BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fraudulent accounts and Inquiries appearing on Credit Report. 


Accounts XXXX. XXXX XXXX {$71.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: AR
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 the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. 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 2023-03-26
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:
Please note, this is not a duplicate complaint and I am not using any thirds party for this matter. I'm sending this complaint due to new evidence. 
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXXXXXX XXXX XXXX. They did not provide me with the original application like I asked. 
Please correct my Credit Report on Transunion and this account must be deleted from my report - 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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. 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 2021-03-01
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I receive my Oklahoma Unemployment benefits on the Way 2 Go card. This is mandatory for all. You no longer have a choice to receive to your bank account or any other form. 

Complaint : 1. Took three weeks to receive my card. They apparently simply didnt send mine. Therefore I went without for a little minute because of the mistake. 

2. Paid {$15.00} for my card to be overnighted. Way 2 Go would say expedited but when receiving the card two days later I actually paid for overnight. Therefore they lied and this is now fraudulent since I paid for something I wasnt aware of nor did I receive. 

3. I paid and used my card for one day total before they decided to freeze my account and only pick and choose what was approved to be paid for. Which by the way was nothing. No atm withdrawls, no gas, no bills paid, no food for my family nothing. After one day total and after waiting almost a month to even get my benefits they decide to cut off my card. 

4. Fund transfers are not working. 

5. Set on hold for two hours 5 times with this company only to be hung up on when they decided this wasnt important enough for them to handle. 

6. Multiple fraudulent charges on my card now. Which I can not tell them about since they wont pick up the phone. Which by the way is also fraudulent since their rules for the card states anything fraudulent has to be called in within so many days and if not then they arent liable for 100 %. Only 50 %. So just by them not answering the XXXX phone they dont have to come my fraudulent charges!? 

7. I have set for two days trying to get this handled and they simply wont fix the card and take my calls on the fraudulent charges. So not only do I not get to use my own money because as of now they have taken it from me and wont let me touch it, they get to not comply with a nationwide order on fraudulent charges and they are stealing a government benefit?! 

Im contacting a lawyer by end of day today. Oklahoma is about to be on the map since they cant seem to figure out how to help people after they let some random company who apparently has been doing this for a few years steal their tax payers money. By the way calling the unemployment office does nothing, they tell you they can not help you. Period. End of discussion. 

Im going viral. Im going National. And Im not stopping until this is fixed and Im compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: AR
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 the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Self Financial Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I would love to send dates and times of transactions but the company SELF LENDER has not allowed me access. They are a financial company that helps build credit through various way. I advanced to XXXX XXXX of obtaining a secured XXXX XXXX of XXXX XXXX Somehow my card was allowed XXXX plus dollars to be charged. I did not agree to these terms. the card is secured with a XXXX XXXX. this brings up several problems. I have contacted them over XXXX times. they make it extremely difficult. they are not open on weekend and overall shady practices. they have not resolved my issues and it is ridiculous. For XXXX XXXX to be a company who is in business to help people rebuild there credit it hurts even more. During a pandemic. BEYOND A NIGHTMARE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
To PayPal : I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 

I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leave a balance of {$50.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request or deter me from filing my complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXX XXXX  et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Department of Education Account number:XXXX XXXX XXXX XXXX Account number : XXXX They have violated the following : 15 USC 1681 section 602 A states that i have the right to privacy.

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

15 USC 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 7 years.

15 USC 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 2020-03-31
Company: Aldous & Associates, PLLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I didn't receive enough information to verify or pay the debt, I have never received any written communication about debt before Collection Agency reporting to Credit Bureau, And I made the payment on first business day after its reported to credit, Still company is not removing this account from my credit report. 

First of all I am never a member of Gym they reported to the credit, so I requested them to send me documentation when they call me first time and they never called me again or contacted me in any way. 

Still I have paid to collection agency to have the account removed from my account but they didn't remove the account even after 30 days of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2020-05-08
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I wanted to refinance my HELOC to a five year term and after four months of negotiating I close on the loan twice in XX/XX/2019 .During the loan process it wasnt explain to me that Ill be doing a second loan .The loan processor was in over load and she never discussed key issues about the loan such as during a second loan and adding a third lein to my property when NFCU could have consolidated the two loan together.In my opinion this is negotiating in bad faith I have tried for several months to resolve the dispute through the XXXX XXXX XXXX  but unsuccessful so I decided to use this avenue instead.also Im forwarding all my supporting documents to you thank you for your attention to this matter.XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
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 these XXXX  Accounts listed below has violated my rights : XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX BANKRUPTCY DISCHARGED XX/XX/2014 REFERENCE # XXXX DEPTEDXXXX ACCOUNT # XXXX DEPTEDXXXX ACCOUNT # 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 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
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 privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME AND # XXXX XXXXXXXX XXXX  Has violated my rights. 

15 USC 1681 SECTION 602 A. States i have a right to privacy.

15 USC section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 b more than seven years. 

In accordance with the FAIR CREDIT REPORTING ACT LAW the XXXX XXXX account needs to be removed ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Infinity Capital Group, LLC (CO)
State: NY
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:
I reviewed a copy of my credit report and INFINITY CAPITAL LLC DBA ran an unauthorized credit inquiry on me on XX/XX/2022. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact INFINITY CAPITAL LLC DBA and investigate such occurrence.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-05
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has repeatedly reported derogatory information to the credit bureaus causing my credit scores to drop considerably. This was from a XXXX medical bill that they set up monthly withdrawals from my credit card. I have the statements and now they are saying I owe additional fees that were not included in the withdrawals. I attempted to explain, I did not set the amount, I just provided my card information to eliminate the debt and not ruin my credit! They have stated they are uncertain why the amount XXXX Dollars for one and XXXX Dollars for the other were not taken, however, if I pay it now, they will stop reporting it. Mind you, they are reporting twice a month. This is just a terrible act committed against the little people. I was trying to be responsible and they still ruined my credit. I was in the process of buying a home, my score dropped 40 points in two months. This is unfair to the core of collections!!!!! We the little people in the Big Business World require assistance. HELP!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Information belongs to someone else

Complaint:
There is an account opened on my credit report from XXXX or 2023! The account is XXXX XXXX XXXX  the account number is XXXX. This is not my account and it is fraudulent. Its also defamation to my character by having this reporting to my credit report. I have reached out to the company but havent heard anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX claims to have billed Flagstar Mortgage for my policy. Flagstar claims no bill was recieved. Flagstar claims a partial payment was made but returned by XXXX XXXX. So the policy was cancelled, this is the second time this has happened. the first time XXXX XXXX reinstated a policy i cancelled instead of applying the funds to the proper policy. i called all parties about the change in policies. It was not until a claim was made and the deductible was XXXX higher than the replacement policy i purchased, When i called about the deductible I realized the old policy was back. Both parties just pointed fingers and refused to accept responsibility. It wasn't until I said I was calling the Atty General that XXXX XXXX stepped up and corrected the problem. Flagstar raised my house payment by XXXX per month to insure escrow would balance with the new policy amount. This wasXX/XX/XXXX, the same thing has happened again. In XX/XX/XXXX, I was charged XXXX for a policy supplied by Flagstar when they should have just paid the XXXX one. The 2 of them are blaming each other. In the meantime. XXXX XXXX says they can not reinstate the policy. I feel i should not have to pay the XXXX difference in the cost of the Flagstar insurance due to errors on the part of these 2 companies. I just realized I'm being charged this new amount. I'm getting the same runaround I got the first time they did this. No one wants to admit an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Yes I once filed a complaint against this company one time before but now I have a better understanding of what happened my identity was stolen back in 2013 when I first moved to XXXX XXXX XXXX XXXX South Carolina I put a freeze on my credit someone went to XXXX or either XXXX South Carolina and did a huge loan with XXXX XXXX XXXX I called the head office and ask them about the loan and ask them how could I get them to remove off my credit and that it was fraud I asked them how did a person apply for the loan the lady said they did it online because after she told me that that's when I let her know it was fraud then she said if you can get information from the law enforcement or proof of fraud then we can do something about it and then she got an attitude with me so I told her I was going to take it further

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