BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
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:
My name is 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 Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

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 2023-07-04
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone hacked my PayPal account and over a period of several months beginning in XXXX of 2023, fraudulently transferred money from my PayPal account to a bank account at XXXX XXXX XXXX Bank that was not mine. 

There were XXXX transactions totaling over {$1000.00}, of which the last XXXX or so apparently did not go through for reasons that I do not know. I then received an email on XX/XX/XXXX that the bank account was removed from my PayPal account due to the transactions not going through. This was the first email notification I received from PayPal regarding these transfers during this entire time period as I had received no notification of the account being attached or the money being transferred. 

On XX/XX/XXXX I called PayPal customer service regarding the unauthorized transactions. The first person I spoke with flagged them and opened a dispute for me. The dispute, however, was closed within an hour and I received an email stating that the transactions were not unauthorized and therefore there was nothing PayPal needed to do. This is absolutely untrue, I have never had a bank account at that bank, nor did I ever authorize a single transaction to that account or receive any notification of them even happening. 

I immediately called customer service again and this time the person I spoke with insisted that this was not their fault, and they had no responsibility, and that I should call the bank, despite my insistence that the bank would not help me given that I did not even have the account number. 

I called a third time and spoke with someone named XXXX who said he would appeal the dispute and activate fraud protection, but I have seen no evidence that any action has been taken. 

The remaining XXXX transactions totaled to {$930.00} and PayPal is refusing to help me to recover this money that was stolen from my account due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is repeatedly calling 5-6 times a day and I have told them not to contact me. They have called my work for the second time to try to collect the debt and I have already told them to stop calling me at work and various times at my phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: NJ
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 regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit, I have reached out to the establishment and reporting credit bureau frequently to have this file investigated and handle accordingly on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Disputing and submitting supporting documents that the property for this account was surrendered in XXXX  XXXX bankruptcy filed XXXX XXXX.To later be informed XXXX after per XXXX XXXX XXXX XXXX that they did not have a deed in lieu on file is ridiculous being that the property was surrendered through bankruptcy which was on file.This file has yet to be updated accordingly.

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 2018-04-18
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
ON XXXX XXXX2017 A SAVING ACCOUNT WAS OPEN WITH MY PERSONAL INFORMATION WITH AN ACCOUNT NUMBER ONLINE WITH NO IDENTIFICATION FROM MYSELF FROM A THIEF THAT USED MY PERSONAL INFORMATION ON THIER COMPUTER IN XXXX   ANOTHER COUNTRY WITH A UNITED STATES ADDRESS ( MY ADDRESS ) BY ALLY BANK IN THE UNITED STATES. CREDIT BUREAU WAS NOT PULLED BECAUSE IT WOULD HAVE STOPED THE TRANSACTION BECAUSE I HAVE A BLOCK ON ALL THE CREDIT BUREAUS. THIS IS A FAILURE ON AN US BANK TO ALLOW ANY ONE BEHIND A COMPUTER TO USE MY INFORMATION WITH OUT PROPER IDENIFICATION OF WHOSE APPLYING FOR A ACCOUNT! THIS IS AGAINST THE LAW HERE IN AMERICA TO OPEN A FORIEGN ACCOUNT ON US SOIL TO TRY MAYBE TO SHELTER MONEY OR LAUNDER MONEY TO OTHER COUNTRIES! THIS FAULTY PROCEDURE OF ALLY BANK HAS BREACH MY IDENTITIY FOR A PROFIT WITH OUT THE IDENTITY FOR THAT SALE. THE COMPANY REFUSED TO SENT ME THE DOCUMENTATION THAT WOULD VERIFY THAT THE ACCOUNT WAS LEGAL BEFORE THE ACCOUNT WAS ESTABLISHED WITH THIER ONLINE BANKING PROCEDURES THAT SHOULD HAVE BEEN FOLLOWED BY LAW!

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-07-04
Company: ROBINHOOD MARKETS INC.
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Once again, my account with Robinhood Bank has been blocked. Despite my previous dispute with the Consumer Financial Protection Bureau ( CFPB ), they decided to deny me the ability to live off my assets. Additionally, I have been restricted from accessing my account once again for reasons that I do not understand. I have complied with all of their requests. The actions of the company 's Associates have adversely affected my life and I have informed them of my suffering. Furthermore, I am traveling overseas, and they have deliberately denied me access to funds. The account is used to make a living to cover my living costs due to the increase in inflation. I am entitled to access my account assets, which are used to trade securities. As of right now, I have not been able to trade and make money. Please understand that I reserve all of my rights and do not understand what their policies are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-08-06
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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$440.00}

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 2023-10-18
Company: EQUIFAX, INC.
State: NY
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:
In XX/XX/XXXX I opened a New lease with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX for a 36 month lease. In XX/XX/XXXX I traded this car in for a new car. The new dealership paid the remaining balance I had for my monthly lease payments directly to XXXX. I received an end of lease liability statement from XXXX for mostly Excess Mileage and taxes. I went over in mileage an extreme amount. I started making payments immediately in XX/XX/XXXX. I have statements from XXXX for XX/XX/XXXX & XX/XX/XXXX showing I made payments. I was having a hard time financially make my XXXX XXXX payment and making a monthly payment for the mileage. I called XXXX in XX/XX/XXXX asking what my options were, they brought up to me about making a Settlement for less than what was due and that would satisfy all my obligations. I agreed and made a payment for {$1000.00}. My account was closed, I requested a settlement letter. Later on in XXXX, I pulled a credit report and saw that it indicated under payment history I made 1 payment that was 30 + days late & 1 payment that was 60+ days late, and used the word Potentially Negative in Bold Red on the Credit Report. My lease agreement and obligations for the 36 month lease was paid in full. I contacted XXXX in XXXX & XXXX. I asked them to remove the " XXXX '' late payments from my Credit Report and any Negative terminology. The letters from XXXX indicate " XXXX '' late payments. My credit reports were not updated to reflect the accurate information. Anytime I apply for a loan, credit cards or Mortgage my payment history is being evaluated, and it impacts my credit score more than any other factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Conduent Incorporated
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
This makes the 3rd complaint I have made about setting up the direct deposit on my way2go card. I am unable to do that. I file a complaint a person calls me back and tells me that she ( XXXX ) is not able to assist me. That she has to file a web support ticket and I have to wait on someone to call me back. I was told this same thing back in XX/XX/2022 when I originally filled the complaint never received a call. Here we are again today with the same thing. My issues is not resolved. I am going in a circles with this company. I was told by XXXX that she does not have to follow up with me. After she has filed the compliant she said someone is supposed to call me back within 24 hrs. If they do not she will file another form and go on from there. But she is not able to assist me. 
My problem is I am trying to set up the direct deposit and this is the complaint however I get people that call me back that can not assist. 

If this issue is not resolved within the next 7 days I will file a complaint against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
TransUnion has listed 14 phone numbers on my credit report that I do not recognize. I requested on XX/XX/2023 to have this fraudulent information removed and they refused. Listed are the phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( 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 2021-03-30
Company: Experian Information Solutions Inc.
State: DC
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 XX/XX/2020, I received an email from XXXX XXXX XXXX XXXX XXXX that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued. ( see copy of email attached ) In spite of this notice, I made a payment that was posted on XXXX/XXXX/2020 and another on XX/XX/2020. ( see statements attached XXXX However, XXXX XXXX XXXX NEVER sent me a new card in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a XXXX status on my credit report for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the creditor, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, on XXXX/XXXX/2020, I received the new card that the email stated that I would receive automatically. 
I have disputed this information several times through the credit bureau. I have even filed a XXXX XXXX. XXXX see their response attached, which had some discreptancies ) The creditor refused to assume any responsibility for THEIR data breach, lack of communication on current account numbers and reissuance of cards and THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this XXXX LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
All documents proving these statements are attached. 
I am making this final attempt before pursuing legal matters stating how their errors is damaging my future.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-03
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 is missing that should be on the report

Complaint:
I am an authorized user on the attached XXXX XXXX XXXXXXXX credit card - I want this to accurately report to my credit report. 

Attached to this complaint are : - My drivers License - My social security card - My address - My XXXXXXXX XXXX  XXXX credit card that needs to report accurately

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 2023-03-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Over 60 days ago, I sent letters to the XXXX major credit bureaus and till this day I haven't been notified about this investigation. I would like this issue treated immediately. This is affecting my financial situation while I am currently enrolled in school. Please resolve this issue, I do not want to have to pay more money than I need to as a student. I need every penny. I will file for litigation if I have to.

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
MY INFORMATION WAS USED IN A DATA BREACH CAUSE I HAVE NEVER USED THESE ACCOUNTS OR FILE BANKRUPTCY

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX I re submitted an online dispute for a second time asking TransUnion to please update the late payments to paid as agreed never late.Between XXXX my student loans was in forbearance and deferment during the years TransUnion has listed as being late, I also asked for proof of statement showing late payments which I never received. I also asked how can I be in good standing in XX/XX/2017 and XX/XX/2017 Im 90 days late?. But instead for the second time XXXX XXXX results they investigated the information I disputed and updated : Date Updated; Last Payment Made ; Maximum Delinquency ; Rating. Which wasnt what I disputed even thought the dispute process online is difficult. I made sure to put in the comment where they ask why I am disputing this item again what I was disputing and the purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX  VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

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