BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: FISERV INC.
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX my husband and I received a One-Time Contribution from CA Middle Class Tax Refund in the amount of {$1000.00}. On XX/XX/XXXX I went to the XXXX  XXXX XXXX near my house in XXXX XXXX, to withdraw the XXXX amount possible of {$500.00}. I was successful in withdrawing the {$500.00}. My balance after that was {$540.00} after some fees were applied. A few days later, I attempted to withdraw another {$500.00} at an ATM in XXXX, which is the city where I work. The ATM did not release the money. I was confused and assumed user error, so I tried at another ATM, and again nothing happened. It said there were insufficient funds. I knew there was a balance of over {$500.00}, so I was very confused by this. I then called the customer service number XXXX to see what my balance was. The automated service told me that the current balance is {$21.00}. I started doing some online research, and saw many news stories of funds being stolen from the CA Middle Class Tax Refund money network cards, and realized I was a victim of this as well. I have faith in government programs and that this would be resolved, so I didnt act on it right away. 
On XX/XX/XXXX I called customer service and filed a dispute. The customer service representative told me there was a transaction on XX/XX/XXXX for {$520.00} in XXXX. This was XXXX day after my card was activated and money had been withdrawn. The charge or withdrawal of {$520.00} in XXXX was NOT done by me or my husband. The card was with me the whole time, so the card itself was not stolen. I dispute this transaction of {$520.00}. Following up on this, I was recently told that my dispute was denied and closed. How can this possibly be closed and denied? It is clear that the hackers/ spammers were jumping on funds as soon as the card was activated and used, and this is what happened to me and my family. Ive included a list of the transactions to clearly communicate the dates and transactions that are being disputed and appealed. 

XX/XX/XXXX {$1000.00} One-time Deposit CA Middle Class Tax Refund ( Balance {$1000.00} ) XX/XX/XXXX - {$1.00} ATM Withdrawal Fee ( Balance {$1000.00} ) XX/XX/XXXX - {$500.00} Withdrawal XXXX XXXX ( XXXX {$540.00} ) XX/XX/XXXX - {$1.00} ATM Withdrawal Fee ( Balance {$540.00} ) XX/XX/XXXX - {$520.00} charge*TARZANA XXXX XXXX ( DISPUTE THIS XXXX ) ( Balance {$21.00} ) I am filing this complaint to recover the {$520.00} that was stolen from my account on XX/XX/XXXX in XXXX. I filed a dispute to Money Network and it was denied. If you need any further information, please let me know and XXXX happy to provide it. Thank you for your time and effort in 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 explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-07-08
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MOHELA increased the interest rates on my student loans. My loans were transferred from XXXX XXXX to MOHELA when I submitted the XXXX form. Starting in XX/XX/2023, I alerted MOHELA that the interest rates were higher. They never fixed it and refuse to reply in writing. They simply respond by saying that I need to call them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXXS Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Advance America, Cash Advance Centers, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a certified letter stating that my loan was finally paid off on XX/XX/XXXX! This was after they dated and sent out the letter on XX/XX/XXXX! I contacted the company on XX/XX/XXXX to find out that my loan had been paid off and I no longer owed Advanced America. I have since had to contact them 2-3 times a week to see if they have received my over payment check back in the mail. I contacted the company on XX/XX/XXXX to receive an attitude for the worker. I was told that they can cancel the check that was mailed to me after it was sent to an address no longer used. I received the letter stating that my loan was paid off at one address but they mailed a check to another address! 

It would then take 2 months for them to issue me a new check! That is completely unacceptable as they didn't think twice about receiving the money from them so why should they need this long to issue a new check? 

I do not appreciate getting an attitude when I am asking because I need the money as once again I am hurting for cash but I refuse to take out another payday installment loan! There are other ways of handling things when I am not even giving you an attitude. Since XX/XX/XXXX I have had to contact the company and contact the post office to see what is going on! I have wasted more of my time than should've been needed to correct this in result of using this company. 

I was indirectly called a lier as Advanced America does not send out certified letters however I received a certified letter in the mail at my home stating that my loan payments were completed. The employee continued to give me an attitude and state that they do not send out certified letters when loans are paid off but I can be sure to bring it into the location just to prove that I received it. 

I am unsatisfied with the treatment I have received from the employees at this company. There has been no problem up until now ... .why? Because my loan is paid off?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$3600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
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:
Re : Account Number XXXX XXXX/XXXX  This alleged debt collection account is erroneous and it is hurting my credit tremendously. I have sent certified written letters requesting Experian to investigate this account. It's been more than 1 year and I still haven't received any correspondence from this bureau regarding this erroneous account. I did not open this account and I want it removed 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 2022-02-18
Company: NAVY FEDERAL CREDIT UNION
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: Was not notified of investigation status or results

Complaint:
Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement NAVY FCU on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX, and/or XXXX ] consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides XXXX A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not Give Written Instruction to do and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). I have not initiated any transaction with NAVY FCU. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with NAVY FCU for review or collection. 
Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously notified XXXX XXXX that they was reporting inaccurate on my credit fie that they maintain under my social. Yet and still they still continue to report this inaccurate information. I have notified them on numerous times that this account did not belong to me and I have been a victim of identity theft concerning this alleged account. Yet they claim that they have verified this information with XXXX. How is this possible and they cant even verify the information with me. After speaking with XXXX they claim that they have sent Experian correct information thru regular communication channels to delete this account from my report yet they are still continue to damage my credit file with this inaccurate information. They have no contract and no proof that this account belongs to me so how in the heck are they reporting it to and claim to have verified it. WHOM DID YOU SPEAK WITH AND WHAT DID THEY SEND YOU BEARING MY SIGNATURE?? This account does NOT BELONG TO ME AND I AM A VICTIM OF 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 non-monetary relief
Consumer complaint received 2023-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received mail stating a Bank of America account was opened in my name and that they needed my id to continue opening the account. I phoned the number on the mailer telling them that it was fraud and to close out the account immediately. They went on to say I needed to send them all of my personal info so that can do an investigation, I told them no. I continue to receive mailers stating they couldnt close it out because I did not provide my SSN, ID, RENTAL records, etc. I alerted experian of this issue. I just dont think it is right to submit my personal info to close an unauthorized account to begin with.

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 2023-06-20
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:
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 2022-07-13
Company: Experian Information Solutions 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 XXXX XXXX Account # 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 an 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 explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 asked Transunion and XXXX XXXX  to fully investigate an error on my credit profile over 90 days ago. I become aware of the fraud accounts during an annual security check. Since XXXX I have lived and worked only in XXXX, and XXXX. 

I learned that a third party opened many accounts with a close approximation to my name in XXXX at an address in XXXX Texas that I have never lived at or that I am familiar with. XXXX bought a fraudulently opened account they claim to be my account from XXXX XXXX. 

XXXX XXXX has admitted the account is fraud, and even advised that the last name on the account was XXXX, not XXXX! Yes, the name of the guy from XXXX. 

They then sold the fraudulently opened account to XXXX. 

XXXX refused to remove this account which clearly is not my account, from my credit bureau. They have threatened to sue my XXXX XXXX XXXX father. 

I demand that Transunion, XXXX  XXXX, and XXXX are sanctioned for their illegal actions against me, in violation for the Fair Debt Collections act, and in violation of the Fair Credit Reporting Act. They are unable to produce any proof that I ever opened the account, because I did not, and I was not even in the United States when the fraud activity occurred. According to 15 USC 1681i TransUnion has 30 days to investigate and send me the results. They failed to do so, and even asked you for more time 30 days ago! 


This is not OK.

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 2023-03-17
Company: Accurate Background
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Accurate Inc. According to 15 Untied states Code 1681 ( A ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Should not be reported. However the information on the report antedates in the scope of law by 12 years. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. After notifying the Accurate INC of out scope information and inaccurate information must be removed on XX/XX/2023. Accurate fail to follow rule 15 United States Code 1681 ( N ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum ofXXXX dollars.such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. After receiving a conditional job offer XX/XX/2023. I completed all the steps successfully up to this point. XX/XX/XXXX I received adverse letter stating was criminal findings.Due to this report my employment was rescind. After careful examination I discovered inaccurate and out scope information alone with fair act reporting violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
PayPal Emailed me that my account was permanently limited this is the reference ID ( Ref ID - XXXX ) the email says that After a review, PayPal decided to permanently limit my account as PayPal found potential risk associated with it. 

for me its not fair that they banned my account due to potential risk because my account is fully verified and I don't have any disputes in the account and about funds I'm not receiving yet big funds and if ever I receive big funds in the future for me its okay because my business account is fully verified and i have a website which payments came from, and I also complete all the documents needed in my website like proof of business registration and address, that's all legit even you search it to the website in the business registration input the business name and number so you can see that the documents that i send was legit and true.I think PayPal did wrong to this decision, I thinks its their auto system that decides the decision not the support or the executive person., the email was auto generated., I want to become an established seller in the platform that's why I'm very careful in my account like I only log in in one Pc and one browser from the first time I use it, PayPal know that., I think PayPal did wrong their decision., I want to make this things clearly and restored my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2022 I spoke to my local US bankruptcy courthouse here is XXXX XXXX Nevada. I was advise by XXXX XXXX that Bankruptcy court does not give out personal records regarding bankruptcy to ANY 3RD PARTY companies AT ALL. That is against the law to share any personal information with anyone. I have made many attempts to get the credit Bureau to remove of my credit due to the fact they had no rights to add the bankruptcy to my credit report at all without my permission.

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