BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns because there are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: MS
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:
This account was never charged off it was a secured card. I tried to fix this with Equifax and they refuse to do anything on the report after 2 letters. It was never late and sure wasn't charged off My attorney told me to file separate complaints on both and to add this PDF here so there is a record and 1 was mailed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 MA, Account # XXXX has violated my rights. 

15 US 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 an 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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : I demand that you delete the charge offs on my report from XXXX XXXX XXXX XXXX XXXX I also demand that all my late payments form XXXX XXXX and self get updated to paid on time. 

Thank you for your cooperations Sincerely, 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 2023-05-12
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, ITMm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Venmo did permanently limit my account on XXXX of XX/XX/ with the promise to release my funds 120 days later. however they keep my account locked! I can not add a new bank account to withdraw my funds. Venmo does not reply to my emails! it looks like they just fool people keep them waiting and hope that they forget about their funds! Venmo owes me {$1500.00} and I want my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account/inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 2022-01-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we hired an attorney to handle a loan document problem and he contacted our loan servicer asking for them to sign a document and return that document to him. 
This was for an application for affidavit of affixture. 
We found later that they would not be the party to sign the document and other avenues were pursued to completion. 
Meanwhile the loan servicing company SP servicing, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, changed our mailing address for our loan to the attorneys address. 
The letter he sent did not ask for that to be done. 
Our XXXX, 2022 and our 1098 statements all were sent to his address. 
I contacted customer service and spoke to XXXX and she indicated she would change it back. She could not tell me who made that decision to change the address. 
I also sent an email to their ombudsman department and cc 'd our attorney. 
I want this on record that their practices of doing things like this is heavily recorded with the XXXX XXXX XXXX 
When we were first transferred to them for servicing our loan, we sent additional principal and they placed it in a holding account, even though we were not late nor had ever been late. I had to call then as well to get this applied to principal. 
We do not have anything in our loan preventing prepayment of principal. So unless we had outstanding late fees, it should automatically go to that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED ACCOUNTS, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP. THANK YOU.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I did not make an inquiry with Transunion for mortgage services, and have gotten about 100 ( literally, happy to provide logs if that would help ) phone calls from mortgage brokers, multiple of which have stated they got the information from Transunion. I did NOT give Transunion permission to share my phone number, nor did I give Transunion permission to even have my phone number to begin with. 

I would guess Transunion is abusing their data, when getting a credit inquiry about a mortgage, and then turning around and selling that private data to other companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Continental Finance Company, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This company continues to delay my payment processing I never update my account reports incorrectly etc.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Yes, we communicate by phone XXXX times!

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 2023-01-27
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I open a mortgage with XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, CO. The house I bought was appraised for {$580000.00} on XX/XX/22 and I purchased this home on XX/XX/22 for {$400000.00}. My parents owned the home before me and gave me {$170000.00} equity in the house. This resulted in 69 % equity. The mortgage was then sold to Dovenmuehle who uses a 3rd party company for their customer service, XXXX XXXX, and they will not let me talk to anyone at Dovenmuehle. I'm trying to get them to drop my MIP or mortgage insurance premium. I am well below 80 % of the loan value on my principal I owe and I came to the table with over 20 % equity. I have even hired an attorney and they haven't responded to the letter he sent. The mortgage company knows I won't refinance because the interest rates have gone up so much and now they can control my payment when I shouldn't have to pay mortgage insurance. The reason for mortgage insurance is to protect the mortgage company in case of default and there is no risk to them when I'm at the equity position I'm in. I have even paid Devnmuehle to do another appraisal and they haven't done anything. That money is sitting in escrow. I am desperate for someone to answer me and help me remove mortgage insurance. I pay my payments on time and I fell like I'm being taken advantage of since the mortgage amount and the appraisal are where they are. I have talked to them probably 10+ times and get no where but to email someone and I have received one response saying something like I would receive a letter. I never talk to the same person and I'm not even talking to Dovenmuehle. Is there a way to talk to someone at that company to help me? Anything you can do would be very much appreciated and I can supply all emails and the attorney letter. Thank you, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following inquiries on my Trans Union credit report were not authorized by me. Please have them remove asap, as they are adversely affecting me. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-09-15
Company: Conn's, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Conn 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until Conn 's update my credit report or send the letter so I can provide that to my lender for a Rapid rescore.

I 've also disputed this account, after the account was settled Conn 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called Conn 's more than 4 times a week for the last 6 weeks with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-12-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a victim of account takeover fraud, once I realized what happened I immediately called USAA on XXXX, the dispute was opened, and investigation began. On XX/XX/ a provisional credit was issued in the amounts of {$2500.00} and {$1900.00}. 
USAA failed to promptly provide written disclosures to the consumer summarizing the consumers liability for unauthorized EFT 's, failed to provide means to identify the consumer to whom the access devise was issued, failed to provide the telephone number and address for reporting that an unauthorized EFT has been made. 
Per the EFT Act, the financial institution was notified 1 day after the unauthorized electronic transfer and a representative from USAA identified that the device that was used to complete this unauthorized EFT was in fact an android phone, which they were also able to see that the consumer who holds the account at USAA is not an android user. 
The consumer also filed an FTC report for identity theft as another precaution. USAA has refused to take responsibility for the account takeover fraud and has deemed the consumer liable for the unauthorized ETF. The consumer has done business with USAA in good faith for over 12 years. The consumer has been harmed by losing faith in the financial institution put in place to protect their nonpublic personal information and their money. 
The EFT Act protects consumers from situations like this under Section 205.6 Consumer Liability & Error Resolution. It states that the extent of the consumers liability is determined solely by the consumers promptness in notifying the financial institution. Other factors may not be used as a basis to hold consumers liable.

USAA is holding the consumer liable for {$1900.00}. The reversal of the provisional credit has placed the consumers account in the negative and has put the consumer in a vulnerable state. I am in great turmoil and now Im in a financial crisis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
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:
Venmo has frozen my account with {$1600.00} half a year ago! 
they send an email claiming that I can wtihdraw my frozen funds but their system still wont let me add my new bank account. 
on XX/XX/XXXX venmo emailed me that I should upload my ID and a bank statement of my new account. I have provided the requested documents but ever since Venmo stopped replying to me and like usual they refuse to let me add a new bank account! 
please help me. legal action must be taken against this fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  bank XXXX Bank XXXX Information is not accurate on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation