BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: ENOVA INTERNATIONAL, INC.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I submitted an application on XX/XX/2023 and was advised to put in the requested amount up to what I was approved for. I provided the requested information then was advised I was denied. When I contacted customer service, I was advised by XXXX that he couldnt provide information regarding the decline and I would need to check my email. After checking my email I discovered the denial reason was for bank account activity. I called back and spoke to XXXX again who spewed nonsense at me and stated for privacy they couldnt provide further details. How is it a violation of privacy when Im the consumer? This sounds like a load of garbage and companies like this need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: WELLS FARGO & COMPANY
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:
In 2019 I discovered a Wells Fargo card, a XXXX XXXX card, and a XXXX XXXX card had been taken out in my name and had been used for a long time under my name. It now has gone to collections and is damaging my credit score. I have a police report that shows my birth certificate and social and ID card were stolen in XXXX texas at the same time my motorcycle was stolen and other objects stolen from my XXXX. I then went to XXXX  for a few months and was not able to resolve the issue and life happened things backed up so Im just now getting around to taking the proper steps to reporting fraud. They ran about 27 inquiries under my name within a month or 2 period of time all across texas and California. Those inquiries have since fallen off but I remember they tried opening multiple accounts in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I've been a Paypal user for about 20 years for my all natural health and fitness store. In XXXX of 2022 Paypal froze my account. I immediately called them and was told that it was permanently frozen due to " Illegal narcotics '' sales, I was shocked to hear this because I have never sold anything illegal in my life! I asked to speak to someone immediately to rectify Paypal 's error to which I was told they would not give me anyone else to talk to ... their decision was final! I asked to see proof of the " Illegal '' sales and they could not show me their so-called " evidence ''. After much arguing and failed requests to at least be able to " face these false accusations '' I resigned myself to accepting the closure because the Paypal representative told me that I would be able to receive my {$15000.00} balance after a 180 day waiting period, and I was given the date of XX/XX/2022 as the date to when my funds would be transferred to my bank account. I waited the 6 months, and then 2 days prior to this XX/XX/XXXX date I looked into my account to find that on XX/XX/XXXX, Paypal payed my entire balance of {$15000.00} to themsleves. I did not authorize any payment, and I did not understand what was going on, so I called Paypal. They told me it was absorbed as " damages '' for " breach of the XXXX  ''. I argued again that I did not breach their TOS and again asked them to produce evidence of these " illegal sales '' and " damages '' they caused to Paypal... again, they failed to provide me with any proof whatsoever! I asked to speak to a supervisor. I wound up talking someone calling themselves " XXXX '' who apparently was just pretending to be a supervisor. She said she would start a " resolution '' with Paypal concerning my case and she would get to my complaint resolution with Paypal concerning my case, and she would get back to me next day at XXXX XXXX she never did. I called in again. I was told " no such person working there ''. This is underhanded thievery! I want Paypal to give me my money ( {$15000.00} ) They are using their carefully crafted legal jargon an XXXX  to steal from people! 

Desired Settlement : Refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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

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 2016-11-22
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Had an owed debt with XXXX which was sent to collections to Enhanced Recovery Company. I spoke with them and they offered me a settlement which I took and paid. All of this time it was not on my credit report at all whatsoever. After it was paid which they see on their system It was than reported to all three credit bureaus as a collection also as unpaid although it is paid. They are reporting false information on my report, I lost 43 points because of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting XXXX XXXX  ACCOUNT # 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 as 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 2023-06-07
Company: EQUIFAX, 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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-11-23
Company: SYNCHRONY FINANCIAL
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:
Ive sent multiple cease and desist letters to SYNCB/TJX COS already with no response. This is what is in the letter and what you need to send to them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia [ XXXX ] SYNCB/TJX COS XXXX XXXX XXXX XXXX, FL XXXX XXXX : SYNCB/TJX COS account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by SYNCB/TJX COS , ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 
Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original Creditor, and demand the following : *Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation *Zero out the balance and delete all accounts held by Debt Collector from all consumer reporting agencies ; *Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertaining to the validation of the alleged debt or remedy for violations that occurred. Any further Communication with the Consumer must be in writing. Delivered via mail to the mailing location above. 

Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) be taken as tacit agreement to the claims set forth, b ) grant the Consumer all demanded remedies, and c ) may result in litigation. 

( Janetos v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX *assignees who are " debt collectors '' are responsible for the actions of those collecting on their behalf '' ; citing XXXX, XXXX XXXX at XXXX. ) Respectfully, 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 2023-02-28
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:
My name is 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 report anything on my consumer reports no consent is fraud.

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 2019-12-06
Company: American Capital Enterprises, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( American Capital Ent ) which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I sign up with an advertising company that was supposed to part of the XXXX XXXX.I was to have my vehicle wrap and in return I was to get paid for it. There was a payment sent to me XXXX and was advised that when receiving the payment to make deposit take out my first week of pay than make arrangement with company with balance to have my car wrap I never did try to get any funds until check cleared, but it never did my acct was closed n I was charged for a bad check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: FL
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 asked Experian to do a credit verification and they said they did, I went ahead and did one myself and found different inaccuracies in the report. 

In accordance with the Fair Credit Reporting Account XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A Section 2. 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 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 2022-02-15
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: Personal information incorrect

Complaint:
i have wrong addresses in my report, i've never lived XXXX. I've written the bureaus about a year now and they refuse to remove these addresses. i have a government job, and can't get promoted, if there is deception, or they fill i haven't been honest with them. I can't believe something so simple has cost me time money and effort, and still in my reports. I've written XXXX governor, and lost what else i can do. I've never lived at XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Simple but has turned into a borad issues, where i live or do'nt live, who make de decicisions, a robot???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
The incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$190000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted the  Fair Collections Outsourcing on XX/XX/XXXX in regards to a phone call I received about a debt. I asked what the debt was for and I did not recognize the company name that was provided. The collection representative did not disclose what the debt was for. He only told me that I owed {$120.00}. I advised that I was not aware of the debt and asked that he send me a notification as I had not received one. He was combative and indicated that I had made a payment on the debt in XXXX but he still did not tell me what it was for. He finally conceded to sending a notification of the debt. It has been almost a week and I have not received anything. I asked for the name of the company that he worked for and he provided but when I asked where they were located he disconnected the line.

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