BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I check my reports ever month. This month my Transunion report dropped me from a score  XXXX  to  XXXX . All the factors such as debt used, payment history, new inquiries, etc. were the same as last month. I spent over an hour on the phone with several people at the agency but got nowhere. The say they have different information and score but wo n't tell me any of it unless I subscribe to a {$9.00} monthly service. They can not tell me why they dropped my score by  XXXX  points and my factors changed this month or which ones did. Bu contrast  XXXX  has the same info and a score for the last year and still this month of  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 2017-05-15
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:
Fraudulent account. They have stated they ca n't find the reference account in previous complaints yet it 's still being reported to Experian as erroneous information and violating the FCRA.

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 2023-07-13
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, 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. 

FAIR COLLECTIONS AND OUT Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-15
Company: EQUIFAX, INC.
State: NC
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:
A dispute was initiated with Equifax in  XXXX / XXXX / 2017 . I received notification on  XXXX / XXXX / 2017  that the investigation had been completed. On  XXXX / XXXX / 2017  a weekly  XXXX   XXXX  update took place and it stated that  XXXX  derogatory marks were removed ( judgement & bankruptcy ) then it stated that a derogatory remark was added ( bankruptcy ). Per the notes it showed where Equifax had removed the bankruptcy that was previously disputed, but turned around and added it right back, which caused a negative impact on my credit score. I contacted Equifax on  XXXX / XXXX / 2017 , and was on the phone for over an hour with several different representatives and received no help and no resolution to my issue. I was continuously advised that their systems did not show where the bankruptcy was removed, and that they did not know how or why it was reporting as so on  XXXX   XXXX . At the end of the day the derogatory remark is still on my credit file and I have been penalized twice because when it initially hit my score went down then when they removed it and placed it back it received another hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took loan out months ago made installment agreements. 
In last 2 days I have received 5 emails from a supposed attorney threatening and harassing me to pay up. According to her the only way to pay was via a XXXX XXXX card? Can you say red flag!!! When I didnt respond to her threats she got worse by threatening I was going to be arrested for fraud my ssn was going to be held the irs told and my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Paypal Holdings, Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In early 2022, I helped organize my best friend 's party. No questionable activity happened. After receiving funds from a variety of parties, Venmo randomly permanently banned my account and gave me no recourse to either access the funds in the account or resolve any questions about transactions they were unhappy about. When trying to resolve the issue, Venmo appears to purposefully not provide any meaningful support so solve the issue. I've reached out to support agents, and have opened a ticket number with them, but haven't gotten any meaningful response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX I was in the XXXX XXXX XXXX my mortgage went delinquent. XXXX contacted me telling me i qualified for a loan modification. XXXXTHEY DID NOT INFORM ME OF COVID RELIEF OPTIONS. ******** I WAS NOT INFORMED THAT I QUALIFIED FOR COVID FOREBEARANCE OR ANY ASSISTANCE PROGRAMS. ******** ANY ATTEMPT TO SPEAK TO EXECUTIVE OFFICES OR PRESIDENTIAL UNITS WITHIN THE ORGANIZATION HAVE BEEN IGNORED. TO DATE I HAVE BEEN CONTACTED VIA PHONE ONE TIME. I WAS TOLD SIMPLY TO FOLLOW UP WITH MY ONLINE COMPLAINTS AS SHE COULD NOT HELP. XXXX is not FCRA compliant as they are violating item II ; A ; 5. " Considering the potential impact of the furnisher 's policies and procedures on consumers. " XXXX is not taking the time to investigate the situation and provide a fair resolution. XXXX to date has not researched my issue- they keep responding with the same generic responses. I was not advised of covid relief options. i was not advised of my qualification for multiple programs although XXXX was aware i was impacted by covid. XXXX was operating off of a denied modification package from fall XXXX and did not take the time to note the account accurately that i was having a second life event caused by XXXX.I have XXXX discharge papers i am willing to provide as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TD BANK US HOLDING COMPANY
State: MA
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 checked my credit report & I found that I had XXXX unauthorized inquries on my report, one from XXXX, one from XXXX bank, and the last one being from TD bank, I never made nor authorized any of these inquries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Bridgecrest Acceptance Corporation
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 ordinance with the Fair Credit Reporting Act, Bridgecrest account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 SC 1681 section 604 A 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2018-02-24
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations  committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the  alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party to the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: Information belongs to someone else

Complaint:
Im submitting a complaint again to you today to inform you I was the victim of identity theft. This is my follow-up complaint prior to my previous attempt dated XX/XX/. 

The accounts I am challenging are erroneous and misleading. I need those accounts removed ASAP. 


Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX .... Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Professional Debt Mediation, 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:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am very sorry, but the problem related to case  XXXX  has not even been remotely resolved.     Citigroup offered a $  XXXX  credit card to a person without an income, means to prove an income or the capacity to contract due to an  XXXX   XXXX   XXXX . This person is my wife and their they are flat out not stating what has transpired in their statement.     This is their statement.   " I sent a letter to  XXXX   XXXX  to advise him that we are unable to disclose any information about the account with a third party without a valid POA. I advised him to send us a certified copy of the document assignin g him POA for his wife in order to investigate this matter further. '' None of this is true.        1. They have never sent me a letter. Do they have proof of this? No, they do n't.
2. I spoke to them and they said they could not speak to me, so I asked them to simply send my wife a letter then, and she would talk to me about the contents of the letter.
3. They never sent me wife a letter, they never sent me a letter. We have had zero c  ommunication on this matter.     The issue here is th at Citi is a  predatory lender. They allowed someone with no income or means to have a $  XXXX  credit line with no verification of anything, such as an ability to repay this money.     Sorry, but this is not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I have divorced and decided to sell our home. We have buyers who have decided to assume our loan and we are currently under contract with them. We filed our assumption request with Amerihome XX/XX/23 and have received zero communication from them. Our buyers have yet to receive an application. We have called multiple times and sent multiple emails trying to ascertain the status to no avail. This is ridiculous and shouldnt take this long. Our buyers are behind frustrated and weve had to push the closing twice now. They are ready to throw in the towel! Please 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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/XXXX I sent a letter to TransUnion requesting they investigate the hard inquiries that I did not approve on my credit report. I have not heard back from them. 

Please remove the following hard inquiries from my consumer report : XXXX XXXX - XX/XX/XXXX ( this is up here twice which is illegal. ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX And any other hard inquiries as I have not approved any.

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 2022-04-27
Company: EQUIFAX, 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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERALAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

XXXX XXXX did not give me any information on opting out of reporting to the Credit Bureau's.I would like all information on my credit report from XXXX XXXX to taken off.

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