BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. This complaint is sending due to the new items on my report they I have discovered just recently. 
I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.

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 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I leased a car from XXXX in XXXX, NJ in XX/XX/XXXX. When it was time to turn in the lease in XX/XX/XXXX I decided to purchase the vehicle. I went to the dealership and took out a loan on XX/XX/XXXX with XXXX to buy out the vehicle. I got a loan through XXXXXXXX XXXX XXXX to purchase the vehicle. A few weeks later I started getting calls, texts and letter in the mail saying I have a past due balance of {$1100.00}. I called the dealership and they assured me I have no past due balance since I bought the car. The account is now showing 60 days late on my credit report and dropped my score almost 100 pts. I have talked the creditors every time they call and have explained to them, I have sent them email copies of the purchase contract and yet this has not yet been corrected.

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 2023-07-17
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX, I had a minimum payment due around {$68.00}. When I tried to pay using LTE or 5G, it would not let me. For the record, I have never been able to pay my card on the Apple XXXX  app using data, it only allows me to pay using Wifi. This is normally fine, but in this month I was RVing from national park to national park and there was no WiFi at all. The only access I had to internet was via LTE and 5G cellular service. I called to alert them and to try and pay, but my phone calls were not answered. They never notified me that I would not be able to pay my bill over anything other than Wifi. I would like for these late payment marks to be removed from my credit report due to this unfair situation with Apple Card. I now can not get approved for a car loan because of the major hit this had on my credit score, and my current car is having lots of issues, so I'm in a very tough spot right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an escrow account with my mortgage company Mr Cooper, they were late paying my XXXX taxes with the county of XXXX tax collector as a result a late fee was charged in the amount of {$690.00} by the tax collector which Mr Cooper eventually paid. I have never been late on my mortgage payment. Now Mr Cooper is attempting to bill me for the late fee being imposed by the tax collector, a mistake that Mr. Cooper made. Mr Cooper initially placed blame on the delinquency on my previous Mortgage servicer ( XXXX ) XXXX XXXX XXXX  but after XXXX did an audit, Mr. Cooper agreed the delinquency was cause by Mr. Cooper. This is an on going issue that has been going on since at least XX/XX/XXXXXXXX  with no real resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Paypal Holdings, Inc
State: GA
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 was suddenly barred from accessing my funds by Paypal for reasons they hardly describe. Despite an effort for them to explain the reason they just insisted its a final decision. This is against a background of faithfully using their services for 3 years I am unable to withdraw my money from the site, neither am I able to receive or reverse payments made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I paid for Goods and Services for {$700.00} dollars using Venmo purchase protection on XX/XX/XXXX. The fee associated with protecting the goods and services was an additional XXXX dollars. The seller gave me only {$420.00} worth of the goods I paid for which is why I disputed {$280.00} of it. 

I reached out to Venmo on XX/XX/XXXX but lost my initial claim. Then I petitioned for an appeal and provided more evidence. 

On XX/XX/XXXX, they reached out and said they could not appeal my dispute. 

Given that I paid the fee for protecting my purchase, I would like my {$280.00} refund and Venmos full cooperation behind this matter. They need to re-initiate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter from Synchrony Bank, dated XXXX XXXX XXXX denying a credit card application for a PayPal Credit Account that I never applied for. It stated that I requested to open an account on XX/XX/, which I did not do.

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 2023-12-08
Company: BHA Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BHA Services sent a text message to my personal cell phone trying to collect a debt from my deceased mother. She has been dead for XXXX years. I personally paid all of my mother 's outstanding debts through CA probate process. This company should be severely fined for their disgusting, deceitful, illegal trade!

Company response to consumer: Untimely response
Consumer complaint received 2023-05-05
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
My Sister Was Under Age And Using Me As A Guardian For Her Cash App My Account Is Locked For Whatever Reason And She Had Money On It And I Use My Cash App To Get And Send Money And I Cant Do ThatAnd It Has Almost Been A Month No One Has Contacted Me Or Nothing Yet Why Is It Taking They So Long .People Have Lives And Bills They Have To Take Care Of Im Very Mad

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As notified before, I am a victim of identity theft

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 2023-08-29
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-20
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX XXXX  XXXX First National Bank of Omaha ( FNBO ) that was approved 7 hours later and on the official XXXX XXXX website showed a bill offer that I would get a {$100.00} reward so my trip cost would be {$0.00} if I was approved and it would only take a few minutes to see if approved. This email does not document my card was an annual PREFERRED {$98.00} membership fee. XXXX uses the same type of promotion but XXXX was legitimate, XXXX did not illegally sign me up using false marketing schemes and XXXX did not illegally enroll me in a recurring {$98.00} membership fee like FNBO. 
XXXX received credit card with preferred annual fee membership. I checked balance to see if they charged me, but she & XXXX said they could not issue me the free membership card. So basically a {$90.00} trip ended up costing me {$280.00} since I never received any rewards and she said I'll be charged {$99.00} at the end of the month. Plus after 10 years I'll spend over {$900.00}. If I close tge card my credit will be destroyed!! Also FNBO XXXX with customers credit limits causing expensive fees and further damaging credit score. 

The official XXXX XXXX XXXX FNBO the predatory XXXX run an organized online cyber gig that gains access to customers credit cards using false pricing and in less than 3 minutes hijacked my money to a card that has add on fees and FNBO is an organization worth {$1.00} XXXX full of CEO grown-ups working for corporate greed bleeding average Americans and destroying their credit scores. And it IS ILLEGAL FOR COMPANIES TO DECEIVE CUSTOMERS INTO THINKING A DISCOUNT EXISTS WHERE IT ACTUALLY DOESN'T. 
I do not want FNBO credit card. FNBO has cases stemming back from XXXX charged for using deceptive business practice. I hope for a fraud solution with the XXXX credit companies so I don't get penalized as a company XXXX  makes {$1.00} XXXX dollars should be held accountable for my tiny request compared to their billions.

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 2021-02-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
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 2023-05-05
Company: EQUIFAX, INC.
State: MI
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 have disputed fraud accounts on my credit report and sent all verifying information to prove that these accounts do not belong to me the accounts are as follows XXXX  XXXX, XX/XX/2018. This account is fruauduent and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/23 XXXX XXXX XXXX XXXX I received a call from Southwest Credit Systems XXXX No one said anything. XXXX I called back spoke to a XXXX who said he was calling on behalf of XXXX for {$110.00}. I informed him that I am already in Dispute with T-Mobile concerning that Fraudulent Balance & have filed complaints with The XXXX, FCC, FTC & the Illinois Attorney General Office against XXXX for XXXX XXXX XXXX I then asked for the acct # only to discover that XXXX had hung up the phone on me. XXXX I called back spoke to a XXXX who Immediately put me on hold & left me there. XXXX I called back spoke to a man who said his name so fast that I didn't hear it & when I asked him to spell it numerous times He Refused, I then asked to speak to a Supervisor numerous times again He Refused saying No Supervisor is Available. XXXX I called back spoke to a XXXX who gave me the acct #

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: DISCOVER BANK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover bank is intentionally misreporting negative information on my credit reports to keep my credit score from recovering. I went through financial difficulty about 4 years ago and I am trying to move on but I can't get my credit to recover because of the continuous misreporting by Discover bank. I have attempted to resolve this issue with all three credit bureaus to the point where now when I attempt to dispute this account I get an automated message that says they will no longer investigate this account. I am going to list all of the incorrect information that is being reported and I am going to attach images directly from their sites that show what I am talking about. 
The first thing that Discover is reporting is an available credit amount on a charged off account so that it will impact my overall credit usage which hurts my credit score. Discover is reporting that I currently have a {$3000.00} credit limit on an account that has been closed for four years. 
Discover bank is also reporting a new charge-off each month which adds new negative information to my credit report each month instead of allowing the account to age properly and therefore impacting my credit score less as time goes on. 
On the XXXX credit report, Discover Bank states that account was closed on XXXX. However, the payment history reports that XX/XX/XXXX is 120 days late and XX/XX/XXXX is 120 days late. It is not until XX/XX/XXXX that the account is reported as charged off. Discover bank is also reporting that there was a {$3000.00} credit limit between XX/XX/XXXX and XX/XX/XXXX even though the account has been closed since XXXX. 
On the XXXX payment history, Discover bank reports XX/XX/XXXX as 90 days late and reports XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 120 days late even though the account was charged off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: NJ
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:
on XX/XX/XXXX, I started a Identity theft claim and all fraudulent activities were removed. aout 6 months later a creditor put the debt back on my credit profile. I called the creditor on XX/XX/XXXX and immediately disputed it. I spoke to XXXX XXXX Collections Specialist at XXXX XXXX and was advised to send Identity theft report to her and I did on XX/XX/XXXX. They Acknowledge receiving it on XX/XX/XXXX and It is now XX/XX/XXXX and I haven't received a resolution. I told Ms. XXXX that XXXX XXXX XXXX were involved in Fraudulent Activities and they should look with-in XXXX. I contacted Experian Credit Bureau Fraud Department and was advised to send them the Identity theft paperwork and I did. No one in XXXX will contact me, Experian Credit Bureau will not remove this fraudulent item from my credit report that is derogatory {$83000.00} charge off. XXXX is billing someone else name under my social security number and I have sent all the information that is reequired. My latest call was to Experian Customer service Fraud department. Spoke to XXXX and said there is nothing she can do. just keep disputing it. That doesn't help. Its currently negatively affecting my credit. As I have mentioned to Experian Several times.

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 2021-08-19
Company: EQUIFAX, INC.
State: GA
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation