BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TRANSUNION XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX  Last 4 of SSN : XXXX I am writing to request the removal of inaccurate and unfair information from my credit report. The information in question has been negatively impacting my credit score and is not an accurate reflection of my creditworthiness. 
The following accounts : 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 PERSONAL INFORMATION INCORRET NAME : XXXX XXXX, XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I believe that the information is inaccurate because 15 USC 1681 section 602 A states That I have the right to privacy. This inaccurate information has been unfairly reported to the credit bureaus and has resulted in a lower credit score than I deserve.

I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report.

I am requesting your assistance in resolving this matter. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information corrected or removed.

I request that you investigate this matter and take appropriate action to ensure that the inaccurate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions to address the inaccurate information.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Sincerely 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 2023-06-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-16
Company: Paypal Holdings, Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We have a Paypal account and accompanying XXXX debit card. Paypal has unlawfully placed a hold on our account and will not release our funds. There are no disputes, no chargebacks or other anomalies with our account. We have supplied Paypal with all required information. We have been on the phone with support 6 times for many many hours. Each service representative ( including supervisors ) agrees that there should be no hold on our account, but is unable to do anything to help us.

We need a third party to step in and force Paypal to return our funds. At this point, we want to close the account and simply quit doing business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: January Technologies, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
{$230.00} is owed and the company handed it off to a collections agency who keeps excessively emailing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX & TRANSUNION have been illegally furnishing RE-AGED US DEPARTMENT OF EDUCATION account # XXXX XXXX & XXXX 3rd party information. Transactions and experiences are excluded from Consumer Files due to Privacy laws 1681 sections 602 A & 604 section 2 Ensures my RIGHT to Privacy & A Consumer Reporting Agency CAN NOT furnish an account without MY WRITTEN PERMISSIBLE PURPOSE As well as violation of 1692c They are also in violation of DEBT PARKING

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 2023-03-21
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been asking phh mortgage to reinstate my mortgage payments 6 times. Have applied for modification for 5 or may be 6 times. No help. Even as they say in they LOGO. We are here to help. They never help. I call and I talk to XXXX he is a special agent in the company the phone call fell. I left him 2 phone numbers. Left many messages. Never call back. Im behind on my mortgage. Went through hell during Covid. Trying to get back on my feet. There is a modification for a mortgage extension to 40 years. Why havent they offered me that extension. Why are they telling me to file bankruptcy. Is that help. What are they getting by doing that. Whats going on with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 received a hard inquiry to my credit report that I did not authorize

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 2023-01-25
Company: EQUIFAX, INC.
State: WA
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:
N 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 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 INSTUCTONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I made a payment of {$260.00} to PayPal Credit. My XX/XX/XXXX statement listed a XXXX balance of {$480.00}. During the month of XXXX, I charged XXXX purchases totaling {$170.00} called " standard purchases '' that are accruing 26.99 % interest. My entire payment of {$260.00} was applied to the no-interest balance of {$480.00}. This balance will not begin to accrue interest until XXXX of XXXX. The Card Act of XXXX requires that credit companies apply any amount over the minimum payment to the highest interest balance, which means that at least {$230.00} should have been applied to the high interest purchases. The XX/XX/XXXX statement that I have attached shows that the new no-interest balance is now {$250.00}, meaning my entire payment was applied to that balance. I contacted XXXX on XX/XX/XXXX and spoke with a customer service representative located in XXXX and she did not understand what I was saying regarding the law in the United States. She told me that when I make a payment, I have to CALL XXXX and ASK them to apply the payment to the higher interest balance. That is not my understanding of The XXXX XXXX of XXXX, which requires them to apply any additional funds to the high interest balance automatically- the consumer does not have to call the company to ask that they follow the law.

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 2022-12-06
Company: D.B.F. COLLECTION CORP.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter from D.B.F. Collection Corp on XX/XX/2021. I responded XX/XX/2021 with a certified letter disputing the debt and requesting D.B.F. Collection Corp verify the debt. In that letter I also requested they do not report to credit agencies as the debt was being disputed, and if reported to credit agencies to contact those agencies to notify them that the debt is being disputed. I still have not received verification of this debt from D.B.F. Collection Corp and the collection debt still appears on my XXXX credit report without being marked as disputed.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
You are in violation of the following Federally Protected Consumer Rights : Compliance procedures- 15 U.S. Code 1681a ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information I the consumer never gave Equifax any written consent to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have received several calls from XXXX regarding a Citibank account that I had in XX/XX/XXXX. The representatives I've spoken to claim that I was given a settlement amount of {$1000.00} and something, but since I have not paid the settlement amount, that my wages will be garnished for an amount in the {$2000.00} range. I filed for bankruptcy in XX/XX/XXXX which discharged the debt I had previous to XX/XX/XXXX.

Not only is this company, XXXX XXXX XXXX, using outdated information, but they have called my family members who were not co-signors nor otherwise involved in the accounts I had in XX/XX/XXXX. They are harassing me and threatening to garnish my wages as well as harassing family members who have nothing to do with this debt by leaving cryptic messages and causing them to worry.

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 2018-04-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I opened a Lowes/Synchrony Bank card. In XX/XX/XXXX I paid this card off and it was sent to collections anyway. XXXX XXXX bought the debt and has put negative information on my credit report. I have reached out to this company to prove the debt was paid ; however, they will not respond. They say the balance is {$2600.00} and opened in XX/XX/XXXXbut I have proof I paid {$7900.00}.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing today because I am shock how poor attention and lack of investigation XXXX, Transunion, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX The first error date open Transunion is XXXX XX/XX/XXXX while XXXX and XXXX is XXXX XX/XX/XXXX. 

The second error close date Transunion is reporting XX/XX/XXXX while XXXX and XXXX does not have a closing date. 

The third error account status Transunion and XXXX is reporting closed while XXXX is reporting open. 

The fourth error payment status Transunion and XXXX is reporting current while XXXX is reporting late 150 days The fifth error last payment Transuinon and XXXX is reporting XX/XX/XXXX and XXXX does not have a date. 

The last error credit limit Transunion and XXXX is reporting {$2100.00} and XXXX is reporting {XXXX}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 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 2022-10-25
Company: EQUIFAX, INC.
State: IL
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 719XXXX 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 n 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 XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX00}.

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 2020-09-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA -- they are required to " ... promptly delete all  information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX acc:XXXX  date : XXXX owed : {$4500.00} XXXX XXXX XXXX acc:XXXX date : XXXX, XXXX owed : {$360.00} XXXX XXXX XXXX acc:XXXX date : XXXX, XXXX owed : {$4300.00} XXXX XXXX XXXX  acc:XXXX date : XXXX, XXXX owed : {$510.00} XXXX XXXX XXXX acc:XXXX Date : XXXX, XXXX owed : {$1100.00} In present time of my findings. I XXXX XXXX the consumer, have come to the conclusion my identity has been misused for malicious intent. As the consumer who is bound by the protection of the federal trade commission i would greatly appreciate these charges be removed in a timely manner off of my consumer credit report, for they are fraudulent and disrupting the growth of my financial well-being and hindering me from furthering my business goals and the pursuit of establishing comfortable living and prosperity for my family. Thank you, 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 2020-01-15
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
There is an inquiry that has been placed on my credit report on XX/XX/2020 by Synchrony bank from SYNCBXXXX. I disputed this inquiry with the credit bureau XXXX   asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the  company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.

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 2023-05-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I requested Wells Fargo Bank rescind a bank wire that was sent to a fraudulent sales organization and they refused.

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