BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I responded to email message in payapal, stating I had received an overpayment of {$1500.00} by mistake into my linked credit union checking account, to call phone # in message. Calling # provided, I thought I was talking to paypal, who directed me to view my checking account, which showed a " pending deposit '' of {$1500.00}, and that I had to immediately repay the amount to them, or it would become a police matter against me. Person on phone directed me to buy XXXX {$500.00} XXXX gift cards at local drug store and transmit phone picture of same to them. I did so, under threat, went home and found " pending deposit '' of {$1500.00} to my credit union checking account had disappeared, and was never deposited. I then at last realized I had sent gift card money to a scammer and hung up. I was later able to retrieve {$500.00} from XXXX of the XXXX gift cards that was not cashed in by the scammers. I made a police report to my local police, filed an on line FBI police complaint and filed a fraud claim with my credit union, which was later denied. I emailed paypal several times, on XX/XX/XXXX and then sent them all documents on XX/XX/XXXX to customer service, showing I was scammed of {$1000.00} because of their negligence and failure to protect me from scam using paypal, but they denied they had any responsibility to make my money loss whole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01
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: Their investigation did not fix an error on your report

Complaint:
I have a XXXX XXXXXXXX. Under my FHA home loan and insurance I was protected from these late payments and filed all paperwork and was approved. I have been to court and these collections were dismissed by the judge. 
The credit reporting agencies still refuse to remove them and update my accounts This debt that was dismissed also keeps going back on my report and bill collectors call me back to back every day. Please help me

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 2021-11-23
Company: OneMain Finance Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They claim to be a law firm XXXX XXXX XXXX. Called my family in XXXX gave information that I had a claim number to called their attorney at XXXX XXXX XXXX. I live in XXXX so my family called and gave me the info. I called they said they were taking me to court or filing a judgement against me for a breach of contract on a personal loan with one financial loans in 2016. I never applied for a loan with one financial I asked for original note and they said they will send it when they serve me with paperwork in my county XXXX XXXX. They said their address is XXXX XXXX XXXX in XXXX XXXX XXXX. They also hanged up when I started to ask more questions. I did not have credit for a long time until 2 years ago. Divorced, lost job and went thru a lot for almost 15 years. No way I can get a loan in 2016 I had no credit. They say the personal loan is for 3500.00 they can check my bank never had that loan deposit to my bank and never cashed a check for that amount. I called XXXX Bar for attorneys they are not listed. Other similar complaints showing on notes web site by same XXXX firm charging people with not owed debts. Googled phone is registered by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I received numerous letters from XXXX XXXX XXXX ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, XXXX and Experian which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.

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 2021-11-23
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX $ XXXX Opened : XX/XX/XXXX DSNB XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX DSNB XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: CITIBANK, N.A.
State: WI
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 have a Wayfair account that is through Citibank credit card company. There was a balance on my account that I reported as fraud ( identity theft ) for a purchase that I did not make. I contacted the company ( Wayfair ) and also Citibank. They said they would look into it for me. Wayfair determined I did not make the purchase because I've always paid for whatever I ordered through them in a timely manner and my account balance is XXXX. Citibank shows on my XXXX report as saying the charge was accurate ( which is not true ) and they have refused to delete the charge which is killing my credit score. I have uploaded my Wayfair account to them but I do not trust them anymore. I have been a victim of identity theft in the past and it's not good and it's really hard to recover from that. I've been working so hard to get my credit back up and I try to make all my payments on time and pay things off as quickly as I can. I want my credit report score to be back over XXXX which it was prior to this fraudulent charge showing up on my name. Citibank is not doing a diligent job of accurately finding out what happened. I have not been given any proof that I made a purchase and have not seen a product for the price. I did not purchase any type of Internet service from 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2023 I sent my FTC report, Florida driver 's license to XXXX, TransUnion, and XXXX. I have notified them about fraudulent accounts on my consumer 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 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit was ran multiple times on the same date I called XXXX and XXXX XXXX  multiple times since XXXXFiled two cfpb complaints and corrections still not fixed. I filed paperwork for small claims court in XXXX county because I keep getting runarounds. I am pursuing XXXX lawsuit in small claims court.Court date is set for the end of XXXX gave them ample amount time to fix the issue. So I am asking for XXXX and XXXX dollars for court filing fee reimbursement.

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 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received a statement ( XXXX ) from Capital One and I paid my account in full ( so I thought ). I went in to check my account to make sure it showed a XXXX balance and to my surprise there was a {$3.00} charge that they said had accrued from XXXX. I asked, how could that be and why wasn't it included in my balance on my XXXX statement. They tried to explain which only they would know how it is calculated and there is nothing on my statements other than the statement that says " Interest is accrued daily ''. They told me that I had to call to actually get a payoff amount in order for my account to have a XXXX balance. 

My concern is that no one can do the figuring on their own credit card according to what I was told. Also, if someone wants to pay off their account in full, it should be stated on the statement to " Call for an actual payoff amount ''. I have not had a problem paying off any other of my credit cards and then to see a continuing running balance because of something that is not stated on my statement. I asked for a waiver of the {$3.00} since it was not noted but to no avail. I then asked what was my payoff amount and was told it was {$3.00} if paid today, which I did. If I had not asked about the payoff amount, my next statement would have had another amount on it that I would not have known amount which could have resulted in an unpaid credit card ( if I had not checked ) and they would have reported me to the credit bureau. 

This should be made clear on your current statement that you have to call for a payoff amount. 

Any other credit card that I have paid off has been a {$0.00} balance as long as the amount of the balance showing was paid by the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
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. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 a victim of identity theft please remove this fraud inquiry 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 2023-01-26
Company: Experian Information Solutions Inc.
State: AR
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 disputed an entry on my credit report with XXXX XXXX concerning XXXX Bankruptcy and the only response I receive is verified information so how is it verified information if the courts do not report to the ( XXXX XXXX XXXX XXXX XXXX in which I have included a letter stating that and XXXX  also has stated they do not report to the credit reporting agencies it is also included so if the information is not verified from the original creditor how is it verified information? 
I have asked for validation of notice of how and from whom this information was verified with and no response the only letter I receive back is verified information which is not verified cause the original creditor does not report to the credit reporting agencies.

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 2022-02-25
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan that was originated with a now defunct company. The XXXX XXXX 's office went to court and got an injunction against the company because the loans were deemed predatory in nature, the XXXX XXXX stipulated that the company or their predecessors would modify the loan in a fair and reasonable manner. This has not been the case, the amount they are requesting is multiple the amount before the XXXX 's office got involved. I am getting the run around and they are trying to take my home. This is my third complaint to CFPB, once they are contacted by you, they have boiler room staff cutting and pasting a non sensical response to waste time to seem like they are actively trying to resolve the issue when they are really obfuscating the truth to XXXX my property from under me. I was told yesterday to call back they are working on it, only to be denied and foreclosed on. Please get on these people this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion is discriminating against me by continuing to report incorrect information that is NOT mine. I have disputed this till I am blue in the face and they continue to downgrade my credit and deny me credit because of Transunion refusal to properly investigate these companies lies. I have disputed XXXX XXXX because I DON'T OWE THIS MONEY. THEY DID NOT PROVIDE THIS SERVICE AND I WILL NOT BE GIVING MY MONEY AWAY FOR FREE. Transunion is reporting a different score to me than they give creditors by as much as XXXX points without an explanation. They told me my credit score was XXXX and they told a creditor today it was XXXX How on earth do they give a XXXX points lower score

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have been disputing my credit per the FCRA. I have submitted the correct paperwork showing I am a victim of identity theft. The paperwork is not being attached to my disputes and not being processed correctly per the FCRA. Also I have been asking for copies of the verification process and not getting anything. 

This is the 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NY
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am open this case again because Bank of america kept close the case without give me an answer. 

First : Iam requesting bank of America to provide me the steps and the process that the bank has been taken to protect my money and my account from the fraud as their liability to protect my money. 

second : the bank did not informed me that my account under fraudulent, just the bank and the managers when i called to see why my account freeze they kept told me that the account under hold and investigation they refused to informed me that my account under fraud. 

Third : I have been in FBI XXXX  XX/XX/2017 to  complain that i got fraud and the company scammed me and the bank seized my money. 
An agent on duty the was called the bank trying to help me and explain that iam a victim and under fraud and the FBI Agent asked the staff in the bank in the close account department why you did not recall her money why you did not protect my account the staff replied that the bank will not recall because the money in the danger area. 


please am request bank of america to send me and my lawyer the steps that has been taken to protect my money and to protect my account as a customer and the liability for the bank to protect me. 


why you did not informed me that iam under fraud? 

why when i told you as the bank dont resend the money to XXXX XXXX their are scamming me and i have instruction from them to wired the money, Nobody from the bank hear me or applied to take from me any information to help me. 

Please send me the steps and the action that has been taken from the bank to protect me. 

please dont close the case without send me the steps and the action that has been taken from the bank Thank you

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 2023-03-24
Company: EQUIFAX, 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:
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 explanation