BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-06-12
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  Account # XXXX, has violated my rights in the following ways.

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 an account without my written instructions.

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
not mine : FCRA violations : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TN 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 explanation
Consumer complaint received 2022-01-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my account online with Chase on XX/XX/XXXX of this year. Chase sent me two emails one indicating I was still eligible for my direct deposit bonus which I had direct deposit setup but had to cancel prior to the first deposit since they had sent me a letter stating they can't verify who I am. This letter was received two days ago on XX/XX/XXXX of this year. I had {$100.00} transferred from another account into my Chase account, when I attempted to withdraw the funds is the card was active and there was no problem obtaining balance information, when I called customer service they indicated that there's fraud on my account and I have to drive to XXXX XXXX XXXXXXXX to a local branch to give them my ID. My issue is two things first I was never asked nor ever sent an email phone call text anything asking me for proof of my address or proof of who I am I have at least three or four pieces of information that could identify my address as well as my person this was never requested. Now the problem is Chase accepted my deposit and they're refusing to disperse my funds I indicated to the representative it's a legal to hold somebody's funds if they don't have an account with you it's not interest bearing and you guys are collecting interest on it that is against the law. She put me on hold to see what she can do and after 20 minutes my lunch was over I didn't have enough time to sit and wait for them for an hour. So it's a twofold my direct deposit was to be set up and I was to receive a {$220.00} bonus upon the first direct deposit. The {$100.00} deposit was received and credited yet they're holding that for ransom, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, Experian XXXXXXXX XXXX XXXXXX/XX/XXXX, Inquires US SM BUS ADMIN ODA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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

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 2022-06-12
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I filed a CFPB complaint. YOU closed it when PayPal lied by omission. PayPal continues to harass me. PayPal has blocked my online access and I can not pay my PayPal branded XXXX Bank credit card. 

Nothing in my profile has changed. My phone numbers have not changed. To access my account, PayPal is forcing me to enter a new phone number and PayPal will not accept my working landline number. I have XXXX phone. I do not use cell phones. I can not login to PayPal to access a hyperlink to XXXX XXXX 

PayPal is actively interfering with my ability to conduct business with a third party. 

PayPal continues to refuse to answer the original question. Through a process that PayPal designed and controls, PayPal gave me {$1500.00} without any terms, the only requirement being repayment. I continue to demand to know the payment terms. I will accept published tariffs only. 

There is a giant hole in the internet and you can pull thousands of dollars out of it and it does not seem to be a crime. PayPal made it. 

I demand immediate access to my PayPal branded XXXX XXXX credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AP
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE

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 2017-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TransUnion is reporting a bankruptcy as a public record on my credit report. I have a letter from the US Bankruptcy Court, XXXX XXXX XXXX, dated XX/XX/XXXX.
It states that the court does not report the records of this court to any credit reporting agency. As this record would contain personal information such as my social security number, it is not reported.
On XX/XX/XXXX I sent a certified letter to TransUnion disputing the public record of bankruptcy that they are reporting. I provided a copy of the above letter from the US Bankruptcy Court and advised them that they could not have verified the public record as the court does not provide social security numbers.
On XX/XX/XXXX I received a response from TransUnion stating they have completed their investigation and that the public record had been " verified as accurate ''.

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 2017-07-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid 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:
I signed up for a new American Express Gold Skymiles credit card on XX/XX/XXXX. There was a promotion going on at that time ( XX/XX/XXXX/XX/XX/XXXX ) that stated if I spent over {$1000.00} in a 3 month period, I would receive XXXX points. I completed these requirements. However, I noticed I was n't getting the bonus points showing up in my statements after completing American Express requirements. I contacted Customer Service a couple of times but was n't able to get this credited. I also sent a letter to their Customer Care and Billing Inquires on XX/XX/XXXX outlining my concerns. I recd. a response dated XX/XX/XXXX denying my request to credit my account with XXXX points Dispute Reference # XXXX. ( Note -- I did have this same card several years ago -- Opened on XX/XX/XXXX and ended up closing on XX/XX/XXXX ). The reason basically given for not awarding me the XXXX points was I had this card previously and was not eligible for the bonus points. American Express indicated that per the Terms and Conditions of the Gold Delta SkyMiles application process, I am not eligible to receive this offer again. I have gone back through this application process at the time I applied ( XX/XX/XXXX ) and there was no Upfront notice that I would not be eligible. I have seen later promotional  advertisements on internet from A.E. on this program that does mention not being eligible for this offer if you 've had it before. However, that did not occur in my case. Had the promotional offer I signed up for on XX/XX/XXXX clearly stated I would not be eligible, I would not have signed up for this card. I feel like I lived up to my part of the Contract and American Express has not. I am aware of some other individuals who signed up for this very same card about the same time as I did and some received XXXX points and they also had previously signed up for this same card and promotion a year or two previously. Something is n't right here. If American Express was more Upfront in their Disclosures, I could accept that, but that was not the case. I feel like this Promotional offer was something like a Bait and Switch Operation. I understand most people would not spend the time to complain about a rather minor issue but I do n't like any organization taking Advantage of me and therefore I request you consider this complaint and act accordingly. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Johnson Mark LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has shared my personal illegally with the scam company Johnson Mark without notifying me of selling my information. Johnson Mark has also obtained my current address illegally. I have not disclosed my personal address to anyone so, again with the privacy violations. This debt isn't even mine. I have researched Johnson Mark in my state and they don't even have a collection license. XXXX XXXX has also shared my personal information with attornys in the area. I have received several law agencies contact me in regards to debts that are only specific to XXXX XXXX. What kind of XXXX  are they running? Create a XXXX make up an account and start collecting without any kind of contract or agreement. Where is all of this proof the account is mine if it's mine? You will have contract signatures, signatures on receipts, if you send a letter of notification that you are selling someone's information a delivery receipt from the USPS would prove that. They haven't been able to prove anything except they want to steal money. Now, I have to deal with a scam company like Johnson Mark which has a website with no information that could've been made by a XXXX XXXX XXXX. No reference to a collection or law license. Just a portal to take your money. The phone numbers on their website don't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of XXXX I reached out to XXXX for warranty support on my hot tub. After troubleshooting, they determined it would need to be repaired, but they could not send a person to fix it because of the pandemic. They said they would send a replacement, an proceeded with the order and transferring my extended warranty. After the original delivery date passed, I checked online and noticed it was postponed. This happened every three months and I called in XXXX to find out what their plan was if it wasnt going to be replaced. They said I would be notified it there was any change to the next shipment date. When it passed, I logged in to contact them again to see what their plan was and noticed the shipment was cancelled. This was XX/XX/XXXX. I immediately called them and they stated that a refund was issued to Comenity bank on the card I used, and that another refund was in process. {$3400.00} on XX/XX/XXXX, the stated, was refunded to my card. {$140.00} was processing to be refunded. They transferred me to Comenity bank to find out the status. They said they did not receive a refund, but it would be processed by XX/XX/XXXX because it takes 30 days. The representative assured me this would happen. On XX/XX/XXXX, XXXX reached out and said they were working on resolving this. I repeatedly asked for a transaction number or something that proved a refund was given, and they would not provide it. I kept getting told that was the finance department, but was not able to talk to them or email them. It is now XX/XX/XXXX and the refund is still not showing, I have not received the overage, because my account is {$2000.00}. This would mean I should receive {$1500.00} after the card is paid off. They refuse to assist or contact each other to find this refund and provide my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: NJ
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED! THIS INFORMATION IS ENTIRELY INACCURATE AND INCOMPLETE AND AS SUCH REPRESENTS A VERY SERIOUS ERROR IN YOUR REPORTING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: NJ
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED! THIS INFORMATION IS ENTIRELY INACCURATE AND INCOMPLETE AND AS SUCH REPRESENTS A VERY SERIOUS ERROR IN YOUR REPORTING!!

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 2022-04-28
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
American Coradius International LLC contacted me on XX/XX/2022 to inform me they were attempting to collect some debt they alleged I owed. I informed them that I only wanted to be contacted via mail and did not want to receive calls from them any longer. I told them to expect a written response from me in the near future regarding the matter. 

Despite verbally telling them I did not want to receive calls I was again contacted XX/XX/2022. I spoke to the rep and told him that on the previous call that I did not want to be contacted via phone. The rep said that there were no notes on my account stating this. I asked the rep if calls were indeed recorded and he confirmed then hung up the phone. 

On XX/XX/2022 I received a THIRD call as I was rushing to catch a flight at the airport. Since the call came from a local area code I thought it was my assistant providing me important details I needed for my flight instead it was American Caradius International LLC calling yet again to try to collect this alleged debt from me. I spoke to the rep and asked her why I was being contacted after telling them TWICE already that I did not want to receive phone calls. She tells me that there were no notes on the account about this even though they claim they record phone calls. This is unacceptable and a clear violation of my rights. It is my understanding that debt collectors are prohibited from communicating with a person in connection with the collection of any debt through a medium of communication if the person has requested the debt collector not use that medium to communicate with the person. 

Prior to receiving the THIRD CALL I verbally stated TWICE that I did not want to be contacted by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Global Lending Services LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Global Lending Services placed a fraudulent inquiry on my account on XX/XX/2020. I contacted via mail with a written letter to ask them to remove the fraudulent inquiry. Their first response on XX/XX/2020 stated they pulled my report based of a credit application submitted by XXXX XXXX XXXX, in which I did not give consent for them to run my consumer report. On XXXX XXXX they sent another letter stating they would remove the fraudulent inquiry. They are in violation of several FDCPA Laws which govern them and protect me the consumer against their piracy and predatory actions. They had no right or consent to use my consumer report. I also sent these documents and affidavit to their Registered Agent. The affidavit I sent was actually notarized, I can not make a copy of a notary signature so this copy in this complaint will not have the notary page filled out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery has shared my personal illegally with the scam company XXXX XXXX without notifying me of selling my information. XXXX XXXX has also obtained my current address illegally. I have not disclosed my personal address to anyone so, again with the privacy violations. This debt isn't even mine. I have researched XXXX XXXX in my state and they don't even have a collection license. Portfolio Recovery has also shared my personal information with attornys in the area. I have received several law agencies contact me in regards to debts that are only specific to Portfolio Recovery. What kind of racquet are they running? Create a strawman, make up an account and start collecting without any kind of contract or agreement. Where is all of this proof the account is mine if it's mine? You will have contract signatures, signatures on receipts, if you send a letter of notification that you are selling someone's information a delivery receipt from the USPS would prove that. They haven't been able to prove anything except they want to steal money. Now, I have to deal with a scam company like XXXX XXXX which has a website with no information that could've been made by a XXXX year old. No reference to a collection or law license. Just a portal to take your money. The phone numbers on their website don't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: SECURITY FINANCE CORP
State: AL
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:
This company keeps pulling my credit without my permission every month They pulled on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I only authorized them to pull my credit TWO TIMES. When I first applied for the loan and when I it renewal. 

This is ILLEGAL AND DUE TO THE ILLEGAL TACTICS I WOULD LIKE MY ACCOUNT CLOSED AND MY INFORMATION DELETED FROM YOUR SYSTEM. 

I HAVE SCREENSHOTS FROM ALL CREDIT BUREAUS THEY PULLED FROM! You are PURPOSELY and ILLEGALLY pulling my credit every month with out my 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 explanation