BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I made an XXXX XXXX for the sum of {$120.00} through Paypal friend and family and the XXXX said that it shouldn't take long to do. It's the middle of XXXX now and I haven't seen anything about my commission and I needed the money back for financial reasons, but they rejected it saying they couldn't refund the money now, then I found some information about said XXXX being a scammer and I filed a dispute through Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Last year I discovered a false account with XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2023-02-13
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Furthermore, this account is under {$500.00}, and there is no original creditor listed. Surprise billing act has also been violated.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I keep receiving Invitations for my deceased husband to apply for a XXXX credit card. The company 's XXXX service is being supplied my late husband 's credit information from TransUnion and XXXX. I reported my husband 's death and sent confirmation in 2021 not only to XXXX when closing his account, but also to the three main credit-reporting buraus. I also placed a permanent freeze on his credit bureau accounts, so why do I continue receiving offers in the mail? Does a credit freeze and death notification mean anything these days? This has to stop, and these companies must be penalized. These nefarious practices from which they profit lead to credit fraud and ID theft.

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 2021-02-28
Company: Benuck & Rainey, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
My problem is I received a collect on my XXXX XXXX report I called the collection agency to see what is was it was for a charge from a company by the name of XXXX  XXXX  i have no clue what the debt was for they had my name but the address was wrong. Since it was only for {$160.00} I told the rep I would just pay it because I'm trying to buy a home in XXXX. I explained to the rep that i wanted to do a pay for deletion the rep assured me that they would take care of it from there once I paid the debt. If I knew they were not going to honor the pay for deletion I never would have paid it but the rep assured me it would be handled as a pay for deletion and they always contact the bureaus once the debt is settled. Well they lied to me and now when I call the company to discuss the deletion of the account they give me the run around. The company has a million complaints very similar to mine with the XXXX XXXX XXXX. I still have not received my letter showing that I paid the debt or have I received a receipt of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-02-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to dispute this debt that I have nothing to do with for the past 5 yrs. I have spoken to the collections company and asked them to verify that the debt is mine, but none was ever sent, all I get is these annoying phone calls from them and it's on my credit report. I would like it removed from my record. If you look at my report I am only acknowledging my XXXX XXXX XXXX XXXX XXXX XXXX and XXXX thats it!. And all of them are in good standing and no problems. I have disputed this debt using XXXX 2 times because when I call the collection company to ask for proof i get nothing. 
I would like to have this debt removed. 
I don't know if this has something to do or done by the same individuals that emptied out my bank account back in 2008 or something I don't recall the date but it's with XXXX XXXX XXXX XXXX XXXX. The bank acknowledge fault and refunded my money because of a breach or leak of information, I am not aware or was informed on how it happened. But since then I closed that account and rarely use my credit card. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: In progress
Consumer complaint received 2022-04-13
Company: Driveway Finance Corporation
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My credit report shows inquiries on my report and I did not authorize this company to use my information. Multiple companies are now emailing and calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: OneMain Finance Corporation
State: LA
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:
An inquiry is reported on all three of my credit bureaus and I did not consent to this company pulling my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
An inquiry is reported on all three of my credit bureaus and I did not consent to this company pulling my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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, XXXX XXXX Acct XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-23
Company: Genesis FS Card Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a collections notice to my XXXX XXXX and XXXX apps today from Indigo Mastercard. I have never heard of the card or account that I am disputing. I never applied for this card. It never even showed up on any of my credit reports until today when it showed up as a collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint regarding a transaction dispute with Goldman Sachs, the issuer of my Apple Card. On XX/XX/2022, I attempted to make a purchase in the amount of {$430.00} at the XXXX XXXX store using my XXXX XXXX. However, the transaction was unsuccessful, and I had to use another credit card to complete the purchase. 

Afterward, I noticed an erroneous charge of {$44.00} on my Apple Card statement, which was clearly an incorrect amount, given the applicable 8.125 % sales tax rate. Upon contacting the store manager, I provided them with the purchase receipt, which was automatically emailed to me at the time of purchase, to highlight the issue. The manager acknowledged the error and promised to forward the receipt to the Sales Audit Team for prompt resolution.

Despite these efforts, Goldman Sachs failed to locate the receipt and deemed it insufficient to resolve the dispute. Moreover, they demanded additional proof from me, even though I had already provided the only evidence available to me. They did not even request the store to provide the receipt for the {$44.00} transaction, which would have been a logical first step in addressing the dispute.

I am writing to request your assistance in this matter, as I have been unfairly burdened with proving the non-existence of a transaction that I did not authorize or make. This request for additional documentation is unreasonable and places an undue burden on me as the customer.

I trust that you will look into this matter and ensure that I receive a fair resolution to this dispute.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Remove fraud accounts off my credit file. XXXX, XXXX XXXX XXXX, and six closed accounts XXXX XXXXXXXX bank. XXXX XXXX bank, XXXX XXXX, XXXX XXXX account.. Are Fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2020-01-28
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I wish to have Diversified Consultant to remove a claim I owe XXXX for {$1900.00} - I change companies any XXXX stated I owe them {$1900.00} - all my phones where paid - any I only owe approximately XXXX dollars - I attempted to talk to customer service before switch to another carrier, and after I change I was contact my XXXX for various deals and I decline - I was with XXXX for 20 years and service started to decline and I left .Approximately XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: SYNCHRONY FINANCIAL
State: MO
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 have a lot of hard inquiries on my credit report which I didnt authorize or give permission for my credits being ran. I would just like them deleted asap. I havent applied for credit since 2020

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 2021-02-28
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt is paid in full with Midland Funding LLC, XXXX XXXX, XXXX, MI XXXX, as of XX/XX/2020. Their phone number is XXXX XXXX XXXX XXXX. Midland Funding continues to report a zero balance on my credit report. While the balance is XXXX, it shows as a current collection, which it is not. I ask that they remove the XXXX balance remark on my credit report. 

Secondly, since the account is paid in full, Midland Funding has not update the Michigan Department of Treasury. Therefore, my state of Michigan tax refund of {$400.00} was sent to them. I am requesting that Midland Funding return my state of Michigan income tax refund immediately. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I worked with XXXX XXXX ( Personal NMLS # XXXX ) at XXXX XXXX Mortgage XXXX on a mortgage recast beginning in XX/XX/XXXX that resulted in a 60-day non-payment of my monthly mortgage that damaged my credit report. He explained late payment was part of the standard process. Due to multiple delays and lack of responses from XXXX, I ended up still paying the monthly mortgage twice, but it was paid for future months ( currently I am paid up until XX/XX/XXXX ). I repeatedly asked XXXX why I had a late payment notification and he told me to disregard it. I see now my XXXX XXXX has dropped from XXXX to XXXX. 

All of this is documented in the attached email exchange. Please see attached XXXX  screenshot showing XXXX XXXX late payments. Please take note of XXXX 's extreme lack of follow up, and 2+ week delayed responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX/XXXX/2023 I received XXXX emails between XXXXXXXX XXXX ( PST ) anXXXX XXXX XXXX ( PST ) from an account claiming to be Bank of America. The emails asked me to verify my email, notified me that I had applied for, was approved for, and had opened a Bank of America XXXX XXXXXXXX XXXX  account, and finally notified me that I had changed my e-mail address. The emails were sent from XXXX XXXX XXXX. 

I called Bank of America to report the fraud but have been unsuccessful as I do not have the checking account number.

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 2018-02-21
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my credit due to having my information exposed in the XXXX debacle. Experian has been the post challenging to initially place the freeze, but now that I need to unfreeze I can not due to mistyping my PIN. Experian only allows you to upload or mail in the request with your social security number, copy of drivers license and a current bill. I opted to upload since I really dont want all of that information floating around nicely packaged together, with Experian credit freeze on the envelope. Over 8 days have gone by and nothing has been received. Experian gives you no option to inquire. So I am sending a mailed in request asking for a new pin and indicated my concern of crossing this in the mail and provided my contact information. This is super frustrating and seems wrong that I have no ability to check on the request. What if I can never unfreeze my credit from this agency that holds all of my information and I have no way to contact anyone.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have never owned a XXXX XXXX credit card or bank account. i have applied numerous times including recently and have gotten denied each time. the problem is that a XXXX  XXXX credit card account is being reported by XXXX  XXXXXXXX XXXX XXXX XXXX and transunion. i have disputed numerous times and they keep sending electronic responses stating that it is verified accurate information. even though i have requested an original application, signature or proof that the account is mine as described in the FCRA. as of now i have not been furnished with this request. i have been disputing this for years and am being denied credit because this account shows as a delinquency and charged off.they only stated it was verified which was not my request. i have called XXXX XXXX numerous times to dispute they refuse stating its a verified debt.i requested my information and original application they stated the account was too old

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 2023-02-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraud charge on XX/XX/XXXX in the amount of {$3900.00} to XXXX XXXX XXXX TX Notified credit card company on XX/XX/XXXX at the same time that the credit card company notified me of the suspicious charge. New credit card was issued. 

Credit card company dismissed fraud dispute after claiming they were unable to contact me with additional questions. After searching phone records and emails i was unable to find any contacts from the credit card company. 

Re-Initiated Fraud dispute on XX/XX/XXXX. I was informed that I should make a police report of the fraud and was referred to this website by law enforcement.

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