BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-28
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX sold my information. I didnt even get a notice that my information was compromised. I had to find out on my own. Then they charged me for credit report and i subscribed to what i thought was credit monitoring. That account has been compromised. XXXX opened account using my info that is connected to two XXXX  numbers and each number has two additional accounts associated with each number. Then they didn't protect my personal info at all then selling it on the dark web. Then tp top it off XXXX XXXX  XXXX sim swapped me and took over my sell phone getting phishing message all from XXXX customer care. My email is hacked XXXX messenger its outta control. Who ever stole my identity is monitoring my credit and making dispute so i won't find out. Its my credit and i wan na be able to access and use it. They also are trying t get settlement money also. Help me

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 2023-04-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I returned items to the merchant and used my expired debit card to process a refund of {$5000.00} on XX/XX/XXXX. The transaction was successfully processed to my card at the time with receipt ( attached ). I still have not received the funds to my bank to this date XX/XX/XXXX. 

I've disputed with both of my Bank and Merchant  through XXXX. Both sides are claiming that the other side has the funds. 

However, Merchant have provided reasoning with full transaction record. They have a record that the Bank filed a chargeback and has the fund. I've presented these information to my Bank but they are claiming no new informations.

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 2020-03-27
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:
Today during my morning XXXX XXXX before starting the day, I saw a notice from XXXX XXXX that my score on Transunion changed but there was an offer to save significantly on home and auto insurances. I logged in and the small score drop was a in increase in my total debt to limit ratio at 17 % but was prepared for that with the covid19 emergency. There was an offer that had been hounding me and hounding me for weeks via XXXX XXXX and then direct invite with approval code from XXXX Credit Cards and was promised in writing that checking to verify my pre-approval matched their records there would be ZERO impact to my credit and should I choose to move forward Id be required to approve a hard pull and Identification verification- the match shiowed up in their system - the sight was verifying my info and stopped to ask me to send a live picture of my drivers license as a fraud preventative measure which i was impressed and sent immediately- once uploaded instead of asking if I want to continue the app stopped, said I was on government assistance or something crazy like that and they need 30 days to process the card I DIDNT APPLY FOR. I waited on hold for them for 2 hours only to be told they dont do disputes with limited staff and just direct dispute with transunion and they would agree to remove the inquiry- transunion would only do it if I locked my report and claimed id theft and fraud altering on my credit report- as you know when ID theft is not the issue it is a death sentence to have those worthless statements that immediately place you as high risk on XXXX XXXX and others- so my only hope is trying through you guys - any help would be appreciated - I just got most of the fraudulent accounts off my reports with the exception of transunion- after the data breach they were the only agency that required me to sign up for all their services at over {$100.00} per month to even consider continuing to investigate my disputes and so far its been working- so I really dont want this inquiry to drag me down more when I had my number set to exactly 4 hard pulls past 24 months

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 2021-10-19
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX has previously reported to XXXX through 2 other debt collectors, a {$590.00} debt that they claim I owe. As a customer of XXXX I called their customer service multiple times complaining about my cable and Internet frequently being out of service. Being a visiting nurse, having Internet access so that I can document and get paid was detrimental to my job in livelihood. After multiple attempts with my requesting assistance or remedy, I was treated rudely I XXXX even my bill was not adjusted. After continued unavailable access to the Internet and then ability to do my job, I was forced to go with a different provider. When I canceled XXXX tried to charge me {$590.00} fee, for canceling services yet they were not providing me with the service that I needed and or paid for. I successfully disputed their claim of this debt with XXXX debt XXXX twice before with XXXX, and successfully won my dispute and it was removed from my credit at that time. I.C. systems recently called and threatened to damage my credit and to continue to report to the credit bureaus every 90 days the {$590.00} debt. I.C Systems reported to XXXX and XXXX again last week and again refused to resolve the matter when I called them, with continued threats of harassment by reporting me to the credit bureaus. XXXX did not recognize the XXXX debt collector as being a previously disputed debt that was removed previously when I was reported on XX/XX/2021, and it is now being reported on my credit report with a 34 point drop in my score. I contacted XXXX again today regarding this issue and they said that they would be opening my dispute again and connecting this debt collector with the previously disputed XXXX debt. Debt collector such as IC systems should not be allowed to continue to harass people like myself, and Im requesting that they be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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:
Consumer Financial Protection Bureau To Whom It May Concern : I am writing to file a complaint against Experian. 

I recently disputed some inaccurate and damaging information on my credit report. First of which being XXXX XXXXXXXX XXXX account number # XXXX I contacted the original creditor which told me I don't have a account with them. This Account doesn't report to any of the other bureaus Experian is solely report this inaccurate information. 
Only Experian is reporting it this way no other of the XXXX major reporting bureaus. 
Experian is also reporting my two open XXXX XXXX XXXX  accounts, account numbers # XXXX & # XXXX as closed. These accounts are open and the creditor has sent proof of such to all XXXX major reporting agencies only Experian are reporting the accounts as closed. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Paypal Holdings, Inc
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 logged into my paypal account and suddenly my account was closed for 180 days without a reasonable issue and I can't receive or send money from the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2021-01-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I received an email from XXXX XXXX, a MasterCard that I did not apply for an application for. The time of this email was at XXXX XXXX. The bank that approves this XXXX XXXX Credit Card is XXXX, as I was affected by a XXXX XXXX XXXX when I applied for a credit card back in XXXX. Second, XXXX XXXX XXXX XXXX states, " derogatory public record collection filed '', that I had already filed with the FTC, but was not provided a reference number for that complaint. Moreover, states, " lack of recent bank/national revolving information which seems to be an invalid reason due to reasons that do not apply to myself from my credit report. I was also affected by the Equifax XXXX XXXX that I refiled on XX/XX/XXXX, a claim confirmation, submitted claim id # is XXXX, a confirmation code # XXXX XXXX XXXX XXXX XXXX has XXXX informed to a XXXX XXXX with a permanent case number of XXXX. As evidence to confirm this complaint, a XXXX XXXX card I previously had was illegally attached to a XXXX XXXX account ending in XXXX, and XXXX XXXX dispute case number is XXXX XXXX. I am applying the Equifax XXXX XXXX and the XXXX XXXX XXXX from XXXX - XXXX has UNRESOLVED and continues to affect my ability to having accuracy reporting from the " Fair Credit Reporting Act '' as deemed by law that I as a consumer. This same complaint is for a XXXX, XXXX and XXXX store credit card, as well as a Master Card. The same invalid reason of " Derogatory public record of collection filed '', and secondary invalid reason is " Lack of recent bank/national revolving information '' when I have information that differs from what the " Fair Credit Reporting Act '' complies with. I have a claim with the Equifax Public Record Settlement from XX/XX/XXXX, a letter confirming this from the Claims XXXX from the Equifax Class Action Settlement. I am seeking punitive damages due to the inaccuracy of XXXX ) invalid, not applicable denial reasons that do not apply to my credit history since these XXXX data breaches still have NOT BE RESOLVED of an unspecified amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various XXXX  and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations.

Best regards, I remain

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 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have recently received information from Experian of a allegedly Bankruptcy that they say was verified from the court, I contacted the court who response was they don't verify to credit bureaus. I disputed the information again for proof of verification from Experian who responded that this was verified from XXXX XXXX I reached out to XXXX XXXX who sent me documents of a removed bankruptcy for being unverified. I sent that information to Experian on XXXX and they just responded with a result of accurate and unchanged result on XXXX. I called to speak with Experian and spoke to XXXX in the dispute department who said it was verified from XXXX XXXX XXXX XXXX who is not a verifiable source. XXXX XXXX Denied me credit for this alleged Bankruptcy.

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 2020-10-01
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:
I am a victim of identity theft. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law the bureaus had thirty ( 30 ) days to complete your re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: MS
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 XXXXXXXX XXXX # XXXX - has violated my rights. 

15 U.S.C 1581B Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

DID I GIIVE YOU WRITTEN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT? 

FUTHER MORE THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 I HAVE NOT GIVING XXXX, XXXX, EQUIFAX ANY WRITTIAN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT. 

This Agency is in violation of 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
So I received a trial modification in XXXX first payment was due in XX/XX/XXXX i sent that payment in the middle of XXXX for XXXX the required amount is XXXX but as i wire the money in it is easier to round up on XX/XX/XXXX or there about I thought I would get ahead by paying an extra XXXX dollars so I could then pay the reminder end of XXXX for XXXX payments well this is where it went wrong no they won't let me use the money there I have to pay the full XXXX which shorted my truck payment as I had budgeted the payment to be XXXX dollars less I sent in the XXXX and they said that I could use the XXXX on the next payment when I went to pay I found out guess what they lied again no we will use that money to go to the back payment owed when we do the final payment of the trial due XX/XX/XXXX which I sent in via XXXX XXXX due to the covid19 and the local bank unable to do a wire via the drive up and a few other complications wire sent XX/XX/2020 this time for the exact amount. This is XXXX  it is my money how I use it is up to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Upgrade, Inc.
State: CA
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:
I am a victim of identity theft. Beginning XX/XX/XXXX and have had numbers of credit cards, loans and accounts opened in my name without my authorization, knowledge or consent. My 3 emails, social media and phone were compromised. 
The actions I have taken are as follows : XX/XX/XXXX Filed Police Report # XXXX for Fraud XX/XX/XXXX Filed Police Report # XXXX for Identity Theft XX/XX/XXXX started to contact merchants that I am aware of identity theft against me XX/XX/XXXX - contacted my banks and closed all my checking accounts and credit and debit cards XX/XX/XXXX - Opened an account & filed a report to FTC XXXX Federal Trade Commission ) at Identitytheft.gov XX/XX/XXXX Contacted Credit Bureaus ( XXXX, XXXX, XXXX ) to put Fraud Alert/freeze on all my credit/identity XX/XX/XXXX Filed an Identity Theft Report at Office of the Inspector General at secure.ssa.gov XX/XX/XXXX Suspended my compromised cell phone One of those credit cards is a card with Upgrade , Inc . I was notified of this card fraudulently being opened by a welcome letter in the mail XX/XX/XXXX. This card was opened with a credit limit of {$10000.00} that was already maxed out before I received the card. I have reached out immediately and informed them of fraud. My response was that someone would get back to me, which I never received a response from anyone. I have reached out on 3 separate occasions. I have never activated nor used this card to my benefit directly or indirectly in any way, or have made any purchases on this card. I sent an email out on XX/XX/XXXX in another attempt to resolve this. My response to this email was a request for more information and documents which I complied with. I have submitted all documents that have requested from me, and all possible documents to prove my claim. My response from Upgrade , Inc. was returned with a request for even more documentation. I have provided the requested documentation and have not heard from them. I did not hear back so, I have sent a follow up on XX/XX/XXXX with an email. I have also followed up with dispute letter from the FTC Identitytheft.gov. On XX/XX/XXXX, I have finally received a response refuting my claim that this transaction is indeed fraud. 

However unfair this has been to me, I may be forced to seek legal action, of this if it continues, at your organization 's expense if this persist.

Company response to consumer: Closed with explanation