BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I faxed, emailed, and uploaded all of my information regarding the Identity theft as instructed by the CFPB and none of the bureaus have responded AT ALL. Transunion sent me a letter refusing to do the investigation alleging that I wasn't me! even though I followed the FCRA instructions to the letter. I called Transunion and it turned into a sales pitch to buy there protection or their monitoring service. This should be illegal I read and learn how to follow the proper channels and the decided that unless I pay for their service Im just stuck by definition this is extortion. The big 3 bureaus have an immense power and they seem to have no police except YOU the CFPB. I need these bureaus to follow the rules and not just decide that they are not going to investigate because the form I filled out and the letter I wrote came from the internet. I choose the words that the FCRA said I should use, What is a consumer to do?

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 2023-11-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
On XX/XX/2023 I made my last payment to PHH Mortgage Services https : //www.phhmortgage.com/ They have been holding my money and not applying is to my last principal balance of {$5500.00}. 
I sent them {$5600.00} which shows they are holding in a suspense account since XX/XX/2023. 

Thank you for your time and assistance in resolving this issue. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: NJ
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:
My XXXX credit report shows hard inquiry since XXXX  which should be removed from my report by now My XXXX score is frozen on XXXX score and never grow I need full detailed explanation for why my score is never go up however I use 30 % of my credit limit and always pay on time I need a full explanation as because of that Im not able to get approved for conventional Mortgage and Im stuck with an FHA loan that is refused by all sellers I need To know what is the error and why my score is frozen on XXXX score even my payment history is great.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've been writing the bureaus several times to dispute my student loans. The student loans are reporting with different info through out the 3 bureaus. According to the FCRA This is a violation and should be deleted immediately. I've pointed out things that are not correct several times and they just send letters saying updated and leave the accounts still showing negative items.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. This amount ( s ) owed are no longer outstanding for the following items : Party Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I am disputing this claim because I have NO knowledge of this account. It is FRAUDULENT and I am requesting that it be removed IMMEDIATELY! This is my official request to have the aforementioned item to be deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My XXXX  credit report shows hard inquiry since XXXX which should be removed from my report by now My XXXX  score is frozen on XXXX score and never grow I need full detailed explanation for why my score is never go up however I use 30 % of my credit limit and always pay on time I need a full explanation as because of that Im not able to get approved for conventional Mortgage and Im stuck with an FHA loan that is refused by all sellers I need To know what is the error and why my score is frozen on XXXX score even my payment history is great.

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 2023-04-06
Company: Bread Financial 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:
In accordance with the fair credit reporting act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have numerous problems with specific account. For a start, I don't have XXXX service. Never have. I've never had a tv network opened in my name period. In the event this happened, my identity definitely was stolen and I've informed the bureaus and police of that ( earlier this year ). I thought after going to the police that they handle it ( shows how much I know ) but that's not the case. 

I reached out to XXXX, asking for any and all information regarding this account. They don't even have a contract bearing my signature, accurate copy of my license, nothing. How can you say an account was opened by me with no security measures to ensure it WAS ME? 

Bogus. They've stopped responding after notifying them of the many violations. I then wrote the collection agency asking the same thing. No response. Over it at this point. This year has been a nightmare and I think it's unfair how some ( not all ) turn their heads when true victims of identity theft have to deal with this. I've been attempting to resolve this since XXXX with the creditors directly, with the bureaus since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had ONE outstanding medical bill from a XXXX which as sent to Online Information Services. However, instead of reporting ONE account outstanding, they divided the accounts into several balances based upon the service dates and report 5 separate accounts to the credit bureaus. This should not be legal, this is tantamount to a credit card company putting a collection for every point of sale you used the card!!

I reached out to OLIS ( XXXX ) to request they combine these items to one balance as it was at the original creditor. She refused this request. Having 5 delinquent accounts is adversely affecting my credit score and I have been denied credit due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CITIBANK, N.A.
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:
My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) Macy 's ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX  ( {$240.00} )

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 2023-01-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$1000.00} On XX/XX/2023 Chase Bank thought that this was suspicious activity and put a hold on my check until the XXXX which they said would clear and my account would be unrestricted however after the check cleared in my account for {$1000.00} they came up with a new issue and said they needed to verify the check with the issuing bank bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed my name and that the funds we're available and the check cleared however then they came up with another issue wanting to know the third XXXX bank information from which I use the bill pay XXXX  XXXX XXXX does not validate third party information with that being said the check cleared XX/XX/2023 now chase has restricted my account and will not give me access to my funds. and have claimed that they will never release the money until XXXX  XXXX XXXX gives them third party information this is very unusual and no bank verifies third party information therefore I have no way to get my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I noticed some unauthorized inquires on my report from an account that was already paid in full and closed for over 3 years.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IC SYSTEMS INC PHONED ME ONCE SEVERAL MONTHS AGO IN AN ATTEMPT TO COLLECT A DEBT OWED TO XXXX PHONE COMPANY. I ASKED THE IC SYSTEMS REPRESENTATIVE TO SEND ME A VERIFICATION OF THE DEBT AND TO ONLY CONTACT ME VIA WRITING. THEY NEVER PROVIDED ME WITH ANYTHING REGARDING THIS AND HAVE PLACED THIS ON MY CREDIT FILE AS A COLLECTION ACCOUNT. TODAY XX/XX/2019 I WAS CONTACTED BY AN XXXX XXXX XXXX  REGARDING THIS AND WAS TOLD THAT THEY HAD RECEIVED MY FILE. I ASKED THEM TO SEND ME A VERIFICATION OF THIS DEBT AND WAS PROMISED TO RECEIVE THIS IN 7-10 DAYS. I WILL MAKE ARRANGEMENTS WITH THEM IS EVERYTHING IS ACCURATE AND VERIFIED BUT IC SYSTEMS HAS BEEN WILLFULLY NEGLIGENT IN THEIR REPORTING AND COLLECTION PRACTICES. UNDER SECTION 616 AND 617 OF THE FCRA THIS COULD LEAD TO MONETARY DAMAGES TO THEIR AGENCY. I AM REQUESTING THIS INFORMATION BE REMOVED FROM MY CREDIT FILE AS I HAVE NOT BEEN UNWILLING TO PAY THIS I JUST HAVE NOT RECEIVED ANY VERIFICATION AS REQUIRED BY LAW WHEN REQUESTED. 

IC SYSTEMS CONTACT INFO IS XXXX XXXX XXXX XXXX , XXXX XXXX, MN 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 2022-10-20
Company: Experian Information Solutions Inc.
State: VA
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:
I requested this account and credit card to be closed on XX/XX/2022 after paying the final balance owed. I continued receiving billing statements from XXXX Bank for this credit card. Once again, I called and explained that this account should have been closed in XXXX of 2022 and the agent assured me that the account was closed. I did a dispute on my credit report to have this account removed because it is still reporting as open and that I am in default with payments. It has since been resolved with XXXX Bank and was removed from my XXXX report. However, the account remains as a collection on my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-09-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The complaint is against PayPal. I have had an account with PayPal for a long time that I rarely have used except maybe 1 or 2 transactions over the life of the account since it was created. They placed my account on a temporary restriction and requested information from me to resolve the account restriction including linkage of a bank account and photo ID. These documents were submitted and accepted when I was logged into my PayPal account. 

Today, I received an email with a receipt indicating a purchase through PayPal that appeared to be a scam. I do not use PayPal. I logged into my account on the legitimate PayPal site to close my account which I was unable to do so. The site indicated that I needed to resolve issues with my account to remove the limitation and could not close or delete any information until that time. I also found the attached notice that stated, " We're permanently limiting your account. You can no longer use PayPal as we've decided to permanently limit your account after review. '' I called PayPal today at XXXX and spoke with XXXX. She stated that PayPal determined that transactions on my account were a security threat to PayPal and its users despite seeing that the account is not used. She stated that I could not close the account or delete any information with the permanent limitation status that she could not override. She would not immediately state the reason that my account was permanently limited but then stated it was due to the photo ID that I submitted upon their request that created the issue but would not tell me anything more. She said that I could submit another photo ID for review. I refused stating that I would not provide any further information since PayPal was not letting me have control over it. She kept referring back to the User Agreement. She could not do anything further. I stated that I would file a complaint with the FTC and CFPB to have my account and all the information deleted from their databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Absolute Resolutions Corp.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had sent a notice to this company to cease all communications as described in the fair debt collection practices act ( FDCPA ) in regards to the following account XXXX  The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium that this company has chosen to continue to communicate with me. This violates the FDCPA and my right to privacy as a federally protected consumer. At this point I demand compensation for their willful and knowing violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Have an XXXX XXXX Citi credit card. Attempted a purchase online from a XXXX   company for {$140.00} usd. Card declined. Called Citi to find out what the issue was. Representative stated that they can't verify I am who I say I am and have to send me a text message - No text message ever arrived. I offered to answer any question they had, send copies of the card, my ID, social etc ... Representative said nope - We are blocking your account access. I can't use the card or even access the account online to make payments. Representatives BARELY speak English. No solution to access or unblock my account or even to make a payment. Impossible to speak to a representative who is a native English speaker. No method to access my account or verify I am myself. Completely unacceptable.

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 2023-11-15
Company: Byrider Franchising, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The company is reporting I owe {$5800.00}, im sure the seller has already sold the vehicle to another individual. The Fair Credit Reporting Act comes with the ability to dispute credit report items that are fraudulent, inaccurate, outdated, or unsubstantiated. This type of tradeline is considered unsubstantiated and I am kindly requesting that this tradeline be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
At the end of XX/XX/2023 I started to fix my credit report. Checking to my sure everything is accurate and looking to see what can be removed. As I examined my report I see that there is a bankruptcy on there. So I reached out to all 3 credit bureaus asking them to check the accuracy of the information. XXXX responded back with a deletion. TransUnion and XXXX responded by saying the information was accurate. So I then reached out to the source of the information reported. The source responded with a written statement saying. They DO NOT report to any credit bureaus therefore the information is a lie/inaccurate and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief