BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I submitted a request in writing requesting for a complete verification of a few items on my credit report with all three bureaus. The request was sent in well over 30 days and they did not provide any verifiable information that proves these accounts have been completely verified. In addition the dates and amounts are still reflecting different between all three bureaus Transunion, XXXX and XXXX. 
The accounts that I submitted a written request for complete verification are the following : 1. ) Achieve Personal Loans address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX phone # XXXX opened and closed dates are different with all three bureaus. 
2. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened and closed dates are different with all three bureaus. 
3. ) XXXX- address- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened and closed dates are different with all three bureaus. 
4. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX. 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened and closed dates are different with all three bureaus. 
6. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX opened and closed dates are different with all three bureaus. 

This should have been fixed ad since now they have not honored the rights I am due legally they must remove the items that were not verified since they are inaccurately reporting on all three bureaus. Please assist me with getting a proper response and now resolution. Thank you.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: DE
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 XXXX XXXX XXXX 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 1618 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 explanation
Consumer complaint received 2023-06-26
Company: Halsted Financial Services, LLC.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2023 at around XXXX, I reached out to Halsted Financial after a debt reported on my account was reported to them from another collection company. I reached out to them asking to settle the account that I know insurance had already paid. When the company refused the offer I made, I explained that I would go ahead and pay the amount but would be filing a complaint against them. The representative then told me that she could not allow me to pay the settle if I could not agree to not file a complaint against them. She held me on the phone for more than 20 minutes going back and forth with me trying to make me say I won't file a complaint if she lets me pay off the offer amount. After being on the phone over an hour, being transferred to person after person, another person finally accepted my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: AL
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 multiple inquires from XXXX of 2020- XXXX of 2020. That I have no knowledge or memory of nor of giving consent and need them to be removed 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 explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the third interaction we have had. You recently said you sold this information to another company so I would like to know the company handling this. As you can see the information is incorrect on my credit. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged dbet, nor therefore any such debt, in fact therefore exist This needs to be removed from my credit. I will not let this up. As this is effecting me long term. Yes I've submitted documents to get this removed because of statement above. You have sold my information to another company and haven't provided any details to who.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Affirm Holdings, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a shirt press ordered from heat transfer warehouse without a wet ink signature between both parties meaning myself and the company heat transfer warehouse. One of the stipulations was a signature was needed for delivery. XXXX attempted to deliver the heat press but it had to be returned because no one was able to sign for the package. The package was sent back to the heat transfer warehouse unopened and undamaged. I reached out to heat transfer warehouse when I noticed the third party company named affirm that financed the heat press was asking me for a payment. I reached out to affirm to let them know the heat oress was returned and I never received the heat press. Affirm told me I have to call the company and get a refund which I did and heat transfer refused to refund affirm. I stated to heat transfer that the package was not signed fir, I never received it and signature was one of the requirements and since heat transfer received the item back unopened they need to refund affirm fully and the rep from heat transfer said NO. I told the rep I WILL NOT PAY FOR MERCHANDISE NEVER RECEIVED THATS A RIPOFF AND I WILL NOT BE PAYING FOR SOMETHING I DO NOT HAVE!. I reached back out to affirm and they told me to hit follow the instructions for a return on there website. Affirm then told me I have to make the psyments till heat transfer refund them the money and when heat transfer warehouse return the money to affirm then affirm would reimburse me any payments i may have made while waiting on my refund. I tols affirm i will mot pay a dime on something i never received and this whole situation is fraud and a money scam. I have emails from heat transfer stating they will not give me a refund even though I don't have the merchandise. This is illegal practice for both these businesses and a ripoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Guidiville Indian Rancheria
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1200.00}. APR is 647.79 % with a total finance charge of {$6000.00} over the life of the loan, spread across 20 ( twenty ) semi monthly payments of {$360.00} which began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH, and I have recently revoked my ACH debit authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX, XXXX XXXX XXXX , XXXX, PA XXXX HQ closed my account with two of the bureaus XXXX and XXXX, however they are still reporting it active with Equifax. They are reporting the account still open and that I made a current payment in XXXX. I have not made a payment to them since XXXX the account has been closed however they are illegally submitting false documentation to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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: Their investigation did not fix an error on your report

Complaint:
I am having major issues with XXXX and their horrible reporting issues. First my payment in XXXX they kept having issues processing payment. They charged me a late fee when the issue was on their side as I kept having to wait for them to add the bank account and verify. I also responded in multiple emails for them to charge my account which they kept making excuses for saying that I responded to the wrong email or missed a word. It was ridiculous and I told them I refused to pay their XXXX late for their issues. I made the payment for XXXX My payment due was XXXX. So they instead reported my account as past due for the month for XXXX which was the balance of late fee which I refused to pay due to their errors since I paid XXXX which was more than payment due. They still have not fixed on my account as paid on time on credit reports, but found the investigation and ended up refunding me XXXX in XXXX for the error. Which is attached in emails. Next I made my XXXX payment for XXXX. I sent them copies of my bank statement as well as the screen shots added and they still said it was late. They told me my bank account was Frozen. Which again is not true because then they withdrew on XX/XX/XXXX and XX/XX/XXXX from that same account 2 more payments. They have tons of issues and I am tired of them reporting incorrectly. Claiming my bank account is frozen even though they have taken 6 payments from it and then reporting my account as late incorrectly on my credit causing irreparable harm and stress. Then to add insult to injury you will see in all the emails when they are wrong they do not respond for XXXX, 30 days and half of the emails bounce back. So they do not respond in any timely manner what so ever!!! This is by far the worst company to deal with.

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 2022-10-06
Company: Spring Oaks Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Spring Oaks capital falsely reports to XXXX that I owe them {$500.00} for an account with XXXX  XXXX XXXX. When I contacted Spring Oaks on several occasions they transferred the call to XXXX stating that they own that debt. XXXX managers and supervisors claim that I paid it the account and do not owe anything. They provided me with a pay in full letter. XXXX staff said they can not remove the collection from my credit report because Spring oaks owns it. I disputed the collection with credit bureaus and Spring Oaks insists that the information is accurate. I called Spring Oaks and everest over 20 times and they cant resolve my complaint. I just get bounced around between them 2. I even offered to pay what they say I owe and they stated that i do not owe anything yet they continue to falsely report to XXXX that I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

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 2018-05-07
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased a knife for {$320.00} and sent payment via PayPal under the impression that this would be under purchase protection. I was sent a much cheaper folding knife than I ordered. I communicated with the seller who stopped communicating with me when I told him I had received a much cheaper knife. After disputing the charge with PayPal, the company claimed that the knife was not eligible for purchase protection. This is contrary to their acceptable use policy which fails to explicitly say anything regarding automatic knives. No reasonable reading of the acceptable use policy would lead someone to conclude that their purchase would not be protected due to the broad, inexplicit language used. This means that as long as someone is defrauding by pretending to sell a certain knife via PayPal, they are free to defraud PayPal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and noticed XXXX XXXX XXXX is attempting and trying to get me to pay {$1200.00} to them. 

I dont know this company or never did business with this company.This company doesnt have any proof or no signature of mine to validate this debt saying I owe them.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2020-07-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Over the past years I have sent certified letters and made calls to Navient without any response from them. They have refused to provide me loan details or allow me to enter into a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America is doing fraud by charging interest on a balance that does not exist. 
Please check attached for documents & see the details below. 

Beginning balance as XXXX XX/XX/2021. 
{$4200.00} This balance was paid in full on XX/XX/2021 Bank of America as other credit providers give 28 to 30 days grace period to pay the last billing period balance to avoid interest charge & balance of {$4200.00} was cleared on XX/XX/2021. 

Balance was paid in full within the grace period so NO interest must be charged. 

Beginning balance as of XX/XX/2021 {$3900.00} This balance was paid in full on XX/XX/2021, XX/XX/2021 & XX/XX/2021 ( XXXX partial payments ) Balance was paid in full within the grace period so NO interest must be charged. 

BUT : I was charged XXXX $ interest on XX/XX/2021 Undoubtedly, bank of America has manipulated the algorithm & this is happening at large scale embezzling billions of dollars. 

I also need to mention this fraud has happened a few times within the last few years & every time I call they say : Sorry it was a mistake!!!! 

XXXX $ XXXX XXXX innocent BOA preys = XXXX $ in just one month!!!!

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 monetary relief
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Company continues to report inaccurate information to my consumer 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 2022-06-13
Company: EQUIFAX, 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 sent to the CRA regarding XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXl to be disputed. You failed to mark account as disputed, this a a violation. Failure to keep and follow reasonable procedures to assure possible accuracy. You reckless willful action is causing damages as economic and emotional stress. 

Account XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX xxxxxxxxxx XXXX xxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CBC Companies, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is a formal statement notifying the credit bureaus that the accounts under account # XXXX are being disputed. The purchase date of the vehicle is XX/XX/XXXX, The vehicle was financed by XXXX XXXX XXXX, repossessed in the state of Michigan, and sold on or about XX/XX/XXXX. Under the laws UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are REQUIRED to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: CA
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 accordence with the Fair credit reporting act 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 It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX 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