BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXXL XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00} or XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.

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 non-monetary relief
Consumer complaint received 2022-11-18
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Financial Management solutions reported a debt that I owed from XXXX XXXX to credit bureau. I had no idea I was owing that amount as I moved and to my knowledge I paid all rent due. They never contacted me, my husband or the 3rd person on the lease to inform us about the debt which contacted in XXXX Financial Management Services was contacted sometimes in XXXX for an amount of {$800.00} and till XX/XX/XXXX I have not received any notification by mail, phone or email about the debt. 

After I saw the credit report, I immediately contacted them and paid off the balance. The next day I got another alert from credit monitoring that they did a hard pull on my credit without my consent or my knowledge. 

Details Summary ALERT TYPE : Inquiry ALERT SUB TYPE : new inquiry SOURCE : XXXX ALERT DATE : XX/XX/XXXX INQUIRY DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX PHONE : ( XXXX ) XXXX BUSINESS TYPE : XXXX STREET ADDRESS : XXXX XXXX XXXX CITY : XXXX STATE : MD ZIP : 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 2016-06-04
Company: Paypal Holdings, Inc
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
PayPal continuously contacted XXXX XXXX about a debt before XXXX as well as informed her of an amount and what actions they are going to take against me. I am understanding that they continue to communicate with her even after she stated she wishes to no longer be contacted. I have never used her information with PayPal. She is simply a family friend who I sent money to, without issues or incidents, using PayPal services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX, at XXXX PST somebody wire the Amount of {$16000.00} to a XXXX XXXX XXXX Account endi ng on XXXX ( I do not have the full Account Number only XXXX Last Digits ) from my Paypal Account without my Authoriz ation. This is Grand Theft I have contacted Paypal on several occasions, starting on XXXX XXXX, XXXX, then XXXX, then XXXX XXXX and the y said there is no issue and they do not want to help me. They always said somebody is going to help me but nobo dy contact me. 
I went to XXXX XXXX XXXX, to verify and they are willing to help me if I give them the complete Account Number wh ere the money was wire to so they can trace who it belongs to, the manager of XXXX XXXX XXXX contacted PayPal, a nd they did not want to help. They said I need a subpoena. 
I filed a Police Report. 
I do not know what to do since Paypal does not want to help me find out who stole my Money. I need to get the co mplete XXXX XXXX XXXX number so XXXX XXXX XXXX can trace the wire. 
I requested Paypal to give me the IP of the Transaction but they do not want to help me, I am sure that if we find o ut the IP we can trace who got into my Paypal Account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23
Company: Paypal Holdings, Inc
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A few months ago I purchased some In-Game items on a server that I played on for in game items. and just recently the game has been taken down and all of my items have been lost. and I am overall requesting for a refund to my paypal account by the owner of this game.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
At time of contract I provided my credit card information to XXXX - Today. The work was not XXXX like, had severe deficits, such as extemen lippage and poor grouting. With out my knowledge the merchant submitted my bill for payment to Elan Financial Services. I contacted Elan, DBA : Fidelity Credit Card Services, and explained that the wor of tile installation was unsatisfactory and the signature and data contained on a Walkthrough Inspection was not mine. 
I was asked to provide competent evidence that the work was sub-standard and an extimate to correct the deficiencies. 
Indivudual tile inspectors are oin short scupply and the demand for inspections by subject matter experts is high. Factoring in the nation general labor shortage, it took over two + months to secure an assessment if defects by a board certified tile inspector and a competent contractor 's estimate to correct the defective installation. 
But although I was fully in compliance with the Fair Credit Billing Act ( FCBA ), my claim to deny payment to the merchant was denied. It was alleged that Elan Protocols on timeliness trump FCBA. As by Elan 's timeliness standards I was late and nothing could be done to approve my dispute

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 2022-11-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX my daughter placed an order with XXXX who put a preauthorized hold on my card ( she is an authorized account user on my account ) as this was a preordered item that was due to be released on XX/XX/XXXX & my daughter purchased a small plush in the store as well. My total came out to {$400.00} on the same day she cancelled the pre order but kept the plush she then went back to XXXX on XX/XX/XXXX & purchased another small plush once I received my XXXX statement I paid off the 2 plushes purchased on XX/XX/XXXX the amount was {$30.00} but Comenity Capital Bank continued to bill me for both the preordered item that had been cancelled & the plush that I had already paid off, I called & sent documentation to Comenity multiple times to show I cancelled the order & paid my bill for the items that were kept. They absolutely refused to help me they disputed the charge for me but then removed the provisional credit they provided stating they couldn't help me even though the documents I sent them proved the order was cancelled. Comenity has been billing me for over a year about this bill & they continue to add late fees & finance charges. As of XX/XX/XXXX they have charged off my account to a debt collection agency & they are attempting to collect {$760.00}, to sum it up Comenity is billing me for the {$400.00} purchase plus fees, late charges & finance charges so the total amount they are trying to collect from me is {$760.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a call on XX/XX/28 from someone claiming they are from Wells Fargo. The call came with Wells Fargo number. He told me there has been fraud on my account ( debit card and a wire of {$24000.00} ) and asked if I approved these transactions.. Then he asked for me to read him a few codes that he will send. A few codes came from the bank ID. I read them back to him. 

When I called the bank on the same day, they said they will try to stop the wire. Then they said they were unable. I talked to the fraud department multiple time and they denied their responsibility. I was transferred to the executive branch. I received a call from XXXX XXXX there who said she will look into it. Today, she called me ( and asked me to read back a code coming from the same ID ) and said that unfortunately she can't help. 


I know of a few people that fell for this scam ( They got their money back ). I also went to the police station to file a report as XXXX XXXX recommended and the officer told me he has seen a few similar case. 


I believe it's the bank 's responsibility and their security measure are inadequate.

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 2021-11-25
Company: AFNI INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
I have submitted a dispute complaint with XXXX, XXXX XXXX, XXXX in regards to a account that is not minds and the account is reporting 3 different balances due. the company did properly investigate the matter. the only remarks on my credit report was the balance updated to the same amount and also dispute resolved. the did not follow the proper investigation per the FCRA,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: MO
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 value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I noticed that som information passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please remove the remaining fraudulent information from my Credit file as soon as possible 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 Also, if you claim that the disputed items belong under my name, please send me copies of proof of verification or proof of ownership as a supporting document. In the absence of such documents, immediate removal of the disputed items will be appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: V and H Portfolio
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Vance Huffman is a debt collection company who bought debt that was opened in 2009 this account has been on my report for 10 plus years they keep renewing the debt and will not remove it how is this legal how is it okay to bully a single mother?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I got a letter dated XX/XX/XXXX from SLS saying that they sold my HELOC to XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX.Original loan amount was {$180000.00}, Date of loan was XX/XX/XXXX. SLS do not own my HELOC any more. Still SLS trying to collect money total {$340000.00} by XX/XX/XXXX. After that it will be {$420000.00}. SLS sent email to XXXX XXXX XX/XX/XXXX and collection letter to my address XX/XX/XXXX again. We filed the Chapter XXXX on XX/XX/XXXX and discharged XXXX. We no longer have a legal obligation to pay it and creditor has no right to collect it. This is FDPCA violation to send email to XXXX XXXX and my home address. A cease and desist letter. Stop collecting from us. Collection of discharged debts prohibited. Creditor is not permitted to collect a debtor. 
Colorado debt have a statute of limitation of 6 years. Once the statute of limitations passes the debt becomes time-barred. HELOC maturity is 10 years. XXXX  XXXX XXXX opened HELOC on XX/XX/XXXX and sold it to XXXX XXXX XXXX XX/XX/XXXX. When we filed Chapter XXXX XX/XX/XXXX HELOC was under XXXX  XXXX XXXX  XXXX  XXXX XXXX  {$180000.00}. Since Chapter XXXX it was discharged XXXX. By XXXX, we had a loan modification from XXXX  XXXX XXXX, there was only one loan no other lien. XXXX  XXXX XXXX sold it to XXXX XXXX XXXX on XX/XX/XXXX there was only one loan no other lien. When we tried to refinance with lower interest rate, SLS popped up. I believe SLS is SCAM.

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 2021-08-31
Company: Experian Information Solutions Inc.
State: FL
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 disputed two dismissed bankruptcies on my Experian report. Experian told me that I needed to dispute the bankruptcies with XXXX. I disputed with XXXX and they were removed. Experian still did not remove them. XXXX disputed them with Experian on my behalf and Experian STILL would not remove them.

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 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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: Investigation took more than 30 days

Complaint:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Komyatte & Casbon, P.C.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Currently there is a two open collection medical accounts reporting on my credit report with XXXX XXXX. I have requested the accounts be deleted from my credit report. For this is against my rights and privacy with the HIPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This {$970.00} collection is showing up on my report.I do not know this Dr. office or Doctor. have never been there. I have left messages at the office but no one will return my call for 2 weeks now. I am a vet trying to purchase a home and I really need this off my report. Also I have never been to see a 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 2021-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX/XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX/XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: U.S. BANCORP
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my lease on XX/XX/2021. I still am not in possession of the title that proves I now own the car ( as of XX/XX/2021 ). US Bank claims to have sent the title on XX/XX/2021, but I never received it. After 50+ phone calls to US Bank and a complaint to the Consumer Financial Protection Bureau , US Bank finally requested a duplicate title from the NC DMV on XX/XX/2021. The duplicate title request was mailed from the NC DMV to US Bank on XX/XX/2021. I called US Bank on XX/XX/2021 and the representative confirmed they received the duplicate title on XX/XX/2021 but said nothing else has been done and they seemed unaware that I am still awaiting on documents. The letter in response to the Consumer Financial Protection Bureau did not give me the name or number of any specific person to work with to close this issue. Every time I call, I start from square one with someone who has no idea how to help me get this resolved and no one seems to know how to escalate it to anyone who knows how to complete the process.

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 2017-03-13
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I entered into an agreement with a virtual account seller and after agreeing upon initial payment and after receiving said payment the seller than says that the price had changed and to get this account I must pay an additional amount of which I did and the seller than states that I sent it to the wrong account after I had followed his directions. He never made mention of this other account until after receiving the second payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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/XXXX to 3 credit bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX Balance {$9900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry : 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