BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: MD
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:
Hi, i'm a victim of identity fraud somebody used my information to obtain vehicle loans and open credit card accounts in my name. for example XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-04
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:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX Please investigate and provide Proof with statements showing that this payment was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The dates from XX/XX/2019 thru XXXX of XXXXare dates when my social security number and personal data was compromised and stolen and used for fraudulent purchases and accounts Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: NY
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 am a natural person, I am a living human being I have rights under USC 1681.Equifax is governed by USC 1681 and they violated my rights numerous times, I demand that the accounts listed below be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) According to 15 USC 1681 I have the right to privacy and did not give Equifax permission to furnish these accounts, thereby inhibiting my afforded fair credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I called Experian on XX/XX/21 promptly at XXXX XXXX central time to discuss the discrepancies about the membership fee. She still could not give me a direct answer on why I am being charged {$32.00} from XXXX a month. Also, to discuss the disputes which I was given another number to take care of the issue and still did not get anywhere.

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 2021-06-09
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir / Mandam, A few weeks ago I had to transfer some money to XXXX, and then I selected Wise ( https : //wise.com ) for this service. I thought I had provided the wrong banking information, so eventually the fund was rejected. Wise was saying to refund the money to me but I still not yet received my fund at this moment. They claimed to need several weeks to trace the refund status. 

XXXX : System replied me the refund sent to my account and need me wait 5 days to check my account. 
XXXX and XXXX : I have sending send emails to wise to ask I did not receive the refund amount. 
XXXX : I sent email again for chasing the refund status. 
XXXX : got email reply from Wise saying that the money has been refund and attached the recipt to me. 
XXXX : I sent email to them to confirm my refund did not received and the fund transfered to wrong bank, ask Wise how to solve it XXXX : Wise replied me our refund trace is started and need about 6 working days for the result. 
XXXX : Wise replied me they need over several weeks to trace my refund status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-04-05
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-03
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job due to health issues and my sister who is a contributor was on disability. My father who is a contributor also left his job due to health reasons and the mortgage never offered to help me when I asked. Its always a process. I filled out for a hardship package and sent everything in they needed but still said I needed more so I was denied. This isnt ok. I was taken advantage of as a first time home buyer. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: XOOM CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
In early XXXX I created a new account with the money transfer company Xoom, in order to execute an international money transfer to a friend in XXXX. This was for soccer players to participate in a soccer camp in XXXX. 
With the Xoom transfer limit of {$1000.00}, I had to make two separate transfers, because my total transfer target was about {$2000.00}. I entered the information for my transfer into the online form and the first transfer with an amount of a bit under {$1000.00} was approved and completed a few days later ( Transaction # : XXXX ). 
A few days later I wanted to do the second transfer and followed the same steps as in the first transfer. But shortly after submitting my transfer request via the online template, I got a notification that my transfer was not approved and not executed. The note asked me to call a phone number and Xoom agent to provide more details about the transfer and answer question. I did that and explained in the call what the transfer was about. But the situation was not resolved in that phone conversation. I was told that I have to wait until a decision on my money transfer would be made and that I would receive the result via email. A few days later I received an email saying that my transfer was continued to be rejected. No specific reason was provided and I was only given the opportunity to ask for an additional review. 
I asked for that additional review, but on XX/XX/2019 I received an email from Account Compliance of Xoom, saying " Based on a thorough review of your transactions and/or your recipients transactions, we have decided to close your account. This decision is final and can not be appealed. " ... " We are unable to provide any more information regarding this Issue and any future correspondence will not be answered. '' I was given no explanation of why my second transfer was denied and why my account was closed. The account remains closed until now and nobody can give me a reason why. 
I even contacted the XXXX, the company who apparently owns the money transfer service Xoom. But they only said that they can not help me and that this would be something I have to address with Xoom itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The inaccurate account was brought to my attention recently. I have no knowledge where it come from I have never agree, sign or authorized the transaction. I have attached my license for verification. The information reported is incorrect, must be an error and accidently placed on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Company response was not a direct response. I save all emails and statements since I started with credit card. I have researched their response and find no document that states what company claims. I want the protected balance interest charged for more than a year refunded before I close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX used my information, meaning IDENTITY THEFT AND FRAUD. I didn't give them permission at all to use my personal information. I have sent them countless emails for them to remove these inquiries and bogus accounts. I even sent them 15 USC 1681c-2 and 15 USC 1681B ( a ) they continue to disperse my information to other agencies, and it is extremely frustrating to gain good credit, house, car or credit, because they are accessing incorrect information, and without my permission to use ANY OF MY PERSONAL INFORMATION. They have constantly ignored me, after asking and demanding that they remove these items! They also ignored the USC-laws as well.

Please see that these items are indeed removed.

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 2020-11-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint since XX/XX/2019 has failed to ensure a single point of contact to address my issues with payments, escrow, late fees, etc. 

Shellpoint since XX/XX/2019 has mishandled my mortgage loan since transfer from the other servicing mortgage XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
{$4000.00} debt sent 609 dispute letter XX/XX/20

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 2021-04-13
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We owe more than 20 % on equity and we formally request to pay our own escrow. And we normally don't need to pay for mortgage insurance but this mortgage company still collect mortgage insurance from us. Our annual state taxes has been payed directly to the state of Maryland and hazard insurance witch is part of the escrow has been payed as well directly to the insurance company. But the mortgage company still send the bill with all these to be paid to them. 
Secondly, we don't get any explanation when the mortgage company decide to raise our monthly bill. From 2016 our bill was {$980.00} and nowadays we are paying {$1000.00} with no explanation. 
Thirdly, our monthly statement does not include the amount of money that we previously paid. The statement don't give us a escrow breakdown. 
We need this breakdown for us to calculate how much money goes to our principal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions 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 2019-12-10
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : Southwest Collections Account # XXXX Collecting for XXXX The account was opened on XX/XX/XXXX I have been trying quite some time to get validation on this alleged debt. The firm has placed a collection in the amount of {$1400.00} on my credit report. When I called I was informed that the amount was for equipment and for service. While I may have an amount due for services I do not owe for equipment. When I contacted Southwest about this I was informed that the documents they possessed stated that the debt was for both and therefore that is what they are collecting for. It was suggested that I might contact XXXX and get documentation showing that I returned the equipment. This is the 2nd collection company they have put on my credit report. 

I called XXXX on XX/XX/XXXX and requested that they investigate this account. 
I spoke with XXXX and was informed that it would take about a five days for them to find the records. 
I called back in XXXX to find that they still had not completed the investigation. 
On XX/XX/XXXX they stated the bill did not include equipment but the last bill from them dated XX/XX/XXXX stated a credit for XXXX and a bal owed of XXXX which was for equipment which I returned to the XXXX  office. They also have a new billing system that started in XXXX so they can't locate the equipment. 
Now I'm being told that I own XXXX and that amt has nothing to do with equipment but I have a bill that states I don't owe that amount. According to this bill I own them nothing. I have sent the attache bill to them on XX/XX/XXXX and have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Denefits LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a complaint against [ XXXX XXXX ]. This company has been trying to collect a debt from me without providing proper validation and has used illegal communication tactics and illegal reporting. 

I am an educated consumer and am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite this, [ XXXX XXXX ] has continued to engage in the following illegal practices : Attempting to collect a debt without providing proper validation, including the amount owed, the original creditor, and proof that they are authorized to collect the debt. 

Using illegal communication tactics, such as harassing me with frequent phone calls outside of the hours allowed by the FDCPA, and making false or misleading statements. 

Illegally reporting the debt to credit reporting agencies, causing harm to my XXXX XXXX and report. 

I believe that Denefits LLC has violated my rights as a consumer and I request that the Consumer Financial Protection Bureau takes action to hold them accountable for their illegal practices. 

I appreciate your attention to this matter and look forward to a resolution that protects my rights as a consumer. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I was checking my credit report and I have found some inquiries that I did not authorize. I believe that someone is using my information and these inquiries are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
I have contacted this company over 2 years ago and opted out of them sharing my information and now I am still receiving denials based on their fraudulent unauthorized information. They are providing risk analysis to landlords without my authorization and they have yet to show what is in my report and why.

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