BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: TX
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 am having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have solid proof that the breach caused these false items to appear on my report. I also contacted the company regarding the account below and they have failed to validate this account. You are reporting negligently and inaccurately and failing to comply to the FCRA. XXXX and XXXX have since removed this account. I demand that these items be deleted immediately and updated. I also demand that you send me a credit report with the updated changes within 30 days. Please see the attached data breach claim and the dispute letter which is dated, and time stamped. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: PA
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'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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello : VENMO has confiscated more than {$11000.00} of our duly earned legal fees money even though the client XXXX XXXX and his XXXX XXXX XXXXXXXX XXXX signed a retainer agreement contract, duly paid legal fees over time, and currently owe a legal fee balance of more than {$4000.00} as per the attached. 

Please see the attached ( 1 ) signed retainer agreement contract authorizing payment, ( 2 ) detailed billing invoice and account stated, as well as ( 3 ) a legal memorandum of law outlining what we did for this individual and his family members who kept paying his legal fee payments and bills. 

He currently owes us more than {$4000.00} in outstanding legal fees. 

Thanks, Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan from OneMain Financial , Inc AKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX while going through divorce then became ill. I had XXXX which took time to recover, no work no money. I did not notify the company since I thought I could catch up later. The company has to date never provided a Default Notice or Warning letter to my address ( Lawyer has the address ). Oddly I received a summons with " ALIAS '' stated on the summons in  handwriting. My name was hyphenated when I was married ( I suppose it's not okay for males, they get branded with Alias by rich 1 % financial companies ) this will be shared to social media. The courts have since restored my name and the loan company agent ( Lawyer ) feels the need to criminalize my LEGAL NAME CHANGE BY CALLING IT ALIAS, I DO NOT AND NEVER HAD AN ALIAS. I moved yet the summons managed to locate me which indicates they always had my address. Strange, so why haven't I received any correspondence ( ie Warning Letter or Notice of Default ) from the loan company? This rich loan company managed to find a lawyer to drain the blood from me while struggling, yet can not send a notice and warning as required by law? I have in my possession the loan companies own agents ( Lawyers Summons ) on letterhead indicating they knew/know my whereabouts and went straight to summons. No Warning or Notice of Default are in the summons. Now I am to appear in court or face a judgement caused by a stacked deck in favor of the 1 % rich company. This is harassment and I intend to counter sue the company for violations of the FDCPA. However, to avoid all the back and forth, I would still be willing to work something out with the extremely wealthy 1 % loan company AWAY FROM LAWYERS. I write this complaint to make this a matter of public record. And I will fight back if necessary. I will retain counsel and file countersuit within 5 days. I know my rights under the FDCPA and I have no intention of allowing any company to ruin my name. I await the reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Reporting company used your report improperly

Complaint:
I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2023-10-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
After I noticed that I was being charged an outrageous interest charge of 24.99 % on my XXXX XXXX XXXX Citi Card ending in XXXX, I paid off the balance due on the card by making a payment of {$1800.00} on XX/XX/XXXX  which left a balance of {$0.00}... 

As if the usurious 24.99 % interest rate being charged on the money I owed on this card wasn't enough of a disgrace for this thieving company, they fabricated a {$490.00} charge that I DID NOT OWE, applied a 24.99 % interest rate to this fictitious {$490.00} charge and showed that I owed these thieves {$10.00} for the {$490.00} that XXXX XXXX XXXX Citi Card fabricated. 

Not only is this company engaging in predatory lending practices by charging 24.99 % interest, but it is also engaging in outright fraud by fabricating fictitious charges after my card was paid off and applying their predatory 24.99 % interest rate to the fictitious charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Once again CashApp arbitrarily and capriciously blocks our ability to earn money by blocking our law firm clients from paying us. See the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Social Finance, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was frozen about a month ago and the way I found out was via the message on top of the bank section of the app. It asks me to contact the fraud prevention team to resolve the matter. I have left several voice-mails between every few days and no one has returned any of my calls. Any attempts to reach someone through the Sofi app  have resulted in being automatically redirected to the fraud prevention team who has not returned my calls. I tried their online chat, the system automatically stop proceeding any further and asked me to contact the fraud prevention team. I tried their XXXX support direct message, no one responds. Calling for banking support personnel resulted me getting directed to leave a voice mail to the fraud prevention team then wait. Banking support said there's nothing else they can do. If they suspect something then they need to work with the customers on a resolution, instead they just sit on their hands and holding people 's money hostage. What if the money is needed to pay bills, and what if there's a emergency and the money is locked up and out of reach? Support need to initiate the call because it's people 's livelihood they are messing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: MI
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 am a victim of identity theft. Some is attempting to open accounts in my name. I have contacted Equifax several times and no assistance. I am sending this request again with my identification to have this fraud stuff deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my second time making this complaint on my own behalf. My name is XXXX XXXX and i was a victim of identity fraud. I was fraudulent inquiries and accounts attached to my credit profile. I have closed the fraudulent account and have a ftc report. In the report i included all fraudulent unauthorized inquiries and accounts. Ive also attached the report, my id, and social to this complaint. I am making this complaint on my own behalf. There is no third party included. 


INQUIRIES : XXXX XXXX XXXX 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 2020-06-09
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS continues to misapply funds to my escrow account despite my clear intentions on how funds should be applied. As a result of this they are showing a significant deficit in my escrow account. Furthermore, when I reached out to SLS I was placed in a call back queue and when I finally received a call back I was hung up on within 5 seconds of the call and they never reached back out to me. I am seriously frustrated with their handling of my account.

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 2021-10-17
Company: Paypal Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My account was comprimised and paypal did nothing to protect my money even after i reported it stolen and refuse to correct their wrong in the amount excess XXXX dollars and their customer service rep stated to me i wouldnt get my money back so just close the disputes, I did that and now they tell me i would of been accepted but i closed them so now i cant get my money back. I have been telling them for 3 months about these charges to no avail and XXXX, & XXXX " supervisors ' basically laughed at me and rejected me on the phone. i have 21 closed cases and 12 open currently and received XXXX  dollars back. i have over 50 unauthorized charges and its MY money im begging for. i can upload all of my documents to you but its sensitive info but it definatly exceeds XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/XXXX, my brother XXXX XXXX went to XXXX XXXX with his ex wife. She was trying to purchase a car. The salesman ran her credit and said she was denied. So they asked XXXX how is your credit? He said I am not sure. They got his Id, information, and ran his credit and told him they can get him approved for a auto loan in his name only. They asked him about his income and if he had proof of income. XXXX got XXXX and get a SSI check for XXXX a month. His only source of income. After he helps out with the bills he barely has money for a haircut. He gets food stamps. If he was to get approved for a car it should have been a used car under 8000.00 and with a XXXX month car payment. XXXX is XXXX XXXX as well. He is XXXX. He was presented with a good deal as the salesman said. A brand new XXXX more money for the salesman ). XXXX XXXX XXXX. XXXX was financed for this car@XXXX month. No one considered a debt to ratio for his car payment. And XXXX a month for insurance. I research and called 2 attorneys and was advised XXXX never should have been approved for this car. His income should have been between 1500.00 to 2000.00 a month at least. But his is only XXXX a month. I believe he was taking advantage of because 1 he is a minority and they wanted to put him in debt. Knowingly his income was too low for a XXXX car payment. 2. He has a XXXX and XXXX. He probably didn't understand. We have tried to help him much as possible with these payments that never should of been approved. I don't know of anyone with a Income that low that gets approved for a brand new XXXX. I want XXXX XXXX and XXXX XXXX XXXX  to make this matter right. If not we will seek legal advice and a attorney representation. Hyundai has damaged XXXX credit with reporting negative on his credit report. We want this revised to show good standing. We also want XXXX XXXX and Hyundai to refund all monies. XXXX was so depressed after he got this car. Worried about paying for it and keeping it. He ca. XXXX XXXX due to XXXX XXXX from his XXXX XXXX from XXXX. He went in XX/XX/XXXX and got a job. Hoping to keep his payments current. Stressed and worried from all the rude and consistent threatening phone calls. He got a job .but been so stressed out about his car on his 3rd day on the job he had a XXXX. Multiple XXXX, he been to XXXX. And is now on XXXX XXXX XXXX. Both entities play a part in his failing health. He never should have been approved for this car loan with his income. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had set up a payment plan for about XXXX with Harris and Harris online in XX/XX/XXXX as per their statement/letter dated XX/XX/XXXXXXXX  and on XX/XX/XXXXXXXX  they withdrew the entire amount from my checking account in the amount of {$580.00} causing my account to go negative. When I called on XX/XX/XXXX, they said a manager would call me back and today is the XXXX and I have heard nothing. I advised them that I want a confirmation of the payment plan online and they said they did not have that and they could not refund it. This is completely unacceptable that when I set up a payment plan and also called on that day to confirm it was set up and they withdraw the entire amount. I want them to refund this immediately and adhere to the original payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my second time making this complaint on my own behalf. My name is XXXX XXXX and i was a victim of identity fraud. I was fraudulent inquiries and accounts attached to my credit profile. I have closed the fraudulent account and have a ftc report. In the report i included all fraudulent unauthorized inquiries and accounts. Ive also attached the report, my id, and social to this complaint. I am making this complaint on my own behalf. There is no third party included. 


INQUIRIES : XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The auto loan in question is through XXXX XXXX XXXX. The vehicle was repossessed in XXXX of XXXX. It was then sold at auction in XXXX of XXXX. After repossession XXXX continued to report late payments to the account. I was never notified that the vehicle was sold at auction. I only found out through my credit report when late payments stopped hitting the account in XXXX. XXXX sold the vehicle for more than the loan amount as well. Additionally, the vehicle was charged off during the pandemic when I was already approved and on the pandemic forbearance plan that paused payments. XXXX still repossessed the vehicle and is now a YEAR AND A HALF LATER reporting it as a repossession with a balance still due. I have sent letters to the credit bureaus as well as XXXX asking for the removal of the account because of all of the inaccuracies. I have never received a response from XXXX and the credit bureaus will send a letter or email asking for additional time with no resolution.

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