefully reviewed my credit reports from XXXX, XXXX, and XXXX, and I have identified significant discrepancies in the reporting of this account. The discrepancies in reporting dates between the three credit bureaus have raised concerns about the accuracy of this information. 

Here are the details of the discrepancies : XXXX : Reporting Date : XX/XX/2023 XXXX : Reporting Date : XX/XX/2023 XXXX : Reporting Date : XX/XX/2023 These inconsistencies in reporting dates for the same account with Discover Bank are a cause for concern. The discrepancies could mislead creditors and lenders who review my credit report, potentially affecting my ability to obtain credit and loans. 
I kindly request that you investigate this matter promptly and make the necessary corrections to ensure that the account information is accurate and consistent across all three credit bureaus. Please verify the accuracy of the account 's reporting date, and if it is found to be incorrect, update the information accordingly. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I expect this dispute to be resolved in a timely manner, as required by law. Additionally, I request that you provide me with written confirmation of the actions taken to correct this discrepancy once the investigation is completed. 


I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please send me a written response within 30 days of receiving this letter to inform me of the results of your investigation. 

Thank you for your cooperation and for helping me maintain the accuracy of my credit reports. I can be reached at XXXX or XXXX if you require any additional information or have further questions regarding this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit 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 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 response to consumer: In progress
Consumer complaint received 2023-09-07
Company: Global Lending Services LLC
State: IL
Product: Credit reporting 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:
these are unauthorized inquiries on my credit report from the following companies that i would like removed. information as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 USC Ch. 116 : CORONAVIRUS ECONOMIC STABILIZATION ( CARES ACT ) Remove negative during natural disaster up till XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Didnt receive funds called since XXXX total 11 times spoke 7 representatives 4 managers went through the whole process and agree to have the money but keep saying they sent it out and I have the option of waiting for another or just waiting for the check thats my only option I keep waiting the ten to 15 days and they refuse to expedite, track, give me a tracking number send certified. I ask to speak to the managers supervisor two times they refuse and say he will call in 48 hrs and he doesnt. I banked with this bank since 1988 and this is how Im treated

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 2023-12-08
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-09-07
Company: WELLS FARGO & COMPANY
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
At the beginning of XX/XX/XXXX, I received a letter from Bank of America stating their XXXX XXXX XXXX program was being discontinued. Consequently, the XXXX XXXX XXXX credit cards were to be converted into their Unlimited Cash Rewards cards. The letter stated if my accounts were open and qualifying payments were made from XX/XX/XXXX through XX/XX/XXXX, I would receive a final one-time statement credit of {$20.00} on each account within the next XXXX weeks. On all the cards, a final qualifying payment was made on XX/XX/XXXX. With regard to the XXXX week waiting period, if we were to start from XX/XX/XXXX, XXXX weeks later would be XX/XX/XXXX. Today is XX/XX/XXXX and I have yet to see the {$20.00} credits on any of my XXXX accounts ending in XXXX, XXXX, XXXX, XXXX, and XXXX. I upheld my end of the terms and I wish Bank of America will do the same.

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 monetary relief