BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 I received an email from XXXX XXXX XXXX XXXX Inviting me to sign up for free credit bureau membership for four years. The email contained an activation code XXXX. I was to sign up on the web site " www.experianidworks.com/equifaxsettlement.. When I did so the website advised that the activation code was not valid. I then called the phone number XXXX and was told by an agent that the code was invalid and that she would try and get a valid code for me. After many long minutes the agent advised that they would have to phone it to me later. I never received that promised phone call. The next day I phoned the XXXX XXXX XXXX XXXX XXXX at XXXX. The agent again confirmed that my code was invalid and ( apparently ) attempted unsuccessfully to get me a valid code. Again after a long wait on the phone I was told that they would call me later. I never received that call either. It appears that I am getting a run around in hopes that I will give up my quest for a valid code

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XX/XX/XXXX, I contacted XXXX to dispute an account on my consumer credit report. This account has been disputed multiple times, but each time, XXXX and credit bureaus report that the account meets FCRA requirements. In XX/XX/XXXX, I requested that XXXX provide me with documentation proving that I opened the account. XXXX sent a billing statement with my Name, Former address, and Phone number. I have never been associated with that phone number. Please see the attached documents. I am disputing ownership of the account. I have not owned any XXXX XXXX XXXX XXXX XXXX at the specified address and the phone number associated with it. I owned an XXXX XXXX XXXX XXXXXXXX at the specified address. Additionally, I lived at XXXX XXXX XXXX, XXXX Ca XXXX from XX/XX/XXXX and not XXXX XXXX XXXX, XXXX Ca XXXX. At the same time I had 2 cell phone lines opened : XXXX and XXXX. I would know If I had another account with XXXX. I didn't open that account based on the information provided.

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 2022-04-14
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern, On XX/XX/2020 I called XXXX 's and asked them if I applied for for multiple things would I get " 1 '' hard pull there customer service. 

On XX/XX/2020 I did what they told me to do and they gave me " 4 '' hard pulls on my credit. I called them up right away explaining why I did what I did as that is what there customer service told me to do. They are telling me each card get 's its own pull which is not what I was told day prior I was told 1 hard pull if done same time.

I can not have " 4 '' new hard pulls on my credit. I have no problem having the 1 hard pull as I was going by what XXXX 's customer service told me 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 2022-04-14
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:
Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXX 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 XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2019-06-16
Company: Experian Information Solutions Inc.
State: WI
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: Problem with personal statement of dispute

Complaint:
I have contacted XXXX XXXX and Experian to obtain free annual credit reports in addition I have received the reports from transunion and from Experian but I have not received my XXXX report yet all these bureaus have a hard time verifying my identity when I call them or do the online process because I don't remember all my security questions and everything off the top of my head and so they have a hard time verifying my identity and then they're delaying it by telling me to mail in identity verification and so I do have a security freeze on all three credit reports and also fraud alerts that I put in place but those are the hard balls to me getting around at accessing my credit report and or dealing with day-to-day business with 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 non-monetary relief
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/18, I've submitted a request to Experian requesting that they provide proof of the method of verification for which they used to verify the accuracy of this reporting. Clearly, the United States Bankruptcy Court, District of Maryland have verified that the Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The FCRA further states, that the credit bureaus are required by law under Section 605 and Section 603 ( f ) mandating accurate information. Therefore, it is the responsibility of the original furnishers of a debt to verify its accuracy. Section 660.2 ( b ) direct dispute means a dispute submitted directly to the a furnisher ( including a furnisher that is a debt collection ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the originial furnisher has or had with the consumer. Section 660.4 ( iv ) information derived from public records, such as judgments, bankruptcies, liens and other legal matters ( unless provided by a furnisher with an account or other relationship with the consumer )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or about XX/XX/2020 I received a notification, i believed was from PayPal that I was charged for a computer security subscription for {$380.00} that has since been removed from the account. There was a contact number on the charge to call and when I reached a representative named XXXX XXXX who represented himself as the PayPal fraud center he began scamming me to remove the charge. 
He directed me to use a computer sharing application called XXXX XXXX  so he could assist me in resolving the charge. Unfortunately I agreed and the scam began. 
As you can see from the transaction in my PayPal transcript several debits and credits from various individuals were placed in the account and to clear the accounts they need me to provide a payment of {$950.00} to clear the account. I agreed to provide payments though PayPal, However, he said that because there was potential fraud the money had to be sent by other means so Venmo was the vehicle they asked me to use. The process was extremely confusing and believing I was working with PayPal I agreed and sent {$950.00} to XXXX and immediately knew I made a grave mistake. 
I looked at the account XXXX had provided to credits from a XXXX XXXX of {$890.00} and {$390.00} ( the initial charge from the security service ) totaling {$1200.00}. 
I then transferred the {$1200.00} to my bank account to cover my {$950.00} payment to XXXX on Venmo. XXXX said that the transfer was to cover the {$950.00} and to send him the balance to clear the issue. When I finally realized this was a scam I disconnected the engagement and refused any further conversations. When he/they realized that I had the money and was not going to send them any money there we two days frantic emails and texts trying to get me to respond. 
I then received a PayPal notice that there was a negative balance of {$1200.00} that had to be paid back because the XXXX XXXX payments were cancelled. 
I wanted to clear this issue and called the PayPal number on the site and got a rep named XXXX XXXX XXXX and he wanted to again use XXXX XXXX  to get into my computer and look at my account. I asked him why he could not see my account if he was PayPal? He said it was frozen and I needed to show him the charges. 
I told him I would only pay the balance if I could pay directly into my PayPal account but he told me he can not open the account and that I could go get PayPal gift cards and then provide him the card info and pay it that way!!! 
Alarms immediately went off and I stopped all communications again. 
I have been scammed and feel very embarrassed that I allowed myself to be scammed. I hope you can help me with this issue and also stop them from doing this to someone else. 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: BAM Management US Holdings Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Last year around the XXXX time frame, Binance sent me an email stating I had one week to verify my account due to not being able to service me anymore since I live in the USA. I was not able to do that due to the verification process not allowing me to select USA as a country. 

Now, i can not transfer my money out of Binance to either myself or to BinanceUS ... which is their partner in the USA that handles crypto transactions. Binance and BinanceUS will not respond to my unique issue and my money is stuck and I was never able to get the opportunity to get it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX To Whom It May Concern : Re : File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SS # XXXX BD : XX/XX/XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. Home Address : XXXX XXXX XXXX. XXXX, NC XXXX Accounts : XXXX XXXX, XXXX. - {$100.00} ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX - CLOSED ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX - {$2500.00} ACCT # XXXX XXXX  XXXX/XXXX  - {$2600.00} ACCT # xxxxxxxxxxxx XXXX XXXX XXXX XXXX - {$4600.00} ACCT # XXXX You also have a few different listed addresses as my former address : XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. I have included a copy of my utility bill for verification. There was also an inquiry that I noticed that does not represent a request from me. It needs to be removed as well. XXXX  XXXX XXXX XXXX XX/XX/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 2022-04-14
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2023-11-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
The original Mortgage was XXXX for XXXX for XXXX here it is XXXX my mortgage should be paid of and they say we still owe XXXX dollars!!! You mean to tell me in almost 30 years of a XXXX a month aymt we only paid XXXX XXXX towards our house!! XXXX is fraud somewhere and we refuse to pay anymore on the mortgage we paid enough for this house already

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2022-04-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a check via mobile app for {$2500.00}. This check is from XXXX for sale of some stocks. I expected the funds to be available the next day, XX/XX/XXXX. I saw in my account they were not available. I call Fifth Third, and spoke with an agent who told me they placed a 10 day hold on the check. She said it was because of the amount. I asked to speak with a supervisor. The supervisor advised that there was nothing they could do. She then placed me on hold. She came back on the phone and said they looked at the check to see if they could release the hold, but told me because I hadn't received a similar deposit recently, they couldn't release the hold. 

I feel this violates my access to funds and that certain checks/customers are able to get the hold removed and I wasn't. I believe this to be a possible UDAAP issue as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: CO
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 HAVE SEVERAL ACCOUNTS SHOWING NEGATIVELY ON MY CREDIT REPORT. WHEN MY EX-HUSBAND AND I DIVORCED, WE AGREED TO SPLIT THE DEBT ACCRUED DURING OUR MARRIAGE. HE HASN'T MADE HIS PAYMENTS AND DESPITE MY MANY ATTEMPTS TO CORRECT THIS, I AM NOT RECEIVING ANY RESPONSE FROM THE COLLECTORS ON THOSE ACCOUNTS. AS IT STATES IN MY DIVORCE DECREE, THOSE SPECIFIC ACCOUNTS BELONG TO MY EX-HUSBAND. I HAVE BEEN TRYING TO CORRECT THIS FOR NEARLY THREE YEARS, BUT I HAVEN'T HAD ANY SUCCESS, AT ALL. I HAVE SUBMITTED DISPUTES, WRITTEN LETTERS SENT TO THE COLLECTORS, I HAVE TRIED CALLING TO DISCUSS THE ACCOUNTS AND GIVE THEM THE CORRECT INFORMATION. IF SOMEONE COULD PLEASE HELP. I AM APPLYING FOR A CAR LOAN SOON AND I HOPE TO HAVE THESE NEGATIVE ACCOUNTS OFF OF MY REPORT. I HAVE BEEN PAYING MY PART OF THE DEBT, BY MAKING MONTHLY PAYMENTS. I SHOULD NOT BE PUNISHED BECAUSE MY EX-HUSBAND ISN'T TAKING CARE OF HIS DEBTS.

Company response to consumer: Closed with explanation