BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
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:
FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX  XXXX CT XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family FCRA violations : accounts not mine XXXX  XXXX XXXX negative Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00}

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: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received money from a cousin to help defray the cost of my younger brothers funeral expenses by way of Venmo. When I tried to have that money transferred to my bank account on the XXXX of XX/XX/2023 I thought it was going to go through. I checked back a few days later the XXXX and found that the transfer was canceled by Venmo and my account was locked. I tried to resolve the problem by email as suggested and am unable to get any type of explanation as to why exactly my account was locked. The amount is XXXX. I tried both email and phone calls to resolve the issue and my account is still locked we need that money asap!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: SLM CORPORATION
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: Investigation took more than 30 days

Complaint:
Sallie Mae continues to misapply payments made in each month to my loans with the company. The most recent representative called me to say I did not make a payment in XXXX of XXXX, when I made a payment this month. Also, the representative before her told me I didnt make a payment in XXXX of XXXX, when I made a payment to Sallie Mae in that month as well. Moreover, a Sallie MaXXXX representative called in XXXX of XXXX to place me into a forbearance program as long as I initiate automatic payments out of my account. I agreed and preceded the contractual agreement over the phone. After the forbearance period, there was not a payment automatically pulled from the account. I had to call Sallie Mae and inquire about the missed auto-debit when I was informed that I never qualified for the program to begin with and therefore I was liable for the forbearance period. I spoke to a manager in the call center who promised a call back, but never called back. This has resulted in late payment reporting on my credit report and interest charges due to payments being considered late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Under the FCRA, the XXXX Credit Card now HAS to be removed from my reports from all bureaus. I have sent them a certified letter asking for ORIGINAL CONTRACT, PHYSCAL SIGNATURE, RECORDING BY VIDEO OR PHONE OF ME ASKING FOR A LINE OF CREDIT. Furthermore, I asked, if this account has been sold, who was it sold to, how much was it sold for, etc. They, by law, had 30 days to respond. The have not. Therefore, under FCRA, this account has to be removed immediately. 

Attached is PROOF that if they company itself can not validate or verify the account with ME, whom they choose to report as having an account, there is no way the bureaus have HONESTLY been able to VALIDATE or VERIFY and be able to report an longer.

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 2022-12-14
Company: EQUIFAX, INC.
State: AL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re- XXXX this is the XXXX consecutive time I have asked you For information pertaining to this so called debt that you say I owe! You are unable and have not provided me XXXX piece of evidence that I have asked you for that ties me to this debt right now you are a violation of the FDCPA I must warn you in writing remove this unverified account from all credit reporting agencies and cease and desist any further reporting on this account and DO IT TODAY or you would be sued for {$1000.00} if you dont believe me TRY ME Review the file if you dont believe me again try me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
failed to validate & delete inaccurate information on 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 2020-09-20
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt in the amount of {$330.00} from a creditor I am unfamiliar with is reflecting on my credit report. I have reports that were submitted to the FTC due to being a victim of identity theft which has lead to unauthorized accounts being opened in my name using personal information. This account does NOT belong to me and I have contacted the lender as well and made them aware of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/21 I received a targeted offer while logged in to my Citi credit card account online. The offer stated I would receive {$200.00} cash bonus if I deposit {$3000.00} new to Citi funds within 60 days of account opening. 

I clicked the offer buttons to proceed to open a Citi checking account and deposited the new to Citi funds of {$3000.00}. 

After 60 days, I chatted with a representative to see why I have not received my bonus. They were of no help. 

It has now been 97 days since opening and depositing funds and I have not received the promised bonus.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX mortgage company set me up to fail from the beginning. They never sent a welcome letter or statement due in XXXX. I only found out when I called my previous mortgage to pay. They gave me a number to call and when I did, they told me my account was not set up yet and to call back next couple weeks. When I called back, this person told me to call a different number which I did and was told to register my account. When I proceeded to pay, it only allow me to pay XXXX so I called again and was told to just pay that amount and will even out next time but I said that I needed to pay my full amount and was told not to worry about it. XXXX came and again tried to pay but only allowed to pay XXXX and I called company again and was told again not to worry about it that it will even out next month so XXXX came and finally allowed me to pay full amount of XXXX which I did. I thought maybe it takes a couple months to even out so I didn't worry. After my XXXX payment, I found out that I was a late on my payments? but I said why didn't they tell me on my XXXX statement to pay all that was owe, why wait for the XXXX statement to say that I was late. I feel because of this company 's mistake and not taking responsibility for their mishandled of what was due, my credit score is being affected. I was not even given a chance to pay on time in XXXX because I never new they were my new mortgage company. I never received anything from them. Who does that?. Again why is this my fault? Now, my XXXX payment was on time and why is it showing that is was late?. I hope this gets fixed

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 2022-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Redfin Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a mortgage pre-qualification with Redfin on XX/XX/XXXX. Was told I would be pre-approved in a few days. As of XX/XX/XXXX, no movement was made to approve uploaded documentation and pre-approve mortgage. XXXX XXXX has also not responded to inquiries since XX/XX/XXXX. We are concerned he is stealing our personal information since there was clearly no effort to approve application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On numerous occasions portfolio recovery has called me ( repeatedly like numerous times daily ) saying I owe them money and if I don't pay they will file a lawsuit against me as well as threatening jail time towards me. I have mailed a few letters to them since they said I ca dispute by mail and in my letters I ask for the original creditors that I owe along with amounts due but I never get anything in the mail! Just more phone calls and then I recently received a sketchy paper in the mail saying I will be sued from them. I've been trying to fight with companies as I believe my identity had been used for a few things but this portfolio recovery company is absolutely horrible! Mind you, this specified company has a ton of lawsuits against them already for threats made against tons of people and have been ordered to cease and desist numerous times, they wont stop! 
These threats need to stop please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 XX/XX/22 someone opened a best buy credit card in my name and made over {$4000.00} worth of purchases. I did not open the card or make the purchases.

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 2023-07-08
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a miles rewards card ( Citi/AAdvantage Platinum Select World Elite Mastercard ) to preserve my frequent flier miles with XXXXXXXX XXXX  XXXX It had an annual fee that I was fine paying, but recently have not used at all. I called Citi to close the account around XX/XX/XXXX, one month before the new fee would be applied. They convinced me to convert my account to a no-fee card ( XXXX XXXX XXXX XXXX card ). They assured me multiple times throughout the call that by doing so I could avoid the membership fee and maintain my miles. I received a notice of conversion dated XX/XX/XXXX. 

I received a statement in XXXX with a balance of {$99.00}, and checked my email to see that on the XXXX they had billed me the membership fee for the converted account. I called on the XXXX to dispute this fee, and I was assured that it would be removed within XXXX to XXXX business days. 

I checked again on XX/XX/XXXX as the billing cycle would soon be up. The fee was still there. I called customer service again and was now informed that it would take 1 to 2 billing CYCLES to come off my account, at which point I would be refunded. I escalated to two more managers, who confirmed that if I did not make the minimum payment, it would hit my credit report. They offered to fast-track the refund process to 1-3 business days, something that should have been done in the first place. 

I was then informed that they would not return the money that I shouldn't have to pay without calling their customer service. They have assured me over a recorded call that there would be no interest fees on the remaining balance, but that remains to be seen.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have unauthorized inquiries and a fraudulent account on my credit report. Inquiries XXXX, XXXX XXXX Account 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 2023-02-27
Company: Westlake Services, LLC
State: GA
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 checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

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 2022-11-22
Company: Consumer Financial Services
State: WI
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:
On XXXX XXXX I was approved for a joint auto loan. My banking account was used for all the payments for the whole duration of the loan. I made all my payments on time and had no major problems until XXXX of XXXX. I was told I had {$460.00} balance remaining on my loan from XXXX of XXXX, Consumer Financial Service of XXXX, IL never contacted me or show this balance on any of my recipients before XXXX of XXXX. This company falsified payments and the amount paid to all three credit bureaus. As of today XXXX XXXX this auto loan is currently open on my XXXX XXXX account with a balance of {$460.00} with the wrong Lender contact information. I have this auto loan paid-In full as of XXXX XXXX. I dispute both XXXX and XXXX Credit Report on XX/XX/XXXX On XXXX XXXX I filed a complaint with the XXXX XXXX XXXX  as well. I spoke with Consumer Financial Service on the following dates ; XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via phone which were recorded and save because of previous inaccurate information given to me on several different calls. The Lender Change the date to XX/XX/XXXX with the credit bureaus for my auto loan approval date and didnt report my last car payment for the month of XX/XX/XXXX. Its so much fraudulently activity taking place within the company its ridiculous. The Lender refused to call XXXX credit Bureau to close this account that is currently open..stating they dont report to XXXX credit Bureau. I received conflicting information on which credit bureaus this lender report payment history too. This company has destroyed my credit score and stole money from me as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My Inicial Balance Is {$11000.00} the total payment I do is {$10000.00} They say i have a balance due of {$7300.00} I do a payment plan start in XX/XX/XXXX for payment because a loss my job, im pay on time my payment plan and XX/XX/XXXX they repossession the car. now they request i need to pay {$7000.00} for return my XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Account 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 monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: NJ
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:
XXXXXXXX/Equifax/XXXX  credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: NJ
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:
There are items still on my credit report that have been reported more than once. All contacts with FTC and local police department have been made. However these items are yet still on my report : 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