BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2023-05-19
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: Information belongs to someone else

Complaint:
After reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, Trans union and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!

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 2021-04-12
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to resolve this issue since getting notice that it was on my credit file. An account from XXXX XXXX for over {$2000.00} is in my name. Now I have never had a XXXX XXXX account Ive been with T-Mobile for well over 7+ years. I notified Jefferson Capital systems to send me the deb collection in writing so I could take the proper steps in getting it removed. The account used my personal information but has an incorrect address. After telling that to the debt collector they told me there was nothing they could do and offered me a {$840.00} settlement amount to remove it from my credit file. I then pulled my entire credit file to find numerous incorrect addresses spellings of my name and also 2-3 filings from the same company in different amounts. I have already gone thru XXXX XXXX in terms of a dispute in the past but everytime it comes off Jefferson Capital just files another collection for the same bill. I would like to have this fraudulent account removed from my credit file. The only address that should be listed is the XXXX XXXX XXXX address. Any other address shown is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Mobiloans, LLC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
The customer service representative will not verify my identity unless I provide them my full social security number, date of birth, zip code, email address, phone number, bank routing number and bank account number. I dont feel comfortable giving them all that information and feel its a bit excessive in order to confirm my identity. I did, however, provide all the information excluding my banking information and they said unless I provide all my personal information, they are unable to answer any specific questions about my account and would only be able to answer general questions. I feel this violates my rights and privacy and raises the risk of potential identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX I received a call from Wells Fargo stating that someone in Texas tried to use my debit card info to buy {$650.00} worth of things on XXXX and they stopped it but did not stop a {$1000.00} transaction made with XXXX, they proceeded to tell me the steps to reverse the funds by going into my Wells Fargo app and going to XXXX to refund the money, " note I have never used XXXX before and did not know what it done '' they then told me to put my email address in and the amount that the people took and write refund so they knew it was a refund I did so and then immediately knew I just got scammed for real, they lady I talked to used wells fargos phone number and lingo and stole money from me, I immediately called wells fargo and they said there's nothing they can do I have exhausted all resources to get my money back. Wells Fargo has been disrespectful the entire time and won't give me any answers

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 2023-09-24
Company: United Collection Bureau, Inc.
State: PA
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:
I find out inheritance investment website that people using my accounts was to data breaches itenty XXXX XXXX stolen along children and grandchildren I believe using our name and I XXXX XXXX XXXX and several other Bank they money saying it me it bad my military family members families children my brother XXXX XXXX is XXXX service I'm problem with phone government phone inherent wifi XXXX  XXXX connection there wifi and XXXX accounts with brother I realize that Data breaches I contact my family doctor and GYN they area is information on XXXX patients patient XXXX XXXX my medical records missing XXXX patients patient XXXX XXXX and my XXXX  medical papers are missing too icon to cut the bags of contacted me to let me know what happened I got a couple others that I have but I've never opened up a bad count a couple years they've been using my social and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There was someone using my social security number to open lines of credit and sending accounts to different locations and now my report has a lot of addresses with incorrect phone numbers and addresses.

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 2019-03-24
Company: Experian Information Solutions 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 spoke with than bank in regards to a late payment reflecting on my credit report. I have had this account for years always paid on time and this particular month I was not able to make payment online do to technical error. unfortunate the payment was reported late after speaking to a representative i was told this would be updated as on time payment with the credit bureau and that never occurred. i tried disputing the late payment with the credit reporting agencies and it kept coming back as verified however i do not believe anything was ever done. i requested to see proof and nothing is ever provided. i am requesting that my report get updated asap to reflect on late payments as the creditor agreed to over the phone back in XX/XX/2018.

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 2022-06-12
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2022 Ally received by certified mail a XXXX $ money order from me with stipulations ( Exhibit A XXXX ) that were in accordance with what Ally has written on the back of the statement ( Exhibit B ) which indicates they know about the UCC codes and expect people to use them, i didnt expect it to work but i gave it try. after Ally received the payment they put a freeze on my account stating they were having problems processing it ( Exhibit C ) up until that point my account was in good standing then Ally returned the payment ( Exhibit D ) so i logged into my account to pay my bill on XX/XX/2022 and saw that there was still a block on the account so i couldnt make a payment i then gave Ally a call on XX/XX/XXXX & XXXX 2022 ( Exhibit E 1-2 ) to find out why i couldnt make a payment. Both times i was told after a XXXX convo that there was a stop payment on the account and that it would be off in XXXX hrs. so on XX/XX/2022 i sent Ally a certified and notarized notice of intent ( Exhibit F 1-3 ) letting them know i am filing a complaint with the FTC ( which sent me to CFPB ) and the XXXX  as well as the U.S. Attorney Generals Office so they can be investigated for this shady business practice because it didnt take XXXX to put a stop payment on my account but its taken more than XXXX to try to get it off so i can make a payment. As of today XX/XX/2022 the account is still on hold ( Exhibit G XXXX ) Ally is purposefully an with malicious intent keeping my account status like it is to force me into default on the loan so that they can ruin my credit an repossess the car this is a illegal business tactic being used by a predatory lending company. This blatant violation of MGL 93a section 2 is causing me unwanted pain and suffering. At this point a repossession attempt by Ally would be illegal because of the illegal business tactics that are being used

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have mailed and twice notarized documentation that the addresses on my credit report were not mine and were used for fraudulent acitivities. 

I've called and spoken with several agents that indicated that the information would be removed. However, its never been removed. Which allows continuation of fraudulent activities under my name. 

I've been given the run around on how to resolve this issue after trying to resolve this is after stopping a fraudulent tax return under my name. Which has happened in the past, without my knowledge.

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 2023-09-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a XXXX XXXX XXXX Credit Card on XX/XX/23 through a link that said if I spent {$5000.00} in the first three months I would receive XXXX miles and XXXX PQP. I took a screenshot of that promotional offer and still have it ( see attachment ). When I spent the {$5000.00} I only received the XXXX miles but no PQP. I called Chase and they said they were only showing the miles bonus but no PQP. They escalated this to marketing but they said there was nothing they could do. I read online that this exact thing has happened to several other people with this same credit card and intro bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
This is my second complaint about transaction ending in XXXX. 

The company only gave me {$7.00} in a goodwill gesture. 

They should have compensated or issued punitive damages to me, at least {$60000.00}. They " forced my hand '' which is a breach of contract ( good faith and fair dealing ) and breach of the Thirteenth Amendment. It's also a nuisance, trespass, and breach of the Shopkeeper 's Privilege. Again, I won a multi-billion dollar default judgement against the XXXX  XXXX XXXX XXXX, and I am hoping that Venmo does not close my accounts because this matter will be sufficient to pay back Venmo anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I was hoping that you could help me with my current situation. 
Brief story is, back in XX/XX/XXXXI fell on some hard times, like many people back then I had filed for bankruptcy, divorced, and was ready and willing to loose my home. I Had it up for a short sale in XX/XX/XXXX, when XXXX XXXX XXXX XXXX ( the original mortgage holder ) went belly up. Since then the loan was sold to different lenders and now Ocwen owns the it. I have tried in the past for a re modification loan with no prevail. It has been over 10 years now that I have resided in this house and been maintaining it without any help from Ocwen. They do however send me a monthly statement now stating that I now owe over {$350000.00}. This can not be legal, and would appreciate it if you would help me with all of this. I can't sell the house nor can I just walk away ( like most had ) or even consider buying a house even with a credit score of over 800. The more I reach out to people the more I find out that I am not the only one. 
I would like for CFPB to investigate further into the original documentation from the original mortgage taken out with XXXX, XXXX XXXX XXXX ( XXXX ) It has been so long ago that I honestly don't remember but I may have taken out a home equity loan to do much needed repairs to the home. New roof, windows, siding and bath remodel. 
I have already filed a complaint through my local Senator XXXX XXXX, who forwarded everything to you folks who in turn just forwarded it to Ocwen and then just closed the case without any further investigation. I would like to receive the original documentation from XXXX who I'm sure you are aware of the circumstances involving their fraudulent charges brought against them back in XX/XX/XXXX. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Self Financial Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF / LEAD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may treat my payment on a credit card account under an open consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Weinberg Mediation Group LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2016 Company : XXXX XXXX XXXX, XXXX NY XXXX and XXXX This company continues to call my parents, my ex-wife and her family, and my phone number threatening to send information to the courts and have me arrested. I asked them for information to be sent to me so I can validate this debt. They refused several times. They somehow have my social security number and mailing address. They said the debt was with XXXX XXXX which I have never used this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$900.00}. APR is 670 % with a total finance charge of {$2700.00} over the life of the loan. Semi  monthly payments of {$280.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments were being debited from my XXXX XXXX checking account via ACH, but I have recently sent XXXX XXXX written notice that I have revoked authorization for ACH debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My Venmo account is linked to my bank account. Someone virtually used my Venmo card without my knowledge and my account was overdrawn by over {$100.00}. I contacted my bank as well as Venmo to remedy this issue. My bank initiated an investigation but they determined that Venmo is fault and I must pursue them in order to get my money back. Even though I properly notified Venmo of the Unauthorized transaction, Venmo did not properly address my grievances, I do not believe they even filed the dispute or began any sort of investigation. It has been well over 10 business days, and nothing from Venmo. In the meantime I have accrued over XXXX $ in overdraft fees due to Venmo 's negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: AL
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. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX 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. As a result, this account should be deleted. 

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 seven 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. 

15 U.S.C 1681i ( 5 ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1681 ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that 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