BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2022-04-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received an email from what I believed was my escrow officer stating that I needed to send my closing costs to a Chase account. Chase is not helping to freeze this fraudulent account nor helping me at all. Please help- Im losing my the potential of getting my first home, my life savings everything!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XX/XX/2018 was loaned {$970.00}. paid {$2400.00} at 530.588 % APR XX/XX/2018 was loaned {$1800.00}. paid XXXX at 416.852 % I took the loans because when I went in both times the clerks say they will report to Credit agencies. 
Which I think is normal. What they did not say is they only report if the person does not pay the loan in full. 

They did not clarify that only people that don't pay are reported and when people apply. 

If a consumer is trying to re-establish credit and pay a high interest rate there is no benefit to the consumer for loans with other agencies. 

This makes the consumer to be able to borrow from the same creditor at a higher rate. 

They misinformed the consumer by saying they do report to credit agencies. I want the loan company to report I paid in full and as agreed.

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 2023-09-10
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I'm waiting for Wise to reply me back to my email that i sent today but i am not wasting anymore time, waiting for the results whether its good or bad news. I was recently promised a refund from my seller and the total refund im expecting to get is XXXX PHP = roughly around {$30000.00} however i sent the money through wise for XXXX XXXX and i need to have the full refund asap even though the seller agreed to send me the refund but she wants to do it monthly payment installment which i did not agree because it is not fair to me and my clients to wait additional months and who knows how long she will take to send me the funds and i dont have that much time. I sent the whole funds to her right away and i expect to have the refunds to me back right away and not through payment plan. I just hope Wise will agree to issue the refund and work with my bank to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: TX
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:
So I sent letters of to all bureaus on XXXX XXXX, 2002. Here is my tracking # for # XXXX XXXX. 
# XXXX  XXXX # Equifax XXXX. 
To remove personal information that I do not want on my credit report because of inaccuracies. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1

5 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 non-monetary relief
Consumer complaint received 2023-11-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been a Venmo user for over 3 years. I opened my first personal account with Venmo two years ago which I used to send money to family and friends and later on I went on to open a Venmo business account as I do Focus Groups to make a living making me an independent contractor however, I was not aware that I could not have two accounts and it was against Venmo policy. My business account was recently frozen with over {$900.00} in it and over {$200.00} in my personal account and I have spoken with more than one supervisor and I was told before an account specialists looked into my case that the two accounts would be combined contingent upon me providing my State ID.

As of now, I received an email from a Venmo account specialist stating I can no longer use there services and my funds will be held for 180 days ( 6 months ). I have no money for my bills and my electricity has been shut off because of this. I will be taking legal action against Venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: LA
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Yesterday I was at XXXX XXXX XXXX XXXX at XXXX XXXX  .Located in XXXX , it is outrageous how they can lie to customers without caring, I have a credit union loan approval, the seller XXXX and the manager said that the loan approval letter was false, that is a lack of respect and discrimination to my person, the manager told me that nobody could give me a loan. They wanted I use theirs bank to finance the car, the payment is double.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-07
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I filed for temporary PSLF in XX/XX/XXXX. Mohela picked up my loans in XX/XX/XXXX and counts stopped in XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were missing. I tried numerous times to ask them to recount and they didn't. Finally on XX/XX/XXXX, I was able to speak with a supervisor. She stated they were 'just missing like no payments were made. '' However, I made payments in those 4 years. I had automatic deductions from my bank account. She then left me a message on XX/XX/XXXX stating that she submitted an 'escalated spreadsheet to FFA XXXX on XXXX XXXX XXXX XXXX and to 'allow for about 30-60 business days for any adjustments. ' I called couple of weeks ago and the supervisor would not speak with me but relayed a message through a rep that they hadn't received anything. I checked my counts today, XX/XX/XXXX and nothing has changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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 canceled my credit card, after that I have a refund that XXXX  made me to receive on this canceled card and a dispute that the bank owes me a deposit 5 months ago. I contacted them several times and I go to the bank branch to try to resolve this and they never gave me a solution to receive this amount. Because I canceled my credit card, it does not make this deposit to my account.My first complaint after 3 months they sent me a letter saying they would deposit the due amount in my account but they never did that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: MoneyLion Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Applied for a loan of XXXX XXXX/XXXX/2020. I defaulted after being forced to change my bank. They reached out to advise me they will bring my amount up to XXXX then stated if I didn't pay they will bring it up to XXXX. I asked them why they are making it so high and they stated the other XXXX is credit reserved. They stated that is what I was approved for. I advised the m I did not want that amount. they said they know that's why the applied it as a credit reserve. This was reported as XXXX so far and has caused my score too drop by 50 points. I understand late fees but to add XXXX delinquent then what was used is crazy! I wouldn't to not mind paying what was OWED even fees but they have reported and XXXX balance difference and damaged by credit making ineligible for an apartment I needed to move to. They have already damaged my score an opportunities before I even had a chance to handle anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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:
I will file a complaint to you today to inform you I am a victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to complain to the 3 bureaus directly through this website. Here are the accounts that are erroneous in my file and need investigation : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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:
Please help me get a proper solution to this frivolous account that is continuously being removed and added back to my credit reports. I have made several attempts to dispute this debt via handwritten letters sent via certified mailed to the data Furnisher XXXX XXXX XXXX AS I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY and have not received a response or verification that this debt belongs to me. I have retained all documents of my actions thus far for proof and documentation. I believe this is a direct violation of my rights as a consumer per the NC FCRA. to deny my right to receive valid verification that this account belongs to me. I have previously disputed this account and have successfully been able to remove the account however it is just sold to another furnisher, or the current furnisher changes the name and updates or adds this account back to my credit file with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belongs to me legally. In addition, XXXX XXXX XXXX shouldnt be allowed to continue reporting this frivolous debt and the credit Bureaus are failing to properly investigate the information being reported. This fight or battle to fix my credit so that only accurate information is being reported has caused me mental and physical health issues and restraints. I am reaching out as a final result before seeking other solutions. This information needs to be removed from my credit files because it can not be verified and continues to report and update inaccuracies on the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: MI
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX ACCT # XXXX Amount : {$2200.00} Date Opened : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  # 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 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 2022-11-19
Company: BlockFi Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
BlockFi froze all withdrawals on or about XX/XX/2022 in response to XXXX declaring bankruptcy. Without any official notice, the company did not allow assets to be made available. In the days following, there was little communication or effort to update customer/clients on the status of our funds. Pending transfers have stayed pending. The website was updated without warning to prevent use of many website/app tools. The official social media website references customer support accounts that appear to be fake or scams, encouraging people to setup illicit access and be out of their money. The phone services have been shutdown. Now XXXX XXXX XXXX or XXXX  of dollars are frozen and inaccessible. I have approx {$130000.00} that is locked out and stuck. Without any updates or information or a way to speak with the company. The company referenced XXXX licenses and regulation from state of New York, but none of that appears to be in effect or being enforced as a safety net for this exact situation. PLEASE HELP! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: VA
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. 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 non-monetary relief
Consumer complaint received 2020-10-04
Company: Experian Information Solutions Inc.
State: GA
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:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not 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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
DEPTEDXXXX ACCT # XXXX Amounts : {$3500.00} / {$6000.00} Date Opened : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 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 2023-09-07
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have applied for PSLF program and with all of my employers and time certified, in calculating MOHELA has simply left out months so the 120 months are not reflected. I have been contacting them for almost a year and I can't get an explanation or reason why nothing is being done. Also don't know status bc even the most recent certifications are not increasing the number of months which now far exceeds 120. I just want an answer and someone to fix.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation