BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have sent 2 certified letters to XXXX and Transunion regarding unauthorized inquiries on my credit reports These companies listed by them did not have permissible authority to view my credit report since I am a victim of idently theft However they have not removed those inquires

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 2023-02-02
Company: Experian Information Solutions 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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block the items or the information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-08-26
Company: EQUIFAX, INC.
State: MD
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 got a copy of my credit report and i seen alot of inquiries i do not recognize, authorize or consent to. I don't know how they got there and i would like for them to be removed immediately please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Netspend Corporation
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX at about XXXX, I had a scary charge that went on my Debit Card from the NetSpend All access Account where I have direct deposit from my employer for the last four or five years approximately.To my fear, I had discovered a charge that was and still is listed for sure as XXXXThis charge was made at the XXXXXXXX XXXX XXXXXXXX.I did attempt to see if there was a ghost account at the company but it did say no purchases were made by myself with my card.I would hypothesize that my card was used there by a members account.This charge had brought my account into the negative and consequently a overdraft charge was charged in addition.I was able to block the card after the ghost charge fortunately but I am uncertain how to officially make a dispute of the transaction after I called NetSpend and was trying to explain my dilemma at this time.I would greatly appreciate any little help I could receive from the Federal Government 's Agency.I, as well as many others definitely appreciate the service if feasible.Thank you XXXX XXXX XXXX Net Spend All Access Card Member

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 2023-07-12
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: Information belongs to someone else

Complaint:
I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt.

* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Equifax and XXXX never responded! 

Further More Experian, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under XXXX XXXX XXXX XXXX that XXXX, Equifax and XXXX is implementing it self.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
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:
Old information reappearing on my Transunion 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 2021-08-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi. 

I have been trying to get my account balance restored due to an error on PayPal end. I have done everything I can to proof that my account was flagged in error. I am now being told that I have to wait until 180 days is up from when my account was limited which is XX/XX/XXXX. That date is completely over 180 days as my account was limited on XX/XX/2021. So if PayPal is not going to release my funds now. The correct date of release should be XX/XX/XXXX. I would like PayPal to review all documents and release my account ASAP or correct the release date to XX/XX/2021 as XX/XX/2021 will be well last 180 days. 

PayPal has caused a financial burden on my end and I hope they act in good faith and release my funds earlier. This will be my 3rd attempt to show them that I should not have been flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Mr. Cooper Group Inc.
State: PA
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:
XXXX has not produced the documents needed to verify the lates on my mortagage. Ive asked for them for months ... they keep validating lates thats XXXX XXXX XXXX without telling me how nor showing proof...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2021-08-05
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: Information belongs to someone else

Complaint:
I am writing to you because I have items that are not mine. Please check the following items, make an investigation of them, and delete them : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-01-13
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/22 to XX/XX/22, XXXX charges were made to my Barclays account by a dentist : {$1000.00} for the future cost of a crown, {$99.00} for some " club '' that they have which supposedly lowers the price of your services, and another {$99.00} which I presume was for the visit, which pretty much entailed having XXXX of their nurses glue the broken crown to the other half that remained in the mouth, and which promptly broke off again that evening at home. They glued the broken crown because their facilities did not have a lab that could do a temporary crown. Once the crown broke again, I knew I was not going back, called them the next day, canceled the crown, and demanded all my money back. I then disputed the charges on my bank card. Eventually, the dentist sent me a check for {$1000.00}, but nothing for the other {$190.00}. Barclays has embarked on a course of action that is at least inappropriate, if not illegal. They have added and removed these amounts at whim, without consulting with me, and the latest thing they did was send me a package ( more like a book ) of papers about the issue, I'm assuming. My eyesight is impaired and I can not be expected to read it. On information and belief, Barclays was aware of my eye condition before but, if not, I made sure to remind or notify them again tonight, when I tried to reach Barclays again. Unfortunately, or conveniently, the right department was closed tonight. Instead of a book, I need them to make sure that the {$1000.00} ( if paid by me on the account ) was reversed, and that I get my XXXX {$99.00} charges returned as well.

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 2023-09-24
Company: Experian Information Solutions Inc.
State: LA
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:
I have information on my credit report that doesn't belong to me. My wallet got stolen with all my information in it. I also made an FTC report for the accounts and a police report. 

Experian reported 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 2023-02-15
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CC company calls XXXX @ night. 

Notices calls come on each an every time I use my personal debt card. I believe the company is invading my privacy. 

The company is violating several laws listed below I have blocked numerous phone numbers from this credit card company. 

Creditors and debt collectors are not allowed to repeatedly call you throughout the day trying to get you to pay them money. The Fair Debt Collection Practices Act ( " FDCPA '' ) and XXXX Fair Debt Collection Practices Act ( " RFDCPA '' ) have very clear rules that state calling multiple times a day is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fraudulent accounts and inquiries appearing on credit report. 

1. XXXX {$1300.00} 2. Pa Child Support Enforcement {$16.00} 3. XXXX {$0.00} Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXXXXXX XXXX 9. XXXX XXXX 10.XXXX 11 . 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 2021-08-06
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I'm using Veterans United to buy a house, they want to know whether I'm still working for my employer ( XXXX XXXX XXXX ). The company has a policy about giving that information, they use XXXX, a contractor, Veterans United don't want to go that route because, according to them, they have specific questions they want answered, it is mostly regarding my being furlough during the pandemic. They are set on talking to XXXX HR, but I explained to them they won't get much information, if any, from XXXX HR because of company rules and policies. I gave them a number to HR and explained what a company representative had told me. XXXX will NOT offer any information over the phone, they will only answer YES or NOT to any question from Veterans United without volunteering any specific answers. That's why the company uses XXXX. So this is holding off my progress with closing the transaction with Veterans United and I'm seriously looking at another lender. I tried the VA to file a complaint, but have been unsuccessful. Every time I email or call to get an update on this issue from my loan agents they are always out of the office for a few days, I will get an auto response to my emails saying so, and every call is answered by a voicemail. In my opinion they are stretching this as much as possible for whatever reason and I find it 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 2021-08-06
Company: EQUIFAX, INC.
State: FL
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 MY 3RD ATTEMPT TO FIX THIS PROBLEM WITH THE CRDIT REPORTING AGENCY DISREGARDING MY DISPUTE WITH THIS FALSE COLLECTION THE 3 MAJOR BUREAUS HAS NOT FUFILL MY DEMANDS AND DELETED THIS NON VALIDATED COLLECTION ON MY REPORT THAT HAS BEEN MISPLACED, ,THAT HAS BEEN PLACED ON MY CONSUMER CREDIT REPORT, ON XXXX XXXX I SENT 4 CERTIFIED MAIL DOCUMENTED LETTERS TO THE 3 MAJOR BUREAUS AND WHICH THEY HAVE RECIEVED BUT STILL HAS REFUSED TO ADRRESED THE INAACURATE INFORMATION THEY ARE CONTINUING TO REPORT .THIS COLLECTION HAS BEEN REMOVED AND CLOSED BY ONE OF THE MAJOR BUREAUS ( XXXX ) AND XXXX AND EQUIFAX HAS STILL CONTINUE TO VIOLATE MY RIGHTS BY FURNISHING THIS ACOUNT THAT DOES NOT PERTAIN TO ME..I NEED YOU TO KNOW THAT YOU ARE IN VIOLATION AND CAN BE PENALIZED THIS ACCOUNT WAS CLOSED ON XXXX ..YOU ARE INVADING MY PRIVACY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and I was scammed out of {$990.00} on XX/XX/XXXX by cash App or square as the merchant through my XXXX XXXX XXXX in XXXX Ga.. I spoke with their fraud dept. while the transaction occurred. They told me 4 prior transactions were attempted. I have since contacted FBI and NCAU and to no avail they credited my account on XX/XX/XXXX and on XX/XX/XXXX they recanted their MONEY FROM MY ACCOUNT and told me if they give me my money back, they will close my bank account that I have hade over 23 years. They show no concern or loyalty for your money or customers. Is XXXXXXXX XXXX XXXX XXXX for real with their headliners. I will be forwarding a copy of this email to my local and national syndicates for XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. If I don't get a response within 72 hours of this sent doc. I didn't receive the respond. I still want my money back and my credit union was no help

Company response to consumer: Closed with explanation