BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 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, 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 an account without my written instructions 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 then records of convictions of crimes which antedates the report by more then 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.

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 2023-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX - XX/XX/XXXX I got a credit limit {$160.00} and the account got closed with {$400.00} with late fees on XX/XX/XXXX XXXX XXXX - XX/XX/XXXX got limit {$250.00} card was closed and affected my credit score because of the active card XXXX - XX/XX/XXXX credit limit was {$850.00} was closed with late fees and interest of {$1000.00} affecting my credit and sending me to collections Portfolio recovery associates reported unknown amount of {$1200.00} XX/XX/XXXX sending me to collections with debt buyer account status dont recognize this information Also another one for XX/XX/XXXX for {$420.00} and for XX/XX/XXXX for {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FTC Violations XXXX XXXX XXXX XXXX XXXX {$5700.00} USDOE/XXXX  {$71000.00} XXXX XXXX {$3000.00} XXXX   {$360.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Collection XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX XXXX XXXX - Collection XXXX XXXX - Collection XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2021-12-18
Company: Experian Information Solutions Inc.
State: KY
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: Information belongs to someone else

Complaint:
An appeal to person using XXXX XXXX XXXX XXXX XXXX KY has never been a residence. I have never lived there been involved in any crimal activity there. I did however go to XXXX XXXX program for XXXX days in XXXX. XXXX XXXX. The report shows since XX/XX/XXXXmy identity has been engaged in crimal activity I took no part of. XXXX, theft under {$500.00}, and numerous reports of criminal accitivity that doesn't concern me under my ss #. Showing on my background check

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 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX and Transunion are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full directly to XXXX XXXX XXXX XXXX. This account should never had gone to collections in the first place and it should be reporting a {$0.00} balance. XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Credit cards and hard pulls along with incorrect names/ numbers and addresses are attached to my credit report. Open credit cards that capital one can not locate associated with my social security number but are reported on my credit report. Credit bureaus have been contacted.

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 2023-06-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have received numerous letters from XXXX at Wells Fargo Auto Finance. She states the same, ridiculous thing in each letter. 'Wells Fargo gave XXXX XXXX XXXX the money ', this is true and a very stupid thing to do. When I got my XXXX XXXX from XXXX XXXX XXXX, I had to bring in proof of income, which was 3-6 months of Bank Statements to show I indeed have the means to pay on the loan. 

Wells Fargo Auto Finance failed to do this, so it`s Wells Fargo Auto Finance who made the huge mistake. I've also attached my Award Letter from SSA showing I`m XXXX, this is a Federal Letter from SSA . It doesn`t matter what amount was written down on the sales papers from XXXX XXXX XXXX . Proof of Income has to be attached before any loan of this amount should be given out. 

I suggest that Wells Fargo Auto Finance start looking at my Legal, Federal Documents that I have attached over and over again. This also need to be put through the ADA, and I have been denied the paperwork to fill out to show that I am, indeed XXXX  and live on a fixed income. I just got my Section 8 Voucher for Low Income people, so I have to move to an apartment that takes Section 8, I can barely afford to live here, and pay on this ridiculous loan that should never have been issued to a car dealership. 

I`m getting tired of stating the same thing over and over again, which all happens to be the truth. Wells Fargo had better do something else rather than send me the same stupid information. If this continues, I may have to seek legal assistance and I`m also entitled to a free of charge as I`m way under the poverty level. this vehicle can not be refinanced, and I can not do a trade in as the vehicle was never worth close to {$28000.00}. Wells Fargo Auto Finance should have asked for proper financial documentation, they didn`t need to be there as they have mentioned in one letter to me. 

Wells Fargo Auto Finance also should have known better, and looked at the XXXX XXXX XXXX Value of this vehicle, I don`t believe they did.

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 2021-12-18
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
XXXX Bank XXXX removed as a result of dispute multiple times keeps reappearing. 

Contacted creditor requesting information they advised they submitted removal several times and no such account is showing on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
2019 I discovered that there has been several properties purchased with my name and social security number in the state of Georgia. I have continually trying to reach out to the property. The XXXX police department in several districts. I have called the GBI I have called everyone that I could possibly think of to report that someone has used. My social security number to purchase these properties with my name and social security number. The address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia. XXXX Upon going down to the department of records downtown XXXX. I notice that this person has more properties with my name and social security attached. To it? Not just this address but other progressions as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Experian Information Solutions 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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate XXXX  to furnish my data with the following companies, please be aware, no consent, is identity theft : LATE PAYMENTS TO XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : LATE PAYMENTS TO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

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 2021-12-03
Company: EQUIFAX, INC.
State: MA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX put inquiry on my report without my authorization. Even after contacted the company the inquiry still on my report. This is my second complaint about this unlawful action.

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 2023-06-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am writing to inform you about a distressing incident involving a scam by an international online seller on PayPal. Despite being scammed, PayPal has not taken any action to investigate or deactivate the seller 's account. I had no opportunity to recover my money as the transaction was completed before any action could be taken. The seller 's PayPal accounts, XXXX and XXXX, are still active, posing a risk to others. 
I paid to Paypal account : XXXX first and then he requested more money from me through XXXX. 

The fraudulent transaction occurred with a seller who claimed to be a clothes and bags manufacturer based in XXXX. They offered complimentary goods for a marketing event, with the requirement of covering the shipping fee. I paid {$130.00} for the shipping fee, assuming it was reasonable given the origin in XXXX. However, after the payment, the seller requested additional funds. I refused, asked for a refund, and the seller blocked all communication. 

I contacted PayPal for assistance, but they were unable to help. Similarly, my bank couldn't assist as the payment was made directly from my checking account. I'm concerned that the seller will continue scamming others, while PayPal has taken no action to terminate their accounts or address the refund issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Klarna AB
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
KLARNA/XXXX put inquiry on my report without my authorization. Even after contacted the company the inquiry still on my report. This is my second complaint about this unlawful action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently started to check my Credit Report around XX/XX/23 for the first time and I seen so much false information on it. There were false names, phone numbers, address and even a negative debt for {$3600.00}. My friend told me to download XXXX and XXXX app to dispute it. He wrote the dispute, and a few things came off but not everything. 

Then when I did more research, I learned that you should call the companies to explain the Identity Theft instead of disputing online. So, I called XXXX and they said they will get back to me. I called a weeks later and was just put on hold and then the call just hung up. 

Now I'm taking the proper steps to fix everything. This negative false information is affecting my family and me. The bank seen so many different names for me and like XXXX addresses. It even shows that I have an address in Colorado and I never even been to Colorado.

My credit is not the best and thats why Im trying fix it. I do have a few other negative debts and I take full responsibility for them but the one debt for {$3600.00} is not mines.

I lost my wallet few years ago and had to get a new ID and many years ago I lost my passport and had to report it and get a new one too. I don't know if that has anything to do with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
OPENED CHECKING ACCOUNT WITH CITI BANK ON XX/XX/XXXX AND WAS OFFERED XXXX XXXX XXXX  MILES AS BONUS FOR OPENING ACCOUNT BETWEEN XX/XX/XXXX-XX/XX/XXXX, MAKING {$370.00} IN DEBIT CARD TRANSACTIONS AND SETTING UP MOBILE BANKING. THESE REQUIREMENTS WERE COMPLETED ON XX/XX/XXXX. TERMS STATE WITHIN 90 DAYS OF COMPLETION BONUS WILL BE CREDITED. 123 DAYS LATER AND NO ONE AT CITI OR XXXX XXXX  CAN FIND THE MILES. MY HUSBAND COMPLETED THE SAME ACCOUNT AND BONUS AND RECEIVED HIS MILES. CALLED CITI 3 TIMES NOW AND NO ONE CAN EVEN FIND THE PROMO CODE OR GIVE ANSWERS. USED THE LINK DIRECTLY FROM THEIR WEBSITE TO OPEN THE ACCOUNT. MY XXXX XXXX NUMBER IS XXXX IF FOR SOME REASON THEY CANT FIND IT. IN THE MIDST OF THIS THEY ARE CHARGING {$25.00} A MONTH TO MAINTAIN AN ACCOUNT IM NOT USING BECAUSE THEY CANT FIGURE OUT WHAT IS GOING ON. New complaint based on the below response XX/XX/XXXX Your response below is not adequate as I did login to your mobile app and link my checking account the same day my husband did. I have subsequently deleted the app as you can not figure out what is going on with my account and I will not use it until you do, I have reloaded the app now. 

Company 's Response In your complaint, you cited that you have not received the  XXXX XXXX XXXX offered under a new account promotion, XXXX, after meeting the terms and conditions described in the offer. Ms. XXXX, our goal is to ensure that all of our clients are provided with the highest level of service and we regret you had cause for dissatisfaction under any circumstance. In my review, I found that the terms and conditions of the promotion have not been met. As indicated on the enclosed terms and conditions of the promotion, the second step of the promotion was to download the Citi Mobile App from your app store and log in to your new Eligible Checking account. Our records indicate that you did not log into the mobile app ; therefore, we respectfully deny your request to be credited for the XXXX XXXX XXXX. I have refunded the monthly services fees assessed to your account and it will reflect as a credit on your next account statement with todays date.

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