BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received an email on XX/XX/2022 from PayPal saying that a request for money had been made for {$1300.00}. I then logged in to my PayPal account using my password and there was an invoice for that amount. To the right of the amount it said " if you don't recognize this transaction please call '' an 888 number. The person who answered stated that a IPhone 14 was purchased from Michigan under my account, but he could refund my money. Since I was already on PayPal, he then used a program that I had to type in my name and the amount, but he said it had to be done in {$600.00} increments, and I had to be very careful when typing it in. But when I typed in {$600.00}, it came up as {$6000.00} ( I assume they manipulated that ) so then he said I would have to pay that back, and said PayPal banks with Target, and I would have to go buy {$4500.00} in target gift cards, and take pictures and send them to him. He then told me to look at my bank account and he showed that they had transferred the {$4500.00} back, but I was to wait until the next morning to finalize. I was awoken in the morning to a text from my bank that they had taken all but .09 cents from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent two request to remove an inaccurate item on my credit report. Once on XX/XX/XXXX and again on XX/XX/XXXX of 2018 I have received a response both times stating that its valid and verified. On the second letter I requested for them to let me know method of verification because I know that I didnt not have a loan out and the item they are reporting monthly is not accurate and my rights are being violated. I have not been sent anything showing how they verified or investigated

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 2017-11-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX has n't answered my certified by mail and notarized by my attorney about SECTION 609 and 625 of FRCA? They will not show me what was bought or where cash advances were made because I was in a XXXX XXXX XXXX in Another State that would n't let us of campus for the time they aid I used card. It hs ben charged of and used of there taxes bt wont do this legally by sending me the information I asked for 30 days ago. The FRCA says if I did these steps and ca n't proven writing I signed up for card or where and when and how I mused it into 30 AYS UNDER SECTION 609 AND 625 THEY HV TO REMOVE IT FROM CREDIT REPRORTS. I have AL INFPORMTION O0 REGRATOION OF MILSENT AND NPRTERIZED LETERS BUT THEY STIL WONT Release me from this on credit report. They are breaking the law and it has ben 30 days and starting on 60 days of legal FCRA issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the fair credit reporter act XXXX accounts 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 has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 604 a section 2 can not furnish my account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The student loan companies are asking me to pay them back more than I can afford. They want more than 50 % of my paycheck, which leaves me with little to no money going forward

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I received a XXXX back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email moneylion customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: USDA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
In XXXX of XXXX I submitted a modification application due to increased expenses and decreased income over the current year. Upon receipt PennyMac requested additional information to support financial hardship from XX/XX/XXXX. I did not fill out my paperwork for hardship on XXXX. However I tried to provide information supporting hardship from XXXX. I provided W2 and wage transcripts showing a loss of yearly income from XXXX totaling a combined loss of income near {$78000.00}. I provided copies of bills and was told this wasn't sufficient. I asked what documents they were specifically looking for and was told a " bank statement ''. First I don't know what a bank statement is going to show and second I don't have a clue who I banked with in XXXX. When I questioned why they are asking for information from XX/XX/XXXX I was told because I was delinquent the first month the last modification payment was due. I explained by letter why I paid late after the modification in XX/XX/XXXX was I called to make my payment in XX/XX/XXXX and the agent informed me they had no record of a modification for my loan. At a later time I was informed that the modification wasn't approved until the trustee for my XXXX  XXXX bankruptcy approved it. I was not making payments to them before they signed the modification. I again was asked to prove financial hardship in XX/XX/XXXX. I don't know how to prove something I didn't state I had in XXXX. 

I would also I like to mention that I was out on a Covid forbearance for a year from XX/XX/XXXX until XX/XX/XXXX. They never offer a repayment plan or any of the option stimulated my the CARES Act and they pulled requesting evidence of financial hardship in XXXX when I applied for a modification back in XXXX. I got no help and finally was forced to pay the delinquent amount back in fill out of pocket which was over {$6000.00} and included {$1900.00} that was to be paid back in my bankruptcy plan. This was paid in XXXX and XX/XX/XXXX leaving me with {$0.00} in savings. 

I have pulled the USDA loss mitigation guidelines and PennyMac is not following them and refuses to offer any assistance. If they are committed to keeping me in my home why are they playing games?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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:
1. in accordance with the fair credit reporting act XXXX  account # has violated my rights. 
2. 15 u.s.c 1681 section 602 A states i have the right to privacy. 
3. 15 u.s.c 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions. 

4. account # 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 2023-08-23
Company: Experian Information Solutions Inc.
State: OH
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-22
Company: Early Warning Services, LLC
State: CA
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:
I received a email from zelle and I called the support number which is when I tried to explain that they have the wrong email and I don't have a zelle account which is when I was called a bunch of XXXX and XXXX  that it is My account I  XXXX XXXX My kids are XXXX  so I hung up and made a police report along with the email address which it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate information on my Consumer Credit Report.

By Definition the IRS Clearly says a Cancelled debt or charge off/written off debt is Income. The reporting of this account as a debt is in accurate.

INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain Credit for personal and house purposes. PLEASE delete this inaccurate account within 10 business days.

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 2022-05-22
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 XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX, 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 that a consumer reporting agency can not furnish an account without my written instructi
ons.

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 2022-05-22
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I received a message on a job I applied to on XXXX. The company emailed me a check to buy the equipment for the job. The gave me a vendor to use. I deposited the money and luckily I could only send XXXX a day through Zelle. On XX/XX/XXXX I realized it was a scam. I called XXXX to alert them about the check and to stop the Zelle payment. It was too late and now I have XXXX less in the bank. Fees on the check for fraud even though I was the one who called them, and restrictions on my bank account. My automatic payments can not go through because I lost the privilege which I didn't know. I told XXXX  about the job and it is still up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act., as well as the 15 US C 1681a ( 2 ) ( B ) I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX 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 explanation
Consumer complaint received 2022-05-22
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: Reporting company used your report improperly

Complaint:
1. in accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

2. 15 u.s.c 1681 section 602 a. states ihave te right to privacy. 

3.15 u.s.c 16 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
FIRST I SPOKE WITH XXXX ACTUAL DISAPPOINTED IN THIER PROCESS TO UPDATE INCCORRECT INFORMATION ON MY PROFILE SPOKE TO LADY IN FRAUD SHE CLAIM I DID NOT SEND RIGHT FORMS WHICH IS NOT TRUE BECAUSE THEY WHERE IN FACT THE RIGHT FORM TO ADDRESS THE THINGS REPORTING INCCORRECTLY ON MY REPORT.EXPERIAN SEEMS TO NOT BE FIMILAR WITH LAW IN REGARDS OF PROTECTING COSUMER RIGHTS ( XXXX ) I -- -INSTEAD OF TAKING TIME TO RUIN MY REPUTATION 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER XXXX5 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ). 

EQUIFAX STILL PROVIDING GENERIC INFORMATION IN REGAURDS TO INCORRECT INQUIRIES ON MY PROFILE... THE INQUIRES ONLY REPORT ON THERE REPORT ADVISE MY FORMS WAS APPROVE BUT NO FORMAL MOVEMENT IN REMOVING ITEMS THAT I ADVISE WERE INCORRECT ON MY FILE. EQUIFAX ALSO SEEMS TO LACK FCRA KNOWLEGDE AND RIGHT THAT PROTECT CONSUMER FROM BOGUS REPORTING AND INVESTIGATION PROCESS IN BAD INFORMATION ON CONSUMER REPORT ( XXXX ) I 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER 15 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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:
1. in accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

2. 15 u.s.c 1681 section 602 a. states ihave te right to privacy. 

3.15 u.s.c 16 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

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 2022-05-22
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Doctors overbilled insurance company. After insurance company paid bills, they continued to come after me for residual balances that they should have written off because of payment accepted from insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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