BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance : {$4300.00} XXXX US DEPT ED XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$150.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$360.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$690.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; DP OF EDUC XXXX Balance : {$3100.00} ; DP OF EDUC XXXX Balance : {$4300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Aargon Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous phone calls and voicemails with robot-messages from different numbers. Over the past month, I have received calls and voicemails with the same robotic message about debt and legal proceedings, all from different phone numbers. In XX/XX/XXXX, I was called once on XX/XX/XXXX, twice on XX/XX/XXXX ( with two different numbers ) and once on XX/XX/XXXX. All of these were different numbers with the same message.

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 2018-07-08
Company: Premier Student Loan Center
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My daughter graduated from college in XX/XX/2018 and XXXX claiming to be from Premier student loan center called offering student loan forgiveness assistance. The phone # she called from was XXXX and her voice mail gave a different name, XXXX. XXXX requested my daughter and I pay XXXX for the next 6 mons each and then after six months I would pay XXXX a mon and my daughter would pay XXXX a mon saving us XXXX in student loans and interest. We believe this offer was legit and she used scare tactics urging us to accept the offer now because XXXX is trying to shut down this program and I will have to pay XXXX a month and my daughter would pay XXXX a month plus XXXX in interest. My daughter provided her bank card info to hold the offer and I gave her our FSFSA confirmation #, so now they have access to all our info SSI #, DOB, tax  information and etc. She took the XXXX when they promised to wait on us to give authorization. They preyed our vunerability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My XXXX XXXXXXXX XXXX was totaled out after a car accident in XXXX of XXXX. Fifth Third bank completely shutdown their total loss department duty to covid and was only accepting emails. They continued to count my car payment late for months because they took their time responding back to my insurance and gap warranty companies. Eventually they reported that my car was being repoed which is impossible because the car was totaled. Eventually I got a letter in the mail stating I owed an additional {$890.00} after my car insurance and warranty paid their balances. They falsely reported to my credit report off of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Paypal locked my account over 100 days ago and i had over {$580.00} in it. They are telling me I need to wait over 180 days to get access to my funds. I am in a very bad financial position at the moment and could really use those funds now. I do not see the need for paypal to hold these funds for this long. Its already been XXXX days. 
What more could they need to research?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish 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 2020-08-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-04-05
Company: Time Investment Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I initially fell behind on my account due to Covid19 and asked for a deferral several times and have not received one. I have received multiple voicemails pertaining to this account which my friends and family have heard. Proprietary information should not be disclosed on my phones voicemail. Last voicemail I received was from branch manager XXXX you should know better considering where you work, this account will be charged off by the end of the month if we do not receive payment. AND DO NOT CALL BACK HEAR ASKING FOR IT TO BE REPEALED. This voicemail was intimidating and harassing. When I called and spoke to XXXX he specifically said YOU OWE ME MONEY. I replied I owe time financing, not you I asked for another deferral and he replied why would I give you one and you havent paid me in how many months? I replied, thats why you would give me one I advised XXXX to never talk to me like that again, I am not his child. I spoke with his supervisor XXXX and even provided him the voicemail nothing has happened. I have yet to receive any deferral and I have not been advised why I can not receive one. I am being discriminated against based on the XXXX of my skin, I sincerely believe minorities are being mistreated and it has a disparate impact on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: VA
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 have attempted to handle this with Equifax on numerous occasions. Please be advised that this is causing financial damages. Failure to provide and appropriate legal and lawful response will result in further action. Failure to provide such response within 7 calendar days will constituted as your acceptance that this debt is not valid. Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE REMOVED THE FOLLOWING IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 contacted TransUnion credit bureau with a dispute letter about XXXX accounts that are not mine. I sent a letter and I called them directly. These are not my accounts and I asked them to provide me the original signatures from the companies that are reporting that I owe something. When I called they told me to call the companies but how can I call a company that I don't know and what am I supposed to say? I looked up the FCRA laws and it says that the credit bureau reporting this information must provide the original copy of the contract agreement or anything showing that it is my account. TransUnion keeps telling me to call someone when they are reporting the incorrect information and they will not provide the original contract as requested because there is no contract because I never did any had an account with these companies. Everting I called I get passed around to numerous people and no one will provide any evidence that those are my accounts. They just say call the companies and hang up. I can't call someone I do not know but since they are reporting the incorrect information they should provide some type of evidence or proff other than just saying call someone. 

I sent certified mail on XX/XX/XXXX and when I call they said even though the delivery was confirmed they need 5 days to pick up the mail. When I called back they said call the companies reporting this information but I dont know who they are nor do I have there phone number and would know what to say.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: TN
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 a victim of identity theft. My id was stolen from my car and was used to get loans and credit. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct dispute process is not being done and I am not getting copies of the dispute process per the FCRA

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 2023-08-17
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:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-04-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I received an email regarding my dispute has been completed. I then called Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the dispute. The representative XXXX said the accounts were verified. I am in disagreement with your decision. Ive requested you provide me the information you used to verify and validate these accounts, you have yet to do. By law, you are supposed to provide me with exactly how you verified the items and include the name of the person you spoke with and the telephone number. How can you decide if these accounts are accurate without an original contract with my signature? You have never obtained personal interviews with my neighbors, friends, and associates who may have knowledge concerning these accounts. For that reason, you have FAILED to conduct a proper investigation. You have violated my consumer rights. To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. I NEVER received the requested information from you. According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item. According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. XXXX XXXX XXXX Delete this item. It doesnt belong on my credit profileXXXX XXXX XXXX XXXX XXXX  ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX XXXXXXXX. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXXXXXX XXXX  XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX XXXX XXXX  ( Delete this item. It doesnt belong on my credit profile. )

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After recent review of my XXXX XXXX I found numerous Hard Inquiries on my report that I have no knowledge of, or did not authorize .The following are the hard Inquiries that I have no knowledge XXXX : XXXX XXXX, XXXX, XXXX Mortgage XXXX XXXX XXXX, Credit XXXX Bank XXXX XXXX bank XXXX CB XXXX XXXX XXXX, Factual Data, XXXX XXXX funding, XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX, Web Bank ... 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 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, we ( fianc and I ) placed a {$15000.00} check in a USPS postal box XXXX On XX/XX/XXXX, the check was fraudulently deposited by a person named XXXX XXXX XXXX XXXX  rather than the Pay To we wrote of " XXXX XXXX XXXX. '' There is visible white out over the original Pay To line. 

We noticed the fraud a few days after XX/XX/XXXX and contacted XXXX XXXX, our banking institution, who reviewed our fraud claim and agreed there had been fraud. They helped us file an affidavit with Bank of America, the depositing bank, communicating the fraud and request a return of funds. 

As of XX/XX/XXXX, we have not had any funds returned, permanently or even temporarily. 
XXXX has not given any indication of timing, and Bank of America ( for sensible reasons ) refuses to correspond with us given we are not customers of the bank. We are completely in the dark about when, if ever, the money will be returned despite all indications this is an obvious fraud covered under the protections of CFPB Reg E. 

These are funds for our wedding, which is occurring XX/XX/XXXX, that need to be paid to the wedding venue or our event will be cancelled. We need the funds returned immediately, and the interim, need to know over what timeline we should expect resonation.

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 2020-09-30
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Venmo account was used for an unauthorized transaction on XX/XX/2017. Due to the fraudulent activity, I opened up a new venmo account to avoid security concerns. Venmo froze my new account because the transaction on XX/XX/17 was never paid and they will not unfreeze my new account until I pay the amount of the fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX XXXX, I am verifying that I, XXXX XXXX XXXX, I am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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