BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
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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 2021-01-01
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX received letter from collection agency, MRS BPO LLC, that I owed an overdue debt of {$780.00} to a company called XXXX XXXX. I attempted to call MRS BPO LLC at XXXX but disconnected the call as they wanted my social security number. I mailed them letter disputing the validity of this debt on XX/XX/XXXX. Their letter stated that I had 30 days to respond to this letter to dispute validity of debt. I called this number again on XX/XX/XXXX and left information but was not able to speak with anyone. I called XXXX XXXX on XX/XX/XXXX to dispute this debt. I have never used XXXX XXXX. They did verify that the address on the account with them was not my address. They took my information and said a representative from their company would call me back. XXXX XXXX called me on XX/XX/XXXX and I was told to file a police report and a report at FTC.gov. Once I did this to send this information to their XXXX XXXX  at XXXX. I filed police report on XX/XX/XXXX. On XX/XX/XXXX received a degradatory against my credit filed by MRS BPO LLC.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: Self Financial Inc.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I closed my XXXX XXXX  account early- it was a special kind of savings account that you put money in per month, for a period of a year, being able to withdraw that money once the year was up. I asked for it early as I needed the money. They charge a fee for withdrawing it early which I was fine with, and I initiated the payout process and on XX/XX/XXXX, I got this message in my email : " We've electronically deposited {$75.00} into your XXXX XXXXXXXX XXXX XXXX  account ending in XXXX. Most people will see the deposit within XXXX business days. '' It is XX/XX/XXXX, XXXX days later, nearly XXXX weeks, and I have not seen that deposit yet. They refuse to offer any assistance and have not answered any of my emails. Apparently they are notorious for this, letting people close their accounts and then not making the payout. I am yet another victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On an attempt to balance my account I notice some unauthorized transactions and I've reported them however I'm very much disappointed with Well 's Fargo to have let this happen especially from merchant I've never done businesses with. 

Claim Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : 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 2023-10-31
Company: JPMORGAN CHASE & CO.
State: OH
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:
Someone tried to apply for a credit card in my name with Chase Bank. I contacted chase right away to let them know this was not me. They said they would not approve the card and remove the inquiry. this happened XXXX they still have not removed the inquiry and its XXXX XXXX. I have contacted chase XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/18 On XXXX, all the information was provided completely and accurately ; however equifax refused to provide my credit report. The report was denied with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: AK
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an agreement with the mortgage company to start payments in XXXX and credit score will not be affected. According to my Credit file/ report my credit score have dropped. This was not the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to XXXX XXXX XXXX XXXXXXXX on XX/XX/2023. Me and my fianc had a great time and I paid my tab and left. My fianc is actually working there as of now and almost lost the opportunity because there was a dispute put out on my charge of {$110.00}. I had not disputed anything and bar owner said this was something that I would have had to do manually, which is why my wife almost lost the job. I called MoneyLion and in fact they said I did NOT file a dispute and they have no record of me contacting them to file a dispute. With that said, they advised me they will put the dispute under investigation. They said it will be resolved within XXXX business days and I will be contacted but, after me contacting them numerous times and being hung up on after being put on hold for over an hour a few times. I actually initially contacted them the day I was informed by the bar owner and that was on XX/XX/2023. Here we are XXXX  days later and now Money Lion sent a notification to XXXX XXXX XXXX XXXX that they are taking them to court for this. I have taken time off my job and my wifes job is now at risk again. I have email proof from MoneyLion that they claim I didnt dispute this. I am having so many issue and need help. My username for the account is $ XXXX and my Complaint reference number from Money Lion is : 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 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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: AL
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:
On XXXX XXXX a unauthorized inquiry was made from XXXX XXXX I ask that it be removed. on XXXX XXXX a unauthorized inquiry was made in my credit profile I asked that it be removed in XX/XX/XXXX a unauthorized inquiry from XXXX was made to my credit profile I ask that it be removed On XXXX XXXX a negative closed account was reported to my credit profile this account is fraudulent and I ask that it be removed 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 XXXX 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 XXXX!!! 
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 consumer lam 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 2021-01-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I've been struggling to pay my bills since I changed jobs in XX/XX/XXXX right around the beginning of the Pandemic. Shortly after, the virus began and my hours were cut and I began to fall behind on everything. I was receiving some money but just enough to get by. I was anxious about not having enough money and I was receiving unemployment and then that was cut. I then learned my job at the XXXX  would end and I would not be able to receive unemployment because I was overpaid ( {$5000.00} ). I considered Bankruptcy I was going to Food Banks for food and hoping to hit the lottery. I was waiting for my XXXX from the VA to be reviewed but it was pushed back because of COVID. Fast forward to receiving funds after a year and trying to pay everything to catch up. I called XXXX XXXX  to try to negotiate a settlement since they advised my account was closed ; this occurred on XX/XX/XXXX. They told me no after a brief hold and possibly reviewing my bank info because XXXX XXXX  credit card is financed through Wells Fargo which is where my checking account is which I suspect they reviewed and impacted their decision with my account. Be mindful that XXXX XXXX is not the only Creditor I owe. They offered nothing in form of a hardship, so I paid {$1000.00} on my account. Today, XX/XX/XXXX I called to try to get an updated balance and verify the status on the account and ask for late fees, and finance charges to be removed, I was told no again. The reason was because I was given a courtesy removal in XX/XX/XXXX when my account was placed on pause for the Pandemic. So I stated that if a review was completed no other customer would have more than one removal of late charges on their account? I advised I would contact, CFPB, ATTY GEN, XXXX I was placed on hold again. The representative placed me on hold and I was told {$120.00} would be removed from the account bringing the balance down to {$1500.00}. I also confirmed the account is closed and the interest is still at 24 %.

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 monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to formally raise a concern regarding an error on my client 's credit report. My reports have been negatively impacted by an incorrect update to the payment date on a charged-off account, despite having settled and paid the account several years ago. 
I noticed that the payment date on the aforementioned charged-off account was updated on credit report. This update is inaccurate, as the account was settled and paid on. Due to this incorrect update, my credit scores have experienced an unwarranted decrease, which is causing significant distress and potential financial repercussions. 

Action Taken : Prior to reaching out to the CFPB, I attempted to resolve this issue directly with the credit bureaus. Despite providing evidence of the settlement and the original payment date, the error has not been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  XXXX XXXX website stated I can get a pre approval without affecting my credit score. This was not true and now I have 5-6 hard inquiries on my credit reports. I spoke with XXXX the Manager at XXXX XXXX XXXX in XXXX WA, on XX/XX/XXXX and he said that if I dispute the inquiries he wouldnt dispute back.

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 2022-04-15
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: Information belongs to someone else

Complaint:
Account # : XXXX XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2023-10-13
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My XXXX return was XXXX  deposited to my venmo account. Since the deposit my account have been frozen and unfrozen whenever theyve felt the need without any explanation. Ive called multiple times try to just release the fund because they are too difficult to deal with. Finally my account was frozen and deactivated recently with most of my account balance still held in the account. Ive called and emailed them attempting to get some sort of the money that was left in my account, but they just send the exact same emails over and over. There is a total of XXXX dollars left in my account and they are holding my money for rent as well as other bills and havent been kind about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank blocked my debit card permanently after I confirmed that 2 fraud payments from a company calles XXXX/XXXX weren't mine. I didnt want my card blocked as I was trying to unblock it to get home from work. I had 5 dropped calls from Santander, nobody would listen to my situation. Now without my debit card for a few days and I see the fraud payments still went through and Santander has not reached out to me once after 5 attempts of phone calls and an email. My telephone account is also blocked now for some reason. 
I also reached out to XXXX and they didn't help much, I emailed them back just asking what the charges were and they replied to me in all 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 2022-04-08
Company: Foris DAX, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Crypto.com emailed me a promotion back on XX/XX/2022. I would receive {$25.00} worth of CRO tokens if I direct deposited {$400.00} or more by XX/XX/2022. Per their terms, payout would occur within 21 days of the posted direct deposit. My paycheck posted on XX/XX/XXXX in the amount of {$400.00}. It has been well over 21 days and I still have not received the promotional payout. Please find attached screenshots of my promotional email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 never authorized, consented to nor benetted from the following accounts/inquires please remove the following within 4 business days pursuant to 15 USC 1681n - Civil liability for willful noncompliance : 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX XXXX Inquries : 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 2023-10-19
Company: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: MS
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation