BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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 am submitting this CFPB Complaint to contest the presence of fraudulent items on my credit report. After recently receiving a copy of my credit report, I was dismayed to discover that several accounts and information were listed that I did not open nor have any knowledge of. The accounts in question include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  Balance {$2500.00} XXXX XXXX Balance {$7400.00} XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XXXX XXXX # XXXXXXXX XXXX Balance {$390.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$670.00} XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX. I confirm that I did not authorize the opening of these items, nor did I grant permission for anyone else to do so on my behalf. I strongly suspect that these items are the result of identity theft, and I am taking appropriate measures to report this to the relevant authorities. Kindly provide me with a written response to this dispute, including the outcome of your investigation. I also request that you send me an updated credit report after the elimination of the fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Transunion has violated my rights to privacy by reporting my personal information and my private transactions and experiences on my consumer report. An I tried several times to resolve this issue it is causing me emotional and financial damage They weren't given consent or permission to do so. This is a civil liability violation and penalty can and will be implemented for damages sustained This my third an final time I filed complaint an no response per this complaint number. Failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please understand verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. 
XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2023-04-04
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:
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

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 2023-01-12
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:
thee companies are reporting inaccurate information and accounts that do not belong to me I have also noticed a number of inquires that I haven't made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 2022-10-28
Company: Spring Oaks Capital, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SPRING OAKS CAPITAL LLC at XXXX XXXX XXXX XXXX, VA XXXX- This collection account has been reported as having passed due balance of {$390.00} on my XXXX credit report ( ONLY )- I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

Note : This complaint is NOT for verification, this company couldnt provide me with ANY paperwork showing 100 % VALIDATED proof that I am responsible for this alleged debt. SPRING OAKS CAPITAL LLC, MUST provide me with the following with 30 days. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Credit Karma, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
They keep sending me credit card offers and sweepstakes telling me if I opened an account I could be entered I had my refund deposited into Thier account and they kept asking me to set up an account like I never did and then with they kept saying my approval odds were good to excellent to get a credit card and I got denied credit karma has been doing this to me for the past XXXX years on and off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CAINE & WEINER COMPANY, INC.
State: AZ
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:
Ive requested specific information to be provided : Original contract with signature, creditors information, payment history with itemized billing associated and proof of owner. It has been well over 30 days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Halsted Financial Services, LLC.
State: NV
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/2019 a letter was sent to the original creditor XXXX XXXX XXXX, to validate the alleged debt they claim I owe them. The original creditor XXXX XXXX XXXX, sent a letter back to me, dated XX/XX/2019 stating that the ownership of this debt was transferred to XXXX XXXX XXXX. XXXX XXXX XXXX was also sent a validation letter on XX/XX/2019 since they are reporting the debt as well but they never responded to my request for validation. 

On XX/XX/2019, I sent another letter to XXXX XXXX XXXX, advising them that the letter they sent was NOT validation of debt, as I have requested, since they are the original creditor. One XX/XX/2019, XXXX XXXX XXXX responded, stating they " addressed the request in a previous communication '' and they were under NO further obligation to provide any additional information and WILL NOT address duplicate inquires in the future ''. The issue will this is that as a consumer, I have the right to ask for validation of the alleged debt that the ORIGINAL creditor is reporting to my credit report, to ensure that the debt is mine and / or reporting correctly etc. Im not understanding how XXXX XXXX XXXX addressed my inquiry in a previous communication? 
What was stated is that they no longer have the debt, however as a financial institution those records should be readily available and to tell a consumer that they will NO linger respond to duplicate inquiries is ludicrous and asinine. 

XXXX XXXX XXXX, obviously CAN not provide the required verification of debt according to FDCP. 

Also, I received a letter from Hasted Financial Services stating that they are the beneficiary of the debt now, however XXXX XXXX XXXX is stating that XXXX XXXX owns the debt AND not to mention XXXX XXXX XXXX is reporting this erroneous information to my credit report but they don't even own this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions 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:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize XXXX XXXX ACCOUNT OPENED XX/XX/2015 {$11000.00}

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 explanation
Consumer complaint received 2023-08-24
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the CFPB 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. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 
XXXX5 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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
because of the pandemic, which resulted in a lockdown of the ecnomy my wife was furloughed from her job and my XXXX a XXXX XXXX XXXX was crippled all non essential workers was barrred from leaving their homes.So we made our XXXX mortgage payment and then opted to use the forbearance provision of the Cares Act as we applied for unemployment insurance to help with household expenses.It took 5 to 6 weeks before we heard from the state due to the backlog and faulty system.When opting in the agent for the servicer explained to me that before the initial 90 days period ended if you needed more time to call and communicate that to them which I did and even went on line to fill out the request on their website.in response I got a form outlining a loan modification, something I never asked about or mentioned the days we have under the Cares Act for forbearance have not been exhausted and we are hoping things will turn in the right direction soon.In the meantime Florida where we live has become the epicenter of the virus we need more time because of the uncertainty of maybe a full shutdown again we want to be treated fairly according to the Law.I feel they are trying to pressure us into agreeing to something we do not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22 two transfers were initiated between my accounts. One for {$150.00} and one for {$1600.00}. Each were transferred from my account ending in XXXX to my account ending in XXXX. 

I did not initiate these, when I contacted the bank, they said it shows my login and that it was done online. After speaking with multiple " fraud '' departments they told me I needed to speak to another specifically for this. After a hold of XXXX hour, an agent picked up. 

I asked it we could find the IP address to identify where this originated, he told me I needed to open a fraud inquiry, I said fine. When he found out that the transfer was between my accounts and did not result in a loss, he said it did not qualify and he could not help me. 

This transfer caused an Overdraft that is causing a Goverment Tax payment to bounce. I have since changed my password, but am concerned as to how this happened and want to get background on the IP address it was performed by. I see no record of it in my audit trail online.

I do not understand why Fraud complaints are so difficult to get the attention of Bank of America

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 2019-04-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended this school in XXXX, I was unable to complete the coursework because the school closed down. The institution is still charge me for the debt. The school advertised and explicitly promised being hired upon completion. However, they lacked credibility there after because I was unable to complete the course work and was left with the death. The company breached its contract by promising upon completion being hired however, closed down in the process leaving me with the predatory loan. I determinately relies on this process, I have been unemployed as of today and my loan debt accumulation keeps increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I 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 2023-07-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To whom it may concern, Im a PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer do business with PayPal email on XX/XX/XXXX. At the advice of counsel, Im sending you a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. I primarily use my PayPal for Purchases like Video Games and Online entertainment. In addition, my PayPal is authenticated Everything I do on PayPal is completely legitimate. My id for my case is XXXX. Heres also a transactions that recently happened before i was banned - XXXX is the the only one i received everything else i purchased was entertainment and it was video games, movies etc. None of these violate the AUP or Anything on Paypal. To be honest, I have no idea what could have triggered this mistake. I reviewed it in in close detail. I looked on Paypal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service, especially if users take their complaints to the appropriate business oversight authorities. I plan to file complaints if my account is not restored within the expected 72-hour window. Please forward this on to the correct internal department that handles PayPal accounts. I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: B9, Inc.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had to order a replacement card for my account. I called in XX/XX/2023 and the customer representative said they placed the order and it would take 7 - 10 business days to receive it. I called in XXXX XXXX to inform them that I have not received it. That representative said an order was never placed but not to worry they just placed the order and it would take 7 - 10 business days to receive it. Once again never came. Contacted them again and was told a replacement card was never ordered but once again not to worry they are placing the order and it would take 7 - 10 business days to receive it. Never got it. Contacted them again and now it's 3 months later and I'm still waiting for a replacement card. In order to pay my bills I had to transfer money to my XXXX XXXX account which has cost me {$69.00} and I've asked to be reimbursed for because it's their fault someone didn't do their job right and I shouldn't have to pay for their mistakes. These are the fees. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Venmo previously held money from me for a period of 3 months, saying I needed to submit my tax information. Despite repeatedly providing that information, their system had a glitch and would not accept it. Eventually, the money was released, and I believed at that time the issue was resolved. However, I received a sum of {$260.00} on XX/XX/22 that is once again being held for the same reasons. They are not responding with any efforts or information about resolving the problem, despite my repeated attempts to contact them. This is the same problem as before, even though I have repeatedly provided my tax information, including business documents from the IRS and documentation of my tax info. I have not had these issues with other money transaction apps as related to my tax info, only Venmo. I have attempted to resolve the issue and venmo is not being responsive.

Company response to consumer: Closed with non-monetary relief