BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account 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 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 2021-08-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The lending institution is Citizen 's Bank, XXXX, XXXX XXXX XXXX, XXXX, RI In XX/XX/XXXX, I made a {$5000.00} payment on my car loan with the idea of paying off the loan ASAP. My monthly payments had been $ XXXX monthly. After, the {$5000.00} payment, I later learned that my monthly payments were reduced to {$58.00}, instead of continuing at {$160.00}, which made no sense. 

I had no inkling the payment terms had been changed until I called last week. I expected my balance to be close to being paid off due to the {$5000.00} payment and monthly payments of {$160.00}. I never changed my terms, never requested that my terms be changed nor did the bank inform me that my terms had changed from {$160.00} to {$58.00} dollars monthly. 

I spoke to a manager, XXXX, on XXXX XXXX, XXXX, Ref. No : XXXX and XXXX, on XXXX XXXX, XXXX, Ref. No. : XXXX. 

I calculate that {$1200.00} should have been paid to my loan had the bank not messed up changed the payment terms from {$160.00} to {$58.00}. I want things corrected. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Dave Operating, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
This company has continued to view my bank information although I have informed them they have no right or authority. I have asked several times to disconnect my bank account and was told the only way they would is if I request another loan. I wrote support XX/XX/XXXX, as well as XX/XX/2022 and management has continued to neglect my emails failing to respond back. I have spoke with XXXX, XXXX and XXXX. XXXX is where my problem began. She told me she can not help me unless I wanted to borrow more money. 
XXXX has confirmed they do not work with my bank, and I informed the company I would like them to stop attempting the verification. The agents on chat has been instructed to give me a rebuttal script and continue to acknowledge my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
paypal is a fraud company they stole my money that I have received as donation to my paypal fundraiser they just withdraw all credit to themselves without even sending me a notice about it on the phone they hang up impossible to email them. they have taken away the email option I created a paypal fundraiser that was approved by paypal ( photo attached ) all the sudden it got blocked so I could not access my donations IT WAS A PAYPAL FUNDRAISER TO RECEIVE DONATIONS IN ORDER TO BUY A NEW CAR! WHICH I NEED FOR MY WORK! 
AND NOW THEY JUST STOLE ALL MONEY ALTHOUGH I WAS TOLD IT WILL BE PAID OUT AFTER 180 DAYS THEY OWE ME XXXX USD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-16
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:
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2023-03-10
Company: Resurgent Capital Services L.P.
State: OH
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 received a notification today from my credit bureau regarding a collection that went on my credit profile. I did not do any business with this merchant. This account is fraudulent or belongs to someone else. 
please remove this fraudulent account from my credit report. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: TX
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 reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : 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 2023-02-14
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX a Debt collector disclosed my debt to a family member via text message with a link to my debt. I got the same text on the same day, but can't understand why they would send to my friends or family members. Even though I've only had 1 phone # the last 10+ years. This is bad business practice.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Reporting company used your report improperly

Complaint:
I received a copy of my Transunion credit report and am disputing some inquiries that need to be deleted. I have listed the account, the opening date, and account number in the attached document.

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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have viewed my credit report and noticed inquiries that I did not do. I have written to each bureau numerous times and they have not removed these unauthorized inquiries.

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 2023-04-25
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:
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.

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 2017-03-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My 5th 3rd Bank account has been hacked and I have notified them about the breach. This continues to happen after I went into the branch to state I have no online account and nothing is to be transferred out besides my mortgage payment. You see the Bank forces me to keep an account there because I took out a mortgage with them. That said, I complained to the loan officer while doing my loan paperwork that she is sending my private information through unsecured emails. I asked if they have secure email and she said yes and I said I do n't need a password or anything like with other Banks? 
No not at all, my bank records, social security number birth date and address all out there with no protection. Since then I have had my XXXX acct hacked and 5th 3rd twice and closing the account tomorrow. I called 5th3rd corporate office in OH only to find out they do n't have any compliance department and I mentioned the CCO 's name and she replied " I have no way to contact him or his department. 
I understand there are rules in place within the Gramm-Leach-Bliley Act that are not being observed by the Bank. I really need some help dealing with the Bank. 
p.s. The documents I provided to the Bank were emailed through a secure encrypted email system much like other Banks use. Opening it would require a password.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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:
I am refiling this complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be deleted from my files.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have sent in dispute letters on several different occasions asking the credit report bureau ( Equifax ) to mail me out documentation that shows that XXXX accounts belong to me XXXX XXXX XXXX, XXXX and have not received documentation. The first dispute letter I sent was in XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 in which I have n't received anything in the mail but can log into the Equifax dispute center online and was able to review a letter from Equifax stating the account has been verified but with no documentation listed. I have mail out dates starting back from XX/XX/XXXX but yet to receive anything that states this is my bill and should be on my credit report. I also called and spoke with a representative that advised me that the accounts were verified over the phone with account holder and I thought that 's not how an account should be verified, I need some assistance with this situation because I am being ignore by Equifax and need documentation to prove that the account has not been verified by the bureau ( Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
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: Account information incorrect

Complaint:
A collections account for XXXX XXXX is showing on my report. The collections agency has failed to provide validity of debt.

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 2023-06-23
Company: Continental Finance Company, LLC
State: MI
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:
My XXXX  credit card bill is {$550.00} my credit limit is {$300.00} and I have not used the card in over 8 months. ( Part of the time I was suffering from XXXX and was unable to keep up and I believe that the company took advantage of this fact. ) The over the limit information is being reported negatively on my credit report along with inaccurate information about payments being late. XXXXContinental Finance refuse to resolve the issue and I have tried numerous time to do this. Even though I requested duplicates of my bill for verification of the facts the company never provided me with them. 
Payments have been misapplied since XX/XX/2023. I made contact with the company several times in XX/XX/2023 and XX/XX/2023 and XX/XX/2023 trying to get the issue resolved. I complied with their request, made additional payments and supplied specific information regarding my bank account. to prove that the money was available for my payments. 
In addition in XX/XX/2023 I attempted to make yet another large payment to bring down the balance and requested that they waive all over the limit and late fees due to the circumstances the representative for the XXXX XXXXContinental Finance that claimed to be a supervisor, refused to process another payment over the phone and stated for me to wait for customer service to contact me with the resolution as they asserted that payments were returned by my bank. I waited and they never contacted me. 
Again I attempted to go online to make a payment and my information could not be found, I called in to the XXXX XXXX and was told at the beginning of the call that " THIS IS AN ATTEMPTTO COLLECT A DEBT! '' I requested to speak with a supervisor, the rep put me on hold and returned and stated I'm sorry your account has been sold! 

I told the representative that I did not want the account sold and that I would pay and I have been on hold for 55 minutes. As of the submission of this complaint no one of the XXXX staff has come to the phone to address my concerns.

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 2016-03-31
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received several notices in the mail at my home for a debt belonging to a person by the name of XXXX XXXX XXXX. I contacted the debt collection agency on several occasions as I receive these notifications every six months. The name of the agency is Collections Unlimited TX Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX TX XXXX phone number XXXX. Each time I receive the notice I contact the agency inform them that I 'm not the person they are looking for and I have never lived at the address which is associated with the debt they are trying to collect which is XXXX XXXX XXXX XXXX. each time I contact the agency they say that my address will be removed and I will not receive any additional correspondence from their office and again six months later I am following up with them to try to resolve the issue this has gone on for the last 3 years. I think I have been extremely tolerant up to this point and now it is getting a little annoying, any assistance you could provide would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been contacted multiple times by a collection agency that goes by XXXX separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in north XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a XXXX. Attached are my letters my Ftc partner told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid to Macy 's {$21.00} back on XX/XX/2019, this payment would had bring the balance on account # XXXX to {$0.00}. But they applied the paymeny to a different account #, which is XXXX. The payment was made electronically, trough XXXX XXXX XXXX, from my checking account ending on XXXX, credit trace # XXXX.

Payee name : MACYS Payee address : XXXX XXXX XXXX XXXX OH 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 2022-08-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was trying to buy a car and they used my information improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX  AND EXPERIAN HAS ACCOUNTS ONMY CREDIT REPORT THAT ARE NOT MINE/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