BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: Applied Data Finance, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I originally got the loan in XXXX for a trip out of the country. I didn't realize the damage i was going to endure through out the loan. I kept receiving emails to refinance at a lower interest rate which was XXXX XXXX at first and dwindled down to around XXXX XXXX after refinancing. I am basically now stuck in this loan and have been paying for years. 

I recently was laid off and now they will not stop payment until I find a job. they will continue to take money out of my bank that doesn't have the money to pay the loan payment. I don't want to close my bank account I have had for XXXX  years. They will not help me and I am out of options on what to do with this high interest loan. I have paid more then I have owed probably XXXX or XXXX  times over. {$140.00} XXXX  a month. I am still on time but I know what will eventually happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
PLEASE REMOVE THE FRAUD ALERT ON MY FILE, I DID NOT AUTHORIZE ANYONE TO PUT IT ON MY CREDIT REPORT, I DON'T WANT IT. PLEASE. 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 2022-02-21
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: Reporting company used your report improperly

Complaint:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I have already made a complaint about transunion violating my consumer rights pursuant to TITLE 15 USC 1681b which states that written consent needs to be given for any action to be taken. Transunion sent me back a letter saying an account was verified. How can anything be verified when transunion was not present during any alleged action? Please do your job and protect me, the consumer from this nonsense. Its affecting my ability to receive credit extensions and causing more headache and stress.

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 2020-09-12
Company: 4M Collections, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XX/XX/2020 I CONTACTED XXXX  REGARDING SEVERAL ACCOUNTS THAT WERE THE RESULTS OF IDENTITY THEFT. I SUBMITTED MORE THEN ENOUGH SUPPORTING DOCUMENTS TO HAVE THIS ACCOUNT NAMED. DISCOVERY FINANCIAL SERVICES ACCOUNT NUMBER XXXX I HAVE NEVER BEEN ASSOCIATED WITH THIS ACCOUNT AND DOES NOT PERTAIN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is XXXX XXXX and XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please investigate these negative accounts on my credit report I have disputed these accounts multiple times and I have received no verification as to why these accounts are on my report plus it has been more then thirty days

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 2023-06-15
Company: Experian Information Solutions Inc.
State: LA
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:
It is XXXX to report inaccurate information on an account in accordance with the Fair Credit Report Act. Currently, my credit report shows inaccurate information and a charge-off. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. 

15 usc 1681a2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agency. This isif thepersonknows or hasreasonable cause to believe that the information is inaccurate. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. What are the ways in which your company reports CHARGE-OFF ACCOUNTS with NEGATIVE STATEMENT BALANCES and has inaccurate information with different credit agencies?

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 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm demanding that these unauthorized accounts be removed and blocked immediately from my credit file. These accounts obviously was opened without my permission and at the time my wallet was stolen and identity compromised. If you or your companies can not provide me with physical documentation then these accounts shall be removed immediately. 

1 ) XXXX {$410.00} 2 ) US Dept of Education {$3600.00} 3 ) US Dept of Education {$1800.00} 4 ) US Dept of Education {$1800.00} 5 ) US Dept of Education {$480.00} 6 ) US Dept of Education {$1000.00} 7 ) US Dept of Education {$290.00}

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 or about XX/XX/2023 I requested that Transunion conduct an investigation into several items on my personal credit report. At the same time I notified the alleged creditors that is was requesting validation of the alleged debt I did not and have not heard back from the alleged creditors at all however Transunion was able to somehow validate the debt. XXXX also performed an investigation on these same alleged accounts and was NOT able to validate or verify the false info and removed accounts from my file. Transunion was not able to validate the debts but yet said they had.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
received numerous mailings from wells fargo mortgage regarding an IRRRL ( interest rate reduction refinance loan ). reached out to company to initiate the process. was advised that since i was requesting to change the loan maturity date with this process, i no longer qualify as the monthly mortgage payment would change. company made several credit inquiries on my credit report during this time.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Profile wasnt locked when it should have been.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: CITIBANK, N.A.
State: GA
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:
To Whom It May Concern : I called Sears Repair on a complaint that I was not receiving ice from my XXXX refrigerator. A technician was sent out to inspect he informed me that my ice maker was inoperative and that I needed another one, which required 3 different parts for repair. It also required that I defrost and unplug my refrigerator for two days. The parts were sent to my home XXXX delivery. On XX/XX/2019 a second technician arrived to perform the repair after performing his inspection, he determine that I didn't need this repair and parts that was present. It only required the defrosting of the unit, which he explained often happens on this particular XXXX refrigerator. He put in his computer all the information and refund to me credit back to my account. He gave me labels to put on the Parts Packages that I needed to return back to Sear through XXXX on that date. I have all the documents date and time in which XXXX delivered to Sears and whom sign for its return. I have unsuccessfully sent all this information to Sears to present proof of the return and requested that they update their records to reflect but as of to date absolutely nothing as been done. 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 explanation
Consumer complaint received 2023-05-02
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX charged a late fee to my account for XXXX of this year because my payment came late. I called and asked if I could have the fee removed. The person I spoke with said they noted it and that the fee will be removed and reflected in the XXXX bill. The paper bill I received had showed a minimum amount that reflected the fee still there as well as my XXXX payment having not been received. I knew this was incorrect, and their website doesn't pull up on my computer and I've been trying to register for an online account since I opened the account over two years ago at this point. So I called customer service to get the actual minimum for the XXXX bill. I was quoted a number that clearly reflected the late fee from XXXX I was told would be removed. The person on the phone insulted my intelligence by saying the person you spoke with earlier misspoke and said they remove the fee from my total balance after I pay it. How is it a fee removal if the fee is " removed '' after I give you money for the fee. I don't appreciate being lied to nor condescended. I then called back and asked about the dispute process and was pointed to their web page that customers are expected to print out, fill out, and then send snail mail to some address in South Carolina. This is from a company that on their online portals and every paper bill encourages us to go paperless with their " XXXX '' website that has not allowed me to register for it since I've opened this account. This leads me to believe the dispute process is a formality, farce, and nothing they actually take seriously. I want to dispute the fee and I want it removed from my due balance immediately like I was told it would have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed {$1200.00} on my venmo transaction. 
XX/XX/2022 XXXX app-used couch He was on his way to new place with moving truck and wanted to pick up Emailed received with cashier check ( deposit money for the moving company ) Asked if I can deposit that and keep {$250.00} and send the rest using venmo. 
XX/XX/2022 I deposit the check. 

XX/XX/2022 It showed as if it was posted. 
XX/XX/2022 sent money to @ XXXX {$750.00}, @ XXXX {$500.00} XX/XX/2022 The cashiers check had been returned. 
I called XXXX Bank and asked what had happened. XXXX Bank told me it was an unauthorized check and I stopped the transaction. 
And also sent email to XXXX XX/XX/2022 I received an email from venmo that you guys already sent the money to them. 

XX/XX/2022 XXXX I called the support team spoke to XXXX and also received confirmation email. 
XX/XX/2022 also I evidence was also sent by e-mail to XXXX. 

XX/XX/2022 XXXX I received call from this number XXXX XX/XX/2022 XXXX XXXX ( collection dept ) I spoke to XXXX hung up on me and transferred to C/S dept XX/XX/2022 XXXX XXXX C/S dept spoke to XXXX XXXXAdvice to call different number XXXX But I got the same answer that Venmo couldn't solve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 have recently reviewed my credit reports on XX/XX/2023 from TransUnion and have identified unauthorized inquiries that have appeared on my TransUnion credit profiles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not provide consent for these inquiries, nor do I have any affiliation with the entities or individuals responsible for them. As a result, I believe these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date credit information, and unauthorized inquiries have the potential to negatively impact my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: GA
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 am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: SC
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:
FTC Report # XXXX RE : Identity Theft Dear Equifax Please remove the following accounts listed on my credit report. Ive received the assistance from my attorney, and mortgage loan officer, as well as the FTC and CFPB. This accounts listed are a result of identity theft that account when I was on a tour of duty in the armed forces. I did not open these accounts nor have I benefited from them. I am in the middle of closing on my first home through a VA LOAN, and my bank pull my report and showed me several accounts that I never knew existed. PLEASE REMOVE IMMEDIATELY. XXXX and XXXX   have already removed these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This company is still reporting a bankruptcy that isnt mine after the 3rd party company they use to verify public records have told them it isnt mine and provided a letter that states to such. I have been dealing with this company and this problem for 4 years and Im ready to take legal action if its rectified this time. I have attached an FTC and the XXXX XXXX Letter showing they removed it from their database as not mine.

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 2023-06-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XX/XX/2023 Tuesday Experien Response on XX/XX/2023 via CFPB as follow : This complaint lists someone the company does not recognize or their customers authorized representative Complaint ID : XXXX. 

My request to Experien in this new CFPB complaint to determine ( A ) a possible fraudulent case by an unidentified party against me during the litigation process conducted by 3rd party debt collector, XXXX & authorized by 2 major banks in USA. 
( B ) Mistaken Identify with someone else with exact same name as me but different social security no as Experien reported in my credit reportmy item XXXX of XXXX, in my previous complaint against Experience several weeks ago. ( C ) Something Else not yet determined. 

Once again, I am requesting a written details from Experience so that I can have sufficient information to determine ( A ) Case of Fraud against me ( B ) Mistaken Identify with someone else with exact same name as me but erroneously reported social security no. ( C ) Something else not yet identified. 
Upon receiving additional details of unrecognized party from Experien, I will investigate further as necessary to correct my credit report as reported by Experien. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: NJ
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 accordance with the fair credit reporting act convergent, XXXX XXXX XXXX, XXXX 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

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