BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act these accounts below have violated my Rights XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have neither opened nor applied for. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove the following accounts and hard inquiries from my report : Accounts : XXXX XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX XXXX {$0.00} Hard Inquiries : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX 'S XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX - Inquiry - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX - Inquiry : 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 2023-10-22
Company: ROBINHOOD MARKETS INC.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
They do not display any fees or any warnings that their limit orders do no work like standard limit orders on every exchange, and even how their stock limit orders work. I placed a limit order to sell Bitcoin at a specified price, they sold the Bitcoin for far less than my specified price, resulting in a loss. See attached which shows the limit price and the price they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I never had a collection account with this collector XXXX XXXX. Please delete this account from my credit report and send me an updated copy showing the results. You are also reporting incorrect information. The account was purchased On XX/XX/2021, from XXXX XXXX, XXXX. This was mailed to me on XX/XX/2021. You are reporting that it was opened on XX/XX/2021 which is inaccurate. I am demanding that this account is removed from my credit report immediately.

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 2021-01-14
Company: Experian Information Solutions Inc.
State: NC
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:
Experian has refused to supply proof of investigation of a fraudulent account XXXX XXXX XXXX, XXXX XXXXXXXX ( I have been a victim of identity theft as they have noted on my credit file ) on my credit file. I have written Experian on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA Experian is required to supply proof and method of their investigation. Experian has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm.Therefore, I'm giving one fine goodwill reach our before suing under section 616 Experian also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true and Experian has again used another stall tactic in order to circumvent the law. Experian has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX  Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been experiencing extreme Identity Theft and Cyberstalking since XXXX XXXX Credit Reports have been accessed excessively via Experian. I put a Security Freeze on all my credit reports to help. 

Recently, XXXXXXXX XXXX to present, I have been trying to temporarily lift my security freezes. As soon as I go to set up the new account the security freeze has been put back on and not by me. 

Have called several times with no explanation and they claim there are no online accounts set up but that doesnt seem to be the case because I believe thats exactly how they are changing the security freeze status. 

Experian has basically refused to provide me with all my credit reporting information even though I have followed the proper procedures to request the information. They have given me repeated bogus excuses about all the activity on my report. 

I know who is doing this and need information from Experian to help get evidence. 

What kind of Criminal would put a Security Freeze back on your 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX, XXXX XXXX XXXX, and XXXX have 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Eres un XXXX I got call and email from my bank. I can't pick up call but later I check my account online it shows ( XXXX XXXX IN XXXX CA ) they charge me {$230.00} from my account and then they refund it to me. Then I call to bank what's going on and they said we block ur card and we can send u new card in 6 days. I ask them how it's possible who try to use my card or online banker don't give me answer he said maybe someone try to fraud with u That's why I'm complaining about that I wan na know who trying to do this.

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 2023-07-31
Company: HW Holding, Inc
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has been calling, sending emails and text messages for different amounts ranging from $ XXXX. The calls started on XXXX-current ( last call was XX/XX/23 @ XXXX ). This company has harassed me non-stop, threatening to sue me, and put the information on my credit in which they did. The representatives have all said different amounts owed and also impersonated someone else to get me admit this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my fourth 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. 
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 2021-01-14
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an extended fraud alert on my experian and XXXX  credit reports that are preventing the proper information to be processed on my credit. I have contacted both bureaus to address this issue with no success

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 2021-01-14
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I inadvertently made a charge to an incorrect merchant on PAYPAL. Since then, PAYPAL customer service is next to nothing. I contacted the person/merchant to get my money back to no avail. I received a response in a foreign language ( XXXX I believe ). Trying to contact PAYPAL now is an exercise in futility. They claim they can't find the charge of {$100.00} yet they paid it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Dear Experian, and XXXX and CFB I am writing to you regarding a discrepancy in my credit report. I have requested proof that two accounts from XXXX XXXX belong to me, but I have not received a response for one of them. All the time I get a response that you verified the information and it's accurate. These two accounts are still showing in my report and affecting my FICO score negatively. also, your report shows both accounts are charged off and yet you are showing payment is due and I have gone over the limit. can you clarify? how charged account payments become due all of a sudden? This is causing me difficulties in obtaining a car loan. 

I have tried to contact you by phone and email, but your call center is closed, and I have not received a reply. I am very frustrated and disappointed with this situation. I need you to either delete the account from my report or provide me with proof that it is mine. Why is XXXX XXXX increasing my credit limits while not verifying my accounts? 

You are my last hope to resolve this issue. Please take action as soon as possible and help me. I need proof that this account is Mine. It has been over 6 months and accounts are not resolved. 

Sincerely, 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 2021-01-14
Company: National Medical Administrators, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I know for a fact someone stole my credit card information and I lost over 400 dollars but this was like six months ago. I got the problem solved by getting a new account and a new card with new passwords and now I get this saying I owe them more money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing this complaint on behalf of the Homeowners, I have been assisting them since XX/XX/XXXX with their FHA Mortgage loan being serviced by Carrington. 

The couple fell behind with their mortgage initially due to XXXX and was offered and accepted a modification in XXXX XXXX. However, due to ongoing financial hardship they fell behind again and reached out to me for assistance with their XXXX XXXX  application as they had received a denial from XXXX  XXXX. I assisted with an appeal to XXXX  XXXX, they had misread one of the homeowner 's pay stubs. The appeal was approved and the application has been able to move forward. 

XX/XX/XXXX : Carrington Mortgage was informed of the XXXX XXXX application and requested a stall in any foreclosure action. XX/XX/XXXX Carrington Mortgage was contacted for follow up as homeowner received a letter from XXXX XXXX XXXX ( attached ). 

XXXX  XXXX sent a request to Carrington Mortgage through the portal for an " I '' report on XX/XX/XXXX according to homeowner and confirmed verbally by XXXX  XXXX on XX/XX/XXXX. 
Housing Counselor has made several calls to Carrington Mortgage to encourage providing the requested information. On XX/XX/XXXX Housing Counselor was informed by Carrington that they received the request from XXXX  XXXX on XX/XX/XXXX ( not the dates XX/XX/XXXX as stated by XXXX  XXXX ) XX/XX/XXXX : Housing Counselor spoke with homeowner stating a package was attempted to be delivered today from XXXX XXXX XXXX but her XXXX  XXXX  was not able to sign for. Assumes it is XXXX action. XXXX  XXXX reviewed, states XXXX  XXXX filed XX/XX/XXXX. ( attached ) Conference call made to Carrington Mortgage, customer service rep confirmed XXXX action and stated to call back weekly. Call was made to XXXX  XXXX, customer service rep stated they are still waiting for information requested to be provided by XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: OK
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 a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX XX/XX/2022 {$940.00} XXXX account XXXX {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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