BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It has become apparant that the Data Breach in XXXX has caused considerable damage to millions of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from all 4 reporting agencies and new social security numbers issued

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 2022-04-30
Company: Experian Information Solutions Inc.
State: CT
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need 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 explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello. I had a fraudulent charge of {$320.00} reported on my account by XXXX XXXX XXXX and I called and wrote to both them and Transunion. I never received anything back from either company. I then issued a dispute and transunion replied it was investigated and was a valid charge. I then wrote and called again and the billing company finally found their error and notified transition that it was in fact a billing error. On XX/XX/XXXX my credit account was changed to say the {$320.00} was " paid off '' implying that I paid the fraudulent charge instead of just removing it from my credit report. I then issued another dispute with them but it still say 's " paid off '' and it would stay on my credit report until 2026. That would not be fair as I never owed that money. Thank you for handling this for me as I have spent many frustrating days on the phone and writing letters.

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 2017-06-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My USAA member ID is XXXX and I have an auto loan with USAA. Recently in violation of many consumer protection laws, USAA restricted my access to USAA.com and cancelled / closed my credit and banking accounts. This poses a problem as I have never received a billing or account statement in writing from USAA for my auto loan. It was set up to all be completed electronically, were the statements are available on usaa.com and all payments are auto debited from my USAA checking account. <P/>This is an issue as now USAA has closed my checking account, so automatic payments are not possible going forward. I called in to request assistance with this as I do not know the amount, or where to send my car payments to keep it current going forward. I was told automatic payments would be stopped and I 'd begin receiving paper statements. I have to to receive any statements from USAA for my Auto Loan. Most recently I called in today on X/XX/2017 and after being transferred several times I spoke with XXXX. She informed me Paper Statements could and would not be sent to me as I agreed to receive all statements via USAA.com at the load origination and she was unable to change it. I requested the payment amount, address to send it to and billing history be sent to me at my home/billing address. She informed me that could not be done I needed to view it all on USAA.com. This poses a problem as USAA restricted my access to USAA.com making it impossible for me to do. <P/>So now, I am unable to pay for my auto loan, view past payments or even know where or how much to send. I 've requested this in writing many times and have not received anything. By USAA 's own intentional actions they have intentionally prevented me from being able to meet my obligations, despite my many attempts to find a legal and fair way to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I've been using Paypal for over 10 years without issue. The account had sat dormant as there has been little business since COVID. When a client sent me a deposit I found the money was not accessible. The message I had was that I had to wait 21 days, which I did. I then tried to access the funds again, again with no luck, This time I contacted Paypal who indicted that they needed business information less than 6 months old. The only thing I have, since my XXXX expired, was my tax forms, which I sent along with my scheduled C. That didn't get the money released so I went to refund the client the money, who was on board with just mailing me a check. I attempted a refund, but Paypal attempted to take the entire XXXX out of my banking account rather than the XXXX plus in transaction fees. I then blocked Paypals access to my account. I again, contacted Paypal. The lady who called me back indicated that she had returned the fees associated with the transaction so I could refund the money once the original attempt was rejected. I got that notification today and attempted the refund, which again was rejected. I contacted Paypal yet again and received a call stating that because I didn't have a bank account attached. In other words they are using circular tactics to maintain control of my money for the next 6 months when they tell me it would be released .... I don't really even trust that at this point. All without paying me any interest for the money. This also effects that way that the clients may view me, potentially costing me business. I simply want to return the money to my clients so they can provide me a check for their deposit but they are refusing. Paypal prevents screen shots so I am unable to provide a copy of the months long conversation. I also just noticed that they have erased the fee reimbursement in the activity log but still shows in my total " available '' funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently looked at my credit reports and noticed that Santander Consumer USA reported negative marks Paid account/was 30 days past due on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America terminated my XXXX  forbearance. They never informing me they can extending my civil forbearance after XX/XX/XXXX. Instead they referred me to debit management called XXXX. As result I got into financial difficulties damage my credit score and my marriage. 
Why bank of America give me 4 credit card without My application. If they updated my lngotmatiom I lost my XXXX  since 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 2022-04-30
Company: GOLDMAN SACHS BANK USA
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have previously had issues with mail being stolen from my mailbox at home and have been using a post office box address to receive mail. I was unable to update my mailing/billing address to my po box address on the companys website. After contacting a representative of the company I was told that their system does not accept a post office box address so they are unable to assist me and are unable to provide a valid reason for not allowing the update to my mailing/billing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S.C 1681 section 602 A. States I have the right privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions The Account NO. XXXX ( Bankruptcy ) I have attempted twice to remove this item with all XXXX credit bureaus. 
The account is inaccurate as well as violating my rights as a consumer.

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 2021-02-22
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, XXXX reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.

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 2022-04-30
Company: EQUIFAX, 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:
15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions The Account NO. XXXX ( Bankruptcy ) I have attempted twice to remove this item with all XXXX credit bureaus. 
The account is inaccurate as well as violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To consumer Financial Protection Bureau XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX And PRA Group Inc,XXXX XXXXXXXX XXXX, XXXX XXXX VA XXXX Dont want to understand, that account, account number XXXX not mines, I denied account Portfolio Recovery Associates , LLC, on an error They have continues sending letters and letters to my home without stop PRA Group IncXXXX XXXX XXXX, XXXX, VA XXXX has XXXX and to respond to my letter dated, see attached letter dated XXXX XXXX In return, retaliating and stalking, they mailed me the attached letter date XXXX As advise by Federal Trade Commission ID Theft Account XXXX not be any longer on my credit file and also to have account deleted from my credit file as advise by Federal Trade Commission Within 4 days as per at the receipt of this complaint Please find attached ID Theft report, dated XX/XX/XXXX And also to remove case from XXXX XXXX XXXX, case court number XXXX voluntarily within 15 days, after the filling on this complaint to Consumer Financial Credit Bureau Im requesting Immediately action , this matter is affecting me the ability to obtain credit and harming my credit file Portfolio Recovery Associates , LLC is obligated to provide me with a signed contract with my signature, they have never provide me with the document, Portfolio Recovery Associates continues and continues ignoring my letters and stalking me without stop Im attaching documents, ID Theft Report, FCRA 605B ( 15 U.S.C. 1681c-2 ), document, My letter dated XXXX XXXX, and Portfolio Recovery Associates LLC , letter dated XX/XX/XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 fair credit reporting act convergent account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Balance {$2900.00} Highest Balance {$2900.00} Opened XXXX. XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info

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 2017-06-30
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are  XXXX  medical accounts just recently listed which are unknown to me. These are not mine nor do I owe. I 'm requesting removal of these ASAP ABLTY RECVRY  XXXX  FOR {$1600.00}  XXXX  {$63.00}  XXXX  {$58.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Chime Financial Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a XXXX debit card in my name from Chime that I did not apply for. When I looked for a number to report ID theft, there was none to be found but the general customer support. They said maybe I forgot that I opened it! They were to " investigate '' and get back to me. Nothing happened. I send an email to their support general inbox ( again, no ID theft address ) and received a response addressed to my husband! Does this mean there is an account in his name, too? They wanted me to confirm that I don't remember opening the account and send copies of our social security cards! No way! They will not close the accounts or give me information. 

This company has swiss cheese security and is a scam. Please shut them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: IN
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:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. I've sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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 recently applied to a new apartment, and as part of their background. They pulled an address that does not belong to me. 

I recently pulled all 3 of my credit reports, and it is stating an address I never lived at.

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 2021-06-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Numerous inquiries are appearing on my credit report as a result of identity theft. These items we're disputed with equifax on XX/XX/2021 as a result of fraud. A total of 7 fraudulent inquiries appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: WELLS FARGO & COMPANY
State: CT
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

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 2017-09-09
Company: EQUIFAX, INC.
State: CT
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 am probably one of the millions whose personal confidential information is part of the breach into equifax. i believe equifax should be held liable and responsible for each and everyone of the upcoming damages coming due to this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2022 I requested a copy of my consumer credit report for Experian. I also requested for a copy of my consumer credit file. The sent the credit report. They did not send my consumer credit file. So I am sending this complaint so I can get a copy of my consumer credit file.

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