BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for 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 2023-05-10
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX and XX/XX/2023, there were two unauthorized transactions made using my PayPal Debit card. One for {$520.00} and the other for {$1300.00}. According to PayPal, these purchases were made in the XXXX and in XXXX ( or some country that sounds like that ). I was never notified by Mastercard nor XXXX, the two entities that provide the Debit card that suspicious charges were being made. I did notice " pending '' purchases at " retail '' stores on my PayPal account that I did not make, those being the totals provided above. Once I called PayPal to investigate, they took my info and told me that an answer would be received in my " resolution center '' section of my account. After a few days, I noticed that PayPal had found in favor of the " Seller '', so the scammer got their goods and I am not getting my money back. I asked that the issue be escalated, and it was. I was then told that the charges were deemed by PayPal to be " authorized '' because the scammer using my card number had my " 3 digits on the back ''. I told the agent at PayPal that the card is in my pocket, and there is only one. Obviously, the card had been skimmed and these purchases were made XXXX in two different countries in STORES. They said they would look into again, and once more, they kept my money, insisting the charges were " authorized ''. Of course, I in no way every authorized these charges and was totally robbed by entities that obviously had stolen my Mastercard Debit numbers, front and back. This is a lot of money, which was part of my payroll at that time. I have the documentation from the PayPal website as well. This is an unfair business practice, as I am a victim of someone stealing my Debit card information, and PayPal is just telling me that they charges were " authorized '' and to date, I have lost my {$1900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: Veripro Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I sued XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), in Federal Court for reporting false, and duplicate information to the credit reporting agencies, and then refusing to take the information off my credit reports, after the issue was brought to their attention ( violations of the FCRA & FDCPA ). In XXXX, XXXX paid a substantial settlement to me in order to settle the lawsuit. The debt was a 2nd mortgage on my property. 

My complaint today is because I have since been made aware that XXXX violated the terms of the settlement agreement that they signed with me and are in breach of the contract, as our Settlement Agreement and Mutual Release ( SA ) specifically states and promises that I would be release " of all claims whatsoever '' ( item # 4 in the contract ) as a result of the agreement. However, I later learned that they sold the 2nd Lien rights to Veripro Solutions Inc. ( I am filing a complaint against them as well ). The 2nd lien they sold to Veripro is a " claim '' by definition, and was the only security they held against my property, therefore, XXXX is in violation of our SA. 

I am currently trying to refinance my house, however, Veripro has stated that the will not provide a lien release on the 2nd lien that XXXX sold them, until they are paid {$35000.00}. I have now suffered damages, as my lender is unable to secure a lien release. XXXX was unable to respond to a recent Validation request yet is demanding $ XXXX for the lien that XXXX had already promised to release me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
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: Their investigation did not fix an error on your report

Complaint:
I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXX XXXX XXXXXXXX XXXX. This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the COVID-19 pandemic. According to the CARES Act, such deferred payments should not be reported as late. Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Transunion, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over seven months ago. As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Transunion for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 check was deposited from client for fence installation for {$2200.00} check was frozen by wells fargo states as fraudulent check however other parties bank confirmed validity of check and the hold was not on their end but from wells fargo. Wells fargo gave multiple different reasons that did not make sense and time and money was lost due to freezing accounts and funds.

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 2018-05-23
Company: Jon Barry and Associates, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-05-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act theses XXXX Accounts, 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 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 Equifax 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a fraudulent collection that was already resolved by CFPB and has been now sold to another collection agency. Same amount same everything just a different collection agency. It keeps on coming up every few month through a different collector. Will it ever end? It was never me I never had anything to do with XXXX. Thank you XXXX XXXX Account name XXXX XXXX  Account numberXXXX  Account type Collection Responsibility Individual Date openedXXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1600.00} Balance updatedXX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Now it opened again XX/XX/XXXX XXXX XXXX XXXX XXXX 
Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
In accordance with the Fair Credit Reporting act theses XXXX Accounts, 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 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 ) Transunion 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian will not fix my credit report. I have called - I have mailed a letter etc.. 

XXXX  and XXXX  both list the correct information that I filed Chapter XXXX Bankruptcy and my case is confirmed. 

I called Experian and was given an email to upload documents - this does not work - I gave the women on the phone my Bankruptcy Case number - and I explained that the 12 accounts listed on Experian should not be on my account. Stated could not help me I had to prove I was in banakrupcty. I told her that why did the other credit bureaus have the correct information - no answer.

I wrote a letter and called. the Experian report is 100 points lower for my credit score than the other two reports.

It is bad enough that I had to file bankruptcy due to a Health issue and loosing my job - but when you are trying to repair you credit and the credit bureau is making it worse.

Experian will not add the Chapter XXXX Bankruptcy and they are ruining my chances of even getting a secured credit card or a decent job.

My finances are effecting my car insurance - homeowners insurance and I am currently seeking employment and they are using Experian and the information is incorrect ( New Jersey ).

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 2023-08-09
Company: Affirm Holdings, Inc
State: TN
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:
There is a company by the name Affirm who is furnishing account information on my credit report against my consent. I did not give them permissible purpose to do so. Pursuant to FCRA 15 USC 1681b - permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They did not even give me disclosures pursuant to 15 USC 6802B Opting out of having my information reported. The kept certain information from me. I did not give them legal permission to report my personal account information.

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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 status incorrect

Complaint:
I submitted a dispute to Experian on XX/XX/XXXX via certified mail. The certified mail was delivered on XX/XX/XXXX. I logged into Experian today and I noticed that theres no dispute initiated. Experian has cause me extreme anxiety because i am in the process of getting a refinance on my house and Experian is reporting incorrect and unverifiable late payments on my credit report. I have attached the dispute that was sent and delivery confirmation form USPS

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 2022-05-16
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a home loan with Caliber home loans. There are multiple issues that we have had with them. 
Since at least XXXX XXXX XXXX, we have been trying to fo through the process of refinancing our house. During covid ( XXXX ) we ended up having to go on a forbearance for just a couple months ( even made small payments ). We signed the paperwork and sent it back, was told everything was done and granted. Well, then in XXXX we wanted to refinance. Caliber kept telling us that our account hasn't been updated to reflect anything. We kept getting the same response every week ( " we are working on it and should be updated next week. " ). To this day, XXXX, XXXX, XXXX, our account is still messed up and not updated!!! The whole reason we are refinancing is because we can not afford our payments ( that got raised right after we signed papaerwork ) paperwork. Since they have stalled on everything, we lost the opportunity for a good rate, and now our refinance ( because we do not want to be associated with Caliber any longer due to no help at all from them ), we are in hold because they haven't updated our account with our forbearance. It has been a YEAR since that forbearance!!! Why is this not taken care of like we were told??? How are they able to get away with stuff like this??? No one wants to talk to us about anything. We get transferred, told the same things over and over, and NOTHING IS GETTING DONE. They are the worst mortgage company I have ever dealt with. And I worked with a foreclosure company! What can we do to get the to stop screwing us?!?! Like I said... we have been dealing with this for a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: NCB Management Services Inc.
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 sent a dispute letter regarding an account on my consumer report. They responded by sending me a copy of the following alleged information : original contract, account statements, and account transfer document. I sent them another letter describing how they failed to provide me the required documentation and again they responded by sending me the same documents they did before. It is clear that this company is willfully noncompliant with the rules set forth by the FTC and is in violation of said laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/23 I received an email from CHASE stating that they had received a credit card application from me and was being processed. I did NOT try to apply for a credit card with them. I also received an email from XXXX XXXX stating I had a Hard Inquiry on my account now which effects my Credit Score. I contacted CHASE and have since received two letters from them. The first letter, containing my name and address, just states my request for a credit card needed more information. Reminder I NEVER sent in any application for a credit card with them or any other company. 
The second letter from CHASE, this time containing someone else 's name but with MY address came saying someone has tried to fraudulently open a credit card under their name. CHASE screwed up this paperwork as I am the one who had someone try to open a credit card with my info!! 
I need this taken care of and for my credit score to resume to the score it was before this fraudulent action put on a fake Hard Inquiry to my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # 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 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 explanation
Consumer complaint received 2023-05-10
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: United Shore Financial Services, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
During XX/XX/XXXX-XX/XX/XXXX I applied for a loan assumption which was massively delayed and for which I was ultimately denied after 9 months of waiting. I was told I would have to reapply instead of simply remedying the debt to income ratio issue. 

I reapplied on XX/XX/XXXX with the initial request for the assumption loan application packet. Two months later I have still not received it. This is longer than their projected time to receive the loan application. I have also called weekly and been told that I would receive prompt communication from the assumptions department but have not received any communication.

Company response to consumer: Closed with explanation