BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently I pulled an XXXX credit report, to check my score prior to purchasing a car. I was surprised to see my score terribly low. I reviewed the report to find a host of items that I did not recognize. I attempted to reach out to the creditors but was refused any information, because I didnt have the passwords or PINS to the accounts and without that information I would need to get a police report to move forward. I have not given anyone permission to use my information to obtain credit or open accounts with my personal information. Please find the following account information : XXXX XXXX OPENED XXXX, XXXX open balance : XXXX original creditor XXXX XXXX XXXX XXXX status : open responsibility- joint XXXX XXXX XXXX opened : XXXX open balance : XXXX original creditors : XXXX XXXX XXXX XXXX XXXX  status XXXX open responsibility : individual XXXX XXXX XXXX opened XXXX XX/XX/XXXX balance XXXX status : closed XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX open balance : XXXX original creditors : XXXX status : open responsibility : individual INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these accounts, filed a police report, I have been successful in removing some items but I continue to see several items showing listed above even after my repair attempts.

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 2023-01-17
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Paid {$44.00} through PayPal on XX/XX/23 and the person I sent it to turned out to be a scammer. On XX/XX/23 They asked for more money when I told them no they tried to scam me again. Told them to refund my money and they blocked me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08
Company: Equitable Acceptance Corp
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2016 I spoke with a representative of XXXX XXXX XXXX and was informed that this company would help in the Student Loan Forgiveness Program. 2 other family members and I were told that a discount would be applied for working with the government. Also, payments would come out of my account monthly. I was informed by a representative of XXXX that I had sign a contract and I was approved. The third party company is Equitable and they cant give any information out. Equitable also told me if i did not paid it. It will be on my credit report because they processed the paperwork and that what I am paying for. They told me to call XXXX for additional information. I was also told once the loan is paid off I wouldn't have to worry about a Student loan  because it will be paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Select Management Resources, LLC
State: KS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took out a title loan on my car and defaulted. I sent them a cease and decisit letter and they stopped contacting me and my references. The car was assigned for repossession and the man that was assigned called my father in law on his personal cell phone disclosing information that is protected under the fair debt collection practices act he asked if I was hiding the vehicle and where I kept it and what my schedule was and that he was hires to pick it uo

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: Lake City Credit
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Lake City Credit contacted me at first with a letter about a past debt that they were trying to recover. The original debt was from XXXX XXXX XXXX  in the amount of {$1800.00} ( of which {$8200.00} was added for interest ). I believe they stated on phone it was a debt from XXXX. The company before them, XXXX contacted me about this same debt years ago and they alluded to possible legal and financial repercussions and basically " tricked '' me into paying {$25.00} a month to keep me out of trouble. I checked my credit report and called to verify the account and I found no record, so I stopped paying. 

According to the latest letter from Lake City Credit, the last date of payment was XX/XX/XXXX and the letter was dated XX/XX/XXXX. The letter states that there will be a " Possible Credit Rating Change Pending '' and later in the letter it was alluded to possible legal action. In the state of Texas the statute of limitations is four years ( Section 16.004 of the Civil Practice and Remedies Code ). The period between the last payment and the date of the letter is 5 years, 7 months. 

On XX/XX/XXXX and XX/XX/XXXX, I received a phone call and voice mail from XXXX XXXX about my Social Security number. I returned the call only to receive a very unwelcome message from XXXX XXXX that I have been " going in and out of the rabbit hole '' to keep from paying off the debt. The debt is not mine, to start with. He alluded to the fact that the debt WILL be collected and that I will face dire consequences such as garnishment and freezing of accounts because I would be accused of fraud by the courts. He even mentioned that I was trying to register a car ( which I am currently registering a car that I recently bought ) and that has me on surveillance paying on this debt. That is a scary thought that these people may or may not be watching me. He hung up the phone immediately without letting me get in a word otherwise. 

This company is breaking the law, in my opinion. They are alluding to possible lawsuits and the statute of limitations has expired.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSWORLD SYSTEMS INC
State: TX
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 lived at XXXX XXXX  and was forced to open utility services prior to my move in. When I moved out in XXXX of XXXX, the apartments allowed new tenant to move in without utilities being set up or verified, and the new tenant charged their electricity services to my account until XX/XX/XXXX when I realized I was being charged {$500.00} per month for their usage. The apartments never had the new tenant pay for the amount due from them, or verify with XXXX  that I moved out. I did Disconnect services when I moved out because I had to change my move out date once. There is now a {$420.00} collection reported to my credit report, even after I verified I didnt live there. Ive never been reimbursed for the charges made in the first place, and now XXXX  is even attempting to collect a debt I was never responsible for and this was verified via phone call with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2022-12-15
Company: EQUIFAX, INC.
State: NE
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:
Equifax I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below are reporting 100 % accurate. However, these accounts are still inaccurate, and Equifax is still continuing to report errors on my credit file which is causing damage to my credit score. XXXX Bank account # XXXX inaccurate payment history, past due amount on Charge Off {$1200.00} XXXX account # XXXX inaccurate payment history, amount past due on charge off account {$3900.00} I have previously requested that you investigate this information and you have failed to correct these errors, you are reporting on my credit report NOW is not the time to update I demand that you immediately DELETE this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 2023-10-27
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Hi, Im talking about the Venmo app. First off about two or three years ago they suspended my old account ( email XXXX ) with $ XXXX dollars in it with no explanation at all and said to check my email to Un-Suspend my account but I never received that email to this day! So my other account that I was forced to make I had to sign out of to check my old one, once I tried to log back in to my current account it wouldnt let me ( same glitched happened on my suspended account when I tried ) and I looked it up and it seems to be issue thats been happening for at least 2 MONTHS! And nobody seems to have solution not Venmo or people online. This is app is how I received my money recently since its one of the few debit cards I own I NEED my Account/money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible TBOM/MILSTNE 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 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 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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I HAVE STUDENT LOAN/EDU THAT IS LONG TIME PAID OFF AND CLOSED, SOME ACCOUNTS BALANCES ARE INCORRECT THAT THESE 3 CREDIT BUREAUS. TRANSUNION, XXXX, AND XXXX MAINTAIN IN MY RECORDS ON PURPOSE JUST TO KEEP MY SCORE LOW MAYBE BECAUSE I AM AN XXXX XXXX. THEY NEED TO UPDATE MY FILE. THEY ARE SOME ACCOUNTS THAT ARE SETTLED WITH LENDERS THAT ARE NOT EVEN REFLECTING ON MY 3 CREDIT REPORTS. KINDLYACTION NEED TO BE TAKE WITH THESE 3 CREDIT BUREAUS. THANKS.

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 2022-12-15
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: Was not notified of investigation status or results

Complaint:
I sent several letters regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: Global Lending Services LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Global Lending Services has repeatedly threatened to repossess the vehicle that I have a loan for. I've contacted them to notify them that I had a cross-country move and that I incurred unexpected difficulties relating to that move, an emergency health situation with my wife, and being laid off shortly after arriving in Washington. 

During a several month period, they have begun to call me pervasively, also calling my grandmother who is not connected to the loan. I made contact with them today, XXXX, to indicate that I would be paying an amount typical of my last several payments, each in excess of {$500.00}, and more than {$80.00} over the monthly cost of the 5-year loan. This would have the effect of catching me up in a timely manner. 

I was informed that despite paying recently, and showing a pattern of above minimum payments, my car would be repossessed Monday morning unless I paid a substantial amount of money today. 

I had received a voicemail indicating " XXXX, your time is about out ... '' I'm receiving an oppressive number of calls, which my phone has automatically classified as spam due to the frequency at which they occur. During the conversation with the agent today, I requested that they lower the calls and expressed my displeasure at the frequency. 

The agent responded by telling me that " she could call me 3-times a day if I didn't catch up soon. '' I have no doubt that this classifies a threat to harass me further if I don't catch up immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Westlake Services, LLC
State: IL
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:
XX/XX/XXXX XXXX called and told them I did not authorize or give them consent too report this on my credit report 15 u.s.c. 1681b

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 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the dair credit Reporting XXXX account has # XXXX has violated my rights. 

15 USC 1681 Section 602 States thst 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 care under an open end comsumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened an account under the name of XXXX and billed to XXXX XXXX. After calling for 3 months and being told the account was not open I said I had already received the chairs I ordered. Two months later I receive I bill and tried to make a payment online. Unable to do so I called and was told no account was opened. After speaking with a supervisor I tried to make payment and was told to wait. I received a second bill for over {$800.00} dollars with late fees, and interest added. I called and was told I can close the account now since the account shows processed and account was closed after paying {$750.00} dollars. I am now once again receiving bills stating " close accounts still earn interest '' and I now owe late fees and interest. I have had this problem with this bank before same problem and believe this bank should now be declare a class action law suite because of their continued billing the consumer with late fees and charges on closed accounts. Because of the continued abuse of power from this bank I would like to see my credit status corrected and all fees and interest charged off. This bank is blatantly refusing to be handle accountable to anyone and look forward to working with your office to see what can be done to help the consumer not be taken advantage of by banks such as XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account EOS CCA that is listed on my credit report. This is NOT mine. I have disputed, requested validation now for many months and receive nothing not even a response. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Grain Technology, Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, I filed a CFPB complaint ( # XXXX ) regarding the reporting for XX/XX/XXXXXXXX XXXX 

I received a response stating that it would be updated to " current '' on my credit report when it reports in XXXX. Grain has reported for XX/XX/XXXX and it did not update the late payment for XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation