BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have made multiple attempts to contact TransUnion, XXXX, and XXXX regarding a XXXX account that appears on my credit report. As far as I understand, the law mandates that credit reporting agenies must ensure the maximum possible accuracy when reporting information. I have informed them that I do not recognize this account as it is currently presented. What's more, the account number differs across all three credit bureaus. While TransUnion and XXXX indicate that the account is in collections, XXXX states that it is 120 days late. Additionally, XXXX reports the last payment as XX/XX/XXXX, whereas XXXX and TransUnion state it was in XX/XX/XXXX. I am concerned that this account may have been improperly re-aged. The accumulation of these discrepancies and my numerous attempts to reach out to the credit reporting agencies to verify, rectify, or delete this account from my credit report is deeply troubling.

As a consumer, we have the right to dispute information that we do not recognize as well as the credit reporting agencies have the obligation to thoroughly investigate a dispute and update, correct, or remove the 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 2023-08-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a charge card with Victorias Secret through Comenity Bank. Their online portal was very antiquated and often crashed prior to XXXX XXXX  when they made major changes to the site and the VS app. XX/XX/2023 I made a payment via my checking and routing directly from my bank account. The payment didnt go through due to on error on the Comenity site. I called in and paid the debt the same month. I am now being told that the debt was reported as returned and I take issue with that because it was due to the Comenity Bank site not accepting my bank information ; today it still says theres an issue with my account/routing number on the website and Ive paid with the same card/bank account since I was approved for this account. I am now unable to use the card until I pay the debt off completely, which is unfair because the debt was paid and as a CA consumer I was never notified my card was being closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24
Company: Upgrade, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off the entire amount owed on the personal loan which was {$700.00} us dollars on approximately XX/XX/2022. Upgrade is stating that they never received the payment, they only received the {$300.00} payment toward my credit card account. Upgrade has now charged off the account as unpaid with an amount that is inaccurate ( not sure of total amount ). I have contacted Upgrade several times trying to resolve the issue and even spoke with a manager, sent a copy of my bank statement showing the amount and date the payment was made. The issue has yet to be resolved and they have sent petters in the mail and via email stating that I owe money and that my loan account has been charged off.The payment is page 5 of the screenshot l, line item number 2. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX  I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-09-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I did not authorize this company to run my credit. This is fraudulent

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 2023-08-16
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My car was recently repoed, and after looking at my contract I realized there are a lot of hidden fees that I was not told about. I was told a certain number at the dealership and after reading my contract I realized they lied.

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 2018-07-28
Company: First Data Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company by certified mail on XX/XX/2018 and as of today date I have not yet had response from this collection agent as per the Fair credit reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy and the Fair credit reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. My request to First Data Merchant account number XXXX for the sum of {$230.00}. I have explained that this account is unknown to me and I require FULL validation for this account that includes. It is now 57 days after my certified request for validation. Pursuant to the Fair Debt Collection Practices Act you have failed to provide me under the CREDITOR /DEBT COLLECTOR DECLARATION the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor 3. Any insurance claims been bade by any creditor regarding this account 4. Name and address of alleged debtor 5. Alleged account number 6. Address on file for alleged debtor 7. Amount of alleged debt 8. Date the alleged debt became payable 9. Date of original charge off or delinquency 10. Verification that this debt was assigned or sold to collector 11. Complete accounting of alleged debt 12. Commission for debt collector if collection efforts are successful.

I request that you follow compliance and remove this entry from my 3 bureau credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
This is in addition to complaint ID XXXX I am a natural person. I am a living, human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed, because according to XXXX XXXX XXXX : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. I have been fighting this debt forever, as it is not mine. I have made numerous attempts to understand the inexplicable pattern of so many inquiries one after the other the same day, the same lender, repeatedly within a month but, what I can't seem to understand is how the top companies in the world couldn't flag such activities on my account but worse than that you couldn't even contact me to make sure it wasn't an error. I repeatedly try to look for answers and explanations from you and was led to believe without even questioning its legitimacy. I'm a VICTIM of XXXX XXXX breach in XXXX. I have rights as a victim. 
XXXX XXXX XXXX Acct # XXXX Bal {$2000.00}, XXXX XXXX XXXX I Acct # XXXX XXXX {$19000.00}, XXXX XXXX XXXX I Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Bal {$1500.00}, XXXX XXXXXXXX Acct # XXXX Bal {$1700.00}, XXXX XXXX  XXXX # XXXX. 
Inquiries XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/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

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 2023-03-04
Company: MIDFIRST BANK
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Sent in duplicate payment, Requested a reverse for the duplicate, payments of. {$2000.00} was submitted on XX/XX/XXXX and XXXX both in amount of {$2000.00}. 
XXXX XXXX XXXX called with me on the line to see if they were able to reverse at that time, they said no. I haven't heard anything since the call to them on XX/XX/XXXX. 
I would like to use one of the duplicate payment for my XXXX Mortgage and since I have had issue with this company prior. I wanted to assure that the payment would go against 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 2023-08-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened up a credit card account with Torrid earlier this year. I made one or two purchases and decided to close the account. Over the phone, I paid off my remaining balance and requested my account be closed, which I was told it would be. I began receiving daily phone calls from Comenity Bank telling me that I had a balance. I didnt realize it was associated with Torrid and in XXXX of this year, I made a payment of around {$25.00}. Again, I began receiving daily phone calls and about a month ago, I spoke to a representative and they told me that I had a balance of {$82.00} and that I needed to resolve it. The {$82.00} was due to internet charges and late fees. I explained the situation and demanded my account be closed and I refused to pay the charges. The representative assured me that he would get rid of the charges and close my account. Today, I received ANOTHER bill in the mail for {$82.00}. I am extremely frustrated and I need help getting them to close my account. Every month they are stacking on more charges from interest and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I requested a transfer of {$850.00} USD to XXXX XXXX on XX/XX/XXXX through Paypal. The recipient is located outside the USA. Paypal, refused to complete the transaction and release the funds to the recipient. Instead, Paypal is holding the funds until XX/XX/XXXX ( 6 Months ) before they will release the funds. I have requested multiple times through their customer service as well as having called into the US Customer Service Center, and was told nothing more can be done and I have to wait for 6 months. This is an illegal possession of my funds by Paypal. I requested Paypal to immediately transfer the funds, Paypal refused to complete the transfer to the recipient, and they refused to transfer my funds back to my account until 6 months had passed. See attached screen shots.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

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 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-05-13
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
They have threatened to discharge loan. And continue to say Im behInd on payments. I submitted documents last year requesting the CFO respond to my demands if they use their own money on this loan and I submitted payments and never been behind on this loan. The company continue to report Im behind and credit bureau continue to listen to them without any proof. I continue to get calls to my cellphone even after I requested them to not call. They been harassing and threatening me continuously. This is illegal under the fair reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX XXXX $ was taken out of my account but put back in and then on XX/XX/XXXX it was taken out again but my bank account available stayed the same. 

XX/XX/XXXX XXXX $ was taken out and put back in and then charged XXXX two or three days later. 

Made a payment online XXXX  XX/XX/XXXX and no record was ever shown but I received a confirmation number and I never screenshot them cuz I never have had a problem and now my car has been repod and I have to come up with XXXX to get my car back. I was told 3 different things by three different people. The first one asked me if I wanted to do a payment plan ( I think ) and I said no as I didnt understand what he asked and he also told me that I was only 82 days late I informed all 3 people of me making that payment and its like they never even heard me. The last guy told me it didnt sound like Id come up with the money to go ahead and go get all of my belongings and my license plate. When I get my car back theyre definitely losing me.

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 2023-07-26
Company: EQUIFAX, INC.
State: LA
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:
Recently found out I was a victim of Identity Theft, so was told to pull my credit report to see was there any fraudulent information on there. I found many fraudulent accounts that I didnt open nor did I authorize or consent for them to be opened in my name, along with many fraudulent inquiries for new credit. So Im taking the necessary Steps to get this matter resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXXXXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

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