BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/XXXX from my XXXX XXXX XXXX account ending in XXXX I transferred {$42.00} to my Venmo account XXXX XXXXXXXX XXXX XXXX ) The automated systems of XXXX provided me a transaction confirmation of XXXX I never received my funds, When I submitted a support incident I was advised that this was not their issue and that I needed to go back to XXXX which I did and XXXX confirmed that the transaction was XXXX and XXXX  asked me to go back to Venmo Support again . This time they they said there was no way to trace their payments and kept pushing me to a FAQ where they confirmed that I would need to get the police involved. I questioned them about that action because I was the sender and the recipient and that would be filing a false report which is against the law in most states. They stated that I could do that or go back to my bank ( XXXX ) which I did but I pressed them for information about a full audit of my account to be sent to the account on record. They have yet to action that. They also stopped communicating with me regarding my lost money. 

I use this service too much to just not trust that my transactions are not safe and I have some recourse when THEIR SYSTEMS aren't safe and they are following the guidelines that financial organizations are required to follow. 

they refused to tell me what financial organization they report to in regards t financial regulations. The closet I got was The government. I laughed as I pressed what specific organization. They refused to provide that information to me. They did say file a complaint with Consumer Finance Protection if I was unsatisfied though. 

Attached is the full communications between myself and Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to you with a matter of utmost urgency and concern regarding fraudulent accounts that have stained my credit report. Despite previous disputes and attempts to rectify this issue, these fraudulent entries persist, adversely affecting my creditworthiness and, consequently, my ability to provide a better opportunity for my family. 
XXXX XXXX XXXX XXXX XXXXXXXXPLEASE DELETE!!!! 
It is disheartening to see the continued presence of this fraudulent account on my credit report, considering the significant efforts I have made to prove their illegitimacy. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and I am confident that your bureau will take immediate action to address this matter.

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 2021-07-16
Company: WELLS FARGO & COMPANY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine.

2. Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am writing to formally lodge a complaint concerning what appears to be a persistent and concerning pattern of attempts to remove fraudulent items from my credit report. Despite my efforts to rectify this situation, I continue to observe multiple unauthorized removal attempts, raising serious questions about the security and accuracy of my credit file. 

I have noticed several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These actions are not only unauthorized but also pose a significant threat to the accuracy of my credit history. 

Despite the gravity of these removal attempts, I have not been contacted by your agency for proper verification. It is alarming that such impactful changes to my credit report have been initiated without following the necessary security and authentication protocols. 

Given the recurrent nature of these activities, I am deeply concerned about the possibility of ongoing identity theft. I have taken immediate steps to secure my personal information, and I expect a thorough investigation into these matters to prevent any further compromise of my identity. 

I request that you conduct an immediate and comprehensive investigation into these incidents. I also seek regular updates on the progress of the investigation, along with details of any actions taken to address and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2022 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-01-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage relief with OcWen Services a few months ago. They responded last month by raising the interest due on my mortgage by about {$1000.00}. When I asked why, they said I should be paying 50 % of my income to them, so I could afford it. I kept saying I was asking for a lower payment not a higher one. They began calling and harassing me, and when I asked to speak to a manager in the US, they either out me on hold of said someone would call back, and they never did. I paid my usual mortgage payment in XX/XX/XXXX, and they refused to accept it. They say I owe the higher amount each month going forward. I don't understand how applying for mortgage relief can cause my payment to go up so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-06
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: Personal information incorrect

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Transunion does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. The record shall be removed.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act the following accounts listed below 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I ask that these fraudulent accounts be removed from my credit file immediately. 


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 2023-07-03
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/2023 TO WHOM IT MAY CONCERN, ( CREDIT AGENCIES ) I have repeatedly ask if you'll would remove ALL those negative remarks as well of the accounts. I do not owe off my credit report. After repeatedly asking you'll to remove those reporting off my BENEFICARY ) credit. because there is and has been information that is on my ( BENEFICARY ) consumer report that is a result of identity theft. I did not provide permission to be reported starting back when I ( beneficiary ) was XXXX old to this day nor has I ever given permission to ANY/NO CREDIT REPORTING AGENCY permission or instruction verbal nor in writing for the identified transaction to be reported on my ( BENEFICIARY ) CONSUMER REPORT. No one never told me ( BENEFICIARY ), I could opt-out because I have right to privacy. I am also requesting this information that is due to identity theft be block within 4 days being made on the basis of material misrepresentation of fact by me ( BENEFICIARY ) relevant to the request to block the identified transaction. The identified transaction ( s ) are not information related to my transaction by me ( BENEFICIARY ) AS THE CONSUMER. And the law says section 18 U.S. Code 1681.c.-2- 18 U.S. C1028 ( d ) ( 3 ) 15-UC 16 81-C2 FCRA SSA -89 Form I appreciate you'll handling this matter in the time stated. Respectfully, XXXX : XXXX XXXX BENEFICARY UCC 1-3081ITHOUT PREJUDICE XXXX RESERVE ALL MY RIGHTS I DO NOT CONSENT TO ANY HIDDEN OR REVISED CONTRACT ( S ) OR COMERICAL AGREEMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: ID
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: Problem with personal statement of dispute

Complaint:
This is not my account, I did not authorize it and XXXX says they certify its mine after XXXX closed it and sent confirmation it was closed.

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 2023-10-30
Company: Experian Information Solutions 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 filed a complaint with the CFPB about Experian unlawfully, illegally, and without written consent from me the consumer reporting derogatory items on my credit report. I filed this complaint on XX/XX/2023. I received a response that Experian was " investigating ''. I did not request an investigation, I requested immediate deletion due to no written consent from the consumer and inaccuracy. Experian also responded that during their investigation they contacted a " data furnisher '' to verify the accuracy of the account. I am reporting Experian, this is not only illegal this is unethical and not the proper way to validate any alleged debts. I am the consumer, I am the only person that can verify the validity of an alleged debt. Experian illegally reached out to a third party in order to verify information about me the consumer and did not once reach out to me to confirm or deny the validity of these alleged accounts. Any person claiming I owe this debt without my knowledge or including me in the conversation is violating my rights to privacy as a consumer. Experian also responded that they've updated aspects of the account which is also illegal. I did not now nor ever give Experian permission to put false, inaccurate, and financially degrading information about me on their reporting platform. I also received feedback from EXPERIAN that one of the accounts that I disputed would be deleted and that account is still reporting on my credit report despite them claiming they deleted it off my report. This has effected my mental and emotional well being, in addition this is directly negatively impacting my livelihood and creditworthiness. I'm trying to resolve this amicably before bringing the courts into this because then I will be seeking {$1000.00} in damages for each violation.

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 2023-12-06
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:
I am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXX XXXX, opened on XX/XX/2017, with a balance of {$3300.00} I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. 
For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report. 
Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report.

Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it mus
t be removed from my credit report.

Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability.

In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. 
I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX.15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-17
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief