BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$9900.00} 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 2021-07-24
Company: OCEANSIDE MORTGAGE COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage of XXXX on XX/XX/XXXX and Oceanside continues to harass me. The issue is that my XXXX mortgage payment of {$2500.00} was incorrect and does not reflect the agreement to spread escrow over 69 months. This caused my mortgage to be behind by {$260.00}. I set up payment arrangements and I continue to receive letters that I am in default when I have had no issues paying my mortgage by the end of the month. I have contacted the company with no luck. This is my third complaint. My next step is fixing lawsuit against Oceanside.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute letter with on XX/XX/2021 Transunion, XXXX and XXXX regarding a XXXX account number XXXX that was closed due to fraud and Transunion refuses to remove it. 

The account is being reported as bad debit when in reality it was fraud that XXXX XXXX never investigated. 

I spoke to an agent with Transunion today named XXXX XXXX at approximately XXXX and advised that under Federal consumer law, 15 USC 1681i A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This account went into collections even though I advised XXXX XXXX that it was fraud and they never investigated it or verified the debt. Additionally, XXXX XXXX placed a judgment to garnishment my wages and upon proof of facts that they were notified of the fraud and checks written on my behalf, I received a voluntary dismissal of the judgment and the case was closed. 

Additionally, as seen in XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX a consumer reporting agency, was sued and the plaintiff won as the courts found that XXXX was furnishing inaccurate information because the plaintiff no longer owed the debt.

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 2022-08-14
Company: Experian Information Solutions Inc.
State: AZ
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've been a victim of identity theft and have been suffering punitive damages due to XXXX XXXX XXXX in the amount of {$3200.00} on XX/XX/2015 this account is fraudulent. It has been reporting to my Experian! I've mailed them letters with my FTC report # XXXX multiple times with no resolution!

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello there are inquires on my credit report that I do not recognize, transunion refuses to remove these inquires. Per the FCRA section 1681b this is a violation of my privacy. 

Here are the inquires in question XXXX  on 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 2023-04-26
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The financial company supposed to have repoed the vehicle. I gave them the information where the car is located. It was located at the XXXX dealership in XXXX XXXX georgia for repairs. They attempted to repo the car 4 times at the dealership but the dealership said they had to pay a small fee to come on the property to repossess the car. So I think the financial company didn't pay so they didn't repo the car and I never got the car back because it was suppose to be removed there so I dnt know what happened to the car after that but they have the car on my credit report as a open account as if I still have the car. It's been 2 years now and it's still on my report as a open account. I financed the car in 2016. The car is a XXXX XXXX. It's not my fault the didn't repo the car. I gave the the address where it was located and the dealership said they attempted to 4 times but didn't want to pay the lot fee first.

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 2022-10-14
Company: EQUIFAX, INC.
State: SC
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 contacted each credit bureau several times in reference to these accounts on my credit report that I never opened and are not related to me. To date they have not provided me with any verifiable proof of these accounts. All I get back is a simple template letter stating was verified. Here are the accounts in question : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX In accordance with the Fair Credit Act XXXX  the Accounts listed in this complaint, have violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Incomm Holdings Inc.
State: NC
Product: Prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
DISPUTE TRANSACTION INFORMATION Merchant 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 Transaction 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 Transaction Amount {$13.00} {$29.00} XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5.00} XXXX {$50.00} XXXX XXXX XXXX I got my gift card on XX/XX/XXXX but never used my vanilla gift card they refused to give me my money back I believe they stole my information and used it total XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I tried to deposit a check into my BBVA checking account. BBVA automatically stated the check was fraud and closed my checking account. I banked with them for years, I called them and told them to call the company to verify the check was legitimate and they would not contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Unfortunately, after receiving both vaccinations I contracted XXXX I began to make contact with the credit card companies to make arrangements to lower my payments for a short while, every one of my credit cards cooperated except HSBCU, who offered absolutely no options except to close the account. I explained about my illness they did not make any payment concessions. HSBC informed me today that my account was closed back in XX/XX/2021, when I was at the height of illness, HSBC received a payment of {$390.00} in XX/XX/2021 and did not say a word, and another payment today {$530.00}. HSBC was obligated to inform me that my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: MI
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:
The following accounts are incorrect, and is affecting my livelihood. XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 I have requested validation of debt I also sent a notice of dispute attached below sent with certified mail.

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 2021-07-23
Company: EQUIFAX, INC.
State: FL
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: Information is incorrect

Complaint:
Everytimebi try to verify my identity for whatever reason online by answering credit question I cant do so because there is things on my report I dont reconize.Also I was told that I had a credit card that was opened in my name and I didnt .Also there is a car lease on the report. In XX/XX/XXXXthat I also did not apply for.let along get a car.And a student loan that I never recieved. What do I need to do because obviously someone is using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I discovered it in autumn of XX/XX/XXXX when I tried to open a credit card with XXXX XXXX. 
I believe my information was stolen after my first visit to the US in XX/XX/XXXX and used from XX/XX/XXXX to XX/XX/XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XX/XX/XXXX to autumn XX/XX/XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. 
I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not XXXX and XXXX XXXX. 
I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. 
XXXX is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. 
XXXX went even further and started selling this account to credit collection agencies and these started reaching out pushing me to pay for something I never owed. Every investigation result they send me is the same template. The investigation team never reached out to me even after they promised me to get me with the investigator. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Please assist, as at this point I dont even know what to do as these banks are straight harassing me with no reason for this messing my perfect credit history. 

Account numbers are the following : XXXX XXXX XXXX, opened XX/XX/XXXX, {$25000.00} XXXX XXXX XXXX, opened XX/XX/XXXX, {$16000.00} Both accounts are charged off. 

Please let me know if you need any additional information on 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 2018-09-10
Company: Paypal Holdings, Inc
State: VA
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/XXXX, three unauthorized credits of {$390.00} were made to my paypal account totaling $ {$1100.00}. The same day, thirteen {$49.00} and fourteen {$40.00} payments were debited from my Paypal account totaling {$1100.00}. Next, on the same day (XX/XX/XXXX ), three more unauthorized debits of {$390.00} were made on my account leaving me with a balance of {$1100.00}. I did not authorize any of these transactions and further, the bank associated with the transactions is called XXXX XXXX ( XXXX XXXX XXXX ). I've never had an account at this bank. I believe my account has been compromised, and when I call the phone number posted on their website, there are 1.5 to 2 hour hold times. I've also alerted Paypal through their website to my problem and nothing is happening. No contact, no callback or email - nothing. Just a continued balance on my account for {$1100.00}. I'd like to cancel my account, however this is not permitted, because they indicate on my account page their may be suspicious transactions ...?? They indicate I can clear up the suspicion by providing bank statements etc, but I do not want to provide that because I no longer trust they can protect my information. Hoping reporting this to the CFPB will assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
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: Information belongs to someone else

Complaint:
It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any account and information which was found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : 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  If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: Thaxton Investment Corporation
State: SC
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a credit monitoring email alert that a collection was placed on my credit report by Transworld System Inc for the debtor XXXX. I never received ANY written notice about a debt owed to XXXX from Transworld System Inc. I never received a final bill from the debtor XXXX. I had no idea that I owed XXXX anything. After receiving the credit monitoring email alert about the collection being placed on my account, I called XXXX directly to confirm that I actually owed them. It turns out that I had a final balance that was due on an utility account I closed in XX/XX/XXXX. I told them I never received a final bill from them and had no idea that I owed this amount. XXXX confirmed that they had an incorrect address to send the final bill to. The address they had was the same as the service address. I never received an opportunity to see a final bill, review the final bill or dispute the final bill- for over 5 years. Transworld System Inc NEVER sent me any notice or bill in writing saying that this account was in collection - I never received any opportunity to pay for this account before they put it on my credit report as a collection. Had I known that I owed XXXX in XXXX I would have paid the account right away- but I never had that opportunity before they reported it as a collection. I've paid the account to XXXX- but it should have never been reported as a collection. I've asked Transworld System Inc. to remove the collection account because I was never given the opportunity to verify, confirm and pay the debt before it was reported as a collection. They have not removed the collection from my credit reports- they just updated it to show it was paid.

Company response to consumer: Closed with explanation