BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: Cash Link USA, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On Tuesday, XX/XX/2022, this company contacted my employer 's human resources and they left their phone number and reference number. One of the representatives from my company email me this information on the same day. The information left was the phone number ( XXXX ) XXXX and reference number XXXX. When I called, they never said the name of the company. One the guys " Sorry, forgot the name '' says that I owe CashLink. I was coming from out of town and carrying the luggage upstairs. I called back and ask for a letter to be sent to me which they said that they couldn't. Then I was told that someone is supposed to bring me a letter. I was very confused. They wanted me to verify my social security number which I wouldn't. I called again and said that you are not supposed to contact my employment in which they said that they didn't. I advise them that I wouldn't call this number and have a reference number if they didn't. On Wednesday, XX/XX/2022, I called to get the name of this company which I was given XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: SIMM Associates, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX I received a phone call from a XXXX number but did not leave a message I did not answer it because I don't know that number today I got a phone call from a friend of mine saying that this company was calling them looking for me if it's that important and you need to talk to me leave a message on my phone which they did not do you don't call someone else that's not how that works and they also called my friend the same day that they called me on Thursday which was XX/XX/2023 they called me at before XXXX in the morning I do not know what time they called her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX XXXX XXXX  XXXX placed a fraudulent account wich reported on my credit report profile 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a concimelam demanding the deletion of the

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 2018-11-28
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for discover credit card on XX/XX/2018 and I was told that I need to send in some documents by fax which I did and it cost me XXXX out of my pocket and now they told me they needed more paperwork from me and its costing me more money and said that it was rejected by XXXX and I need to resend them again which I refused to do ... discover said it was the wrong date which is XXXX-2018 and each time I called discover about my account they refused to help me out with my account and I felt discrimated beacuse of my color cause I fax in my ID to them front and back showing my face ... and they kept telling me talk to next dept ( security ) and I dont like this company and I want to be treated fairly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being charged with a debt at this location that doesnt belong to me. There seems to be an eviction or owed amount on my credit report. Ive submitted several disputes and ultimately had to file another police report to start an investigation. This same address is attached to XXXX accounts that were fraudulently opened in my name that i had to get removed from my credit report as well. My personal information was also leaked through XXXX during a breach. This does not belong to me i am not responsible for this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I received a letter today XX/XX/XXXX dated XX/XX/XXXX that my account had been closed. I was not aware my account had been closed. I was also advised this was a result of service fees that were being charged to my account monthly. I had a free checking account and request the fees to be waived. Additionally, I was charged {$30.00} for a returned transfer from XXXX back which was a result of XXXX Bank making an error. As seen from the attached correspondence from XXXX, this was their error and was fixed. I ask for a credit of those fees as well. Please instate account and fees. Thank you. 

The bank indicated I was refunded the fees from XXXX Bank. The fees XXXX refunded did not include these fees from XXXX as I was not aware of the impact till months later. Please see a copy of that was refunded by XXXX and for what.

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 2023-10-09
Company: Professional Debt Mediation, Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX through a mortgage program because of covid agree to pay $ XXXX toward my mortgage, but I have to pay the difference which is XXXX first, because the state wants to make sure when they make a payment the account is XXXX out and not behind. Citizen bank wont let me make a partial payment so that XXXX can make their payment after. I have called the bank over XXXX and I have been getting a runaround. 

So I need to make 2 partial payments to pay my past due balance, my house is in foreclosure and the bank won't process my payments. The XXXX grant from the state is time sensitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: MD
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently pulled my credit report and noticed Experian are reporting the incorrect balances for my accounts. Because XXXX and XXXX are reporting something different, this means the account has not been properly verified. Please delete this immediately. 
XXXX XXXX XXXX XXXX  balance is {$150.00}. XXXX XXXX XXXXXXXX balance is {$78.00}. My other XXXX XXXX is XXXX. XXXX XXXX {$450.00}. My XXXX  XXXX balance is {$48.00}. My XXXX  is {$140.00}. My XXXX  is {$100.00}. My XXXX XXXX is XXXX. My XXXX XXXX balance is {$190.00}

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 2023-10-09
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX Attempted to update the debit card on file with venmo XXXX our non profit rescue. Learned the account was setup incorrectly by the previous XXXX of the rescue, and the account was frozen. I have been told by Venmo on several occasions that this has XXXX resolved, and should be able to update my account info in order to transfer the money with no avail. There is {$3100.00} in our venmo account that we are unable to access. Venmo has told me that they would need to cut a check and mail to my home, to which they have not. Their customer service is less than helpful and we need our money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$1600.00}

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 2021-01-02
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I Contacted My State Attorney Generals office and the Cfpb on old navy sychrony bank because they failed to give me atleast 90 days of applicable relief due to covid-19. My state has passed its own care act and company 's have to give 90 days of covid relief and can not report delinquency or other adverse actions to any bureaus. 
Old Navy Sychrony has violated state laws and I have the screen shots to prove it. I am also enrolled in credit counseling because of the company 's negligents.

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 2023-10-19
Company: EQUIFAX, INC.
State: NC
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 am writing to dispute the following information that appears on my consumer report : 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 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 Explanation of items being disputed : My credit report includes a name that is different from mine. Each report lists the name/alias : XXXX XXXX XXXX However, my name is XXXX XXXX ; as listed on my birth certificate, and social security number. I have never opened a credit card or line of credit, and I am only XXXX years of age. I am a victim of identity theft and don't recognize the accounts on my report ( listed above ). The only loans that I have ever authorized are student loans and they are linked to my real name : XXXX XXXX. All other things on my credit report, previously or presently are fraudulent. Please investigate these claims and have them removed from my credit report. I have made disputes in the past and had them removed as they were also fraudulent. Some of the past reports stated credit cards in my name before I was the age of XXXX. I have suspicion that my social security number has been breached and I am a victim of identity theft and fraud. 
Thank you for your assistance.

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 2021-01-02
Company: Experian Information Solutions Inc.
State: OH
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 sent letters on XX/XX/XXXX and have not received a response. I have been disputing this for months with no response. I feel as tho I'm being taken advantage of. I DEMAND these accounts be deleted from my credit report immediately! Also, XXXX XXXX XXXX has not provided proper validation of these accounts! I attached what they sent and this is not validation of these accounts that they're reporting to Experian. They are supposed to send me a signed contract with my SIGNATURE! They're in violation! Experian is in violation as well. Also XXXX XXXX XXXX is reporting different amounts on these accounts to Experian and the letters they sent me say a TOTALLY DIFFERENT Amount! THIS IS A VIOLATION!!! Also, XXXX XXXX XXXX DID NOT send anything for 2 of the accounts. I never received anything for those. I have attached the letters and what is being reported to Experian. Experian is supposed to make sure that what is being reported is ACCURATE! PLEASE REMOVE ALL ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY!

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 2023-09-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 have had a number of recent unauthorized credit inquiries added to my credit report and needed a correction or removal of all inquiries from XX/XX/XXXX  to recent to be deleted from my credit reports immediately due to unauthorized hard credit inquiries. Companies told me that this would be a, " soft credit check. '' I did not authorize any hard credit checks and ask for their immediate and permanent removal from my credit reports.

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 2021-01-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have incorrect information listed on my credit report with this company. I have submitted multiple disputes and nothing has been resolved nor have they provided me with satisfactory documents to support these documents. I keep getting responses about credit repair I can not afford credit repair or anything like that to assist with this nor can I afford any lawyer to take this to court. I wish to file and address my complaint here going thru your site has not giving me any resolution so please do not ask that I file thru your site I have done all of that and made phone calls. I honestly dont know what else to do other than to keep filing complaints.

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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company response to consumer: Closed with explanation