BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-05-24
Company: Aldous & Associates, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Aldous is reporting a fraudulent account on my credit. I have filed disputes with the company and the three major bureaus and yet they persist to report account. This account is complete fraud and I shouldnt be held liable for it. Please see my FTC report attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Solar Mosaic LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX XXXX XXXX got a loan for me from Mosaic XXXX XXXX to finance solar equipment for my house. I entered into this agreement with XXXX in XX/XX/XXXX and loan repayment is not suppossed to start until after I have started using the solar system. Mosaic started taking loan repayment from my account in XX/XX/XXXX despite the fact that the solar system is not working. Now I have been paying double for my electricity. I am paying my normal utility company, XXXX XXXX and I am servicing the loan that I haven't started benefitting from. This is completely different from what was sold to me. The main selling point of me buying the solar system is to reduce my electricity cost now I am paying double and this has put a lot of pressure on my family. I have reached out to both XXXX and Mosaic but they keep tossing me around. Mosaic kept saying they can not reach XXXX. XXXX  on their part refunded XXXX cheques for the loan repayment ( for the month of XXXX and XXXX ). XXXX made a promise that the issue will be resolved but now, I can't even reach the company representative. He has stopped answering my calls and replying to my texts. I informed XXXX  that I want to discontinue the project since they can not meet up their obligation, they told me I will pay a penalty of {$28000.00} to cancel the project. XXXX XXXX XXXX and their finance partner, Mosaic XXXX XXXX have treated me unfairly and put me and my family in financial hardship by their business practice. Even though none of this is my fault. 
Please I need your intervention. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated and Harassing Robocalls from Portfolio Recovery. When I have attempted to answer and confront these harassing and unwarranted calls, no one is ever on the line. I have waited for a rep to come to the robocall, with no results. 

( See attached call records from my phone ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company 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 2018-12-10
Company: Factor Trust
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:
I submit a FTC report to XXXX about a dozens of inquiries and a bank account that was open in my name by the name of XXXX XXXX in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with XXXX and it was denied few times and I contacted XXXX XXXX and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... XXXX refused to dispute my item ( XXXX XXXX ) Debt amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: LA
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:
See attached!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Personal information incorrect

Complaint:
I am filing a complaint because I have multiples incorrect personal information on 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 pulled up my credit scores with XXXX XXXX tonight. It was noted I had a hard inquiry on my credit report with TransUnion for XXXX XXXX. It was noted the inquiry was from the dates of XX/XX/XXXX through XX/XX/2023. I have not called, applied or filled out any applications for a credit card with XXXX XXXX. I did not authorize this inquiry!

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 2022-04-05
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See attached!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2017-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed individual items on my credit report before, however, this complaint is specifically regarding the re-aging of accounts. Transunion has re-aged accounts on my credit report that should have aged off of and of of reporting on my credit report. I would like for Transunion to scrub my credit report and remove any aged out accounts being reported, as well as removing any accounts that were improperly re-aged which should have no longer been reportable.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 report 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 I # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 furni instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of cr 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 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 non-monetary relief
Consumer complaint received 2020-09-30
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a very threatening collection letter in the mail claiming that I owe PayPal {$550.00}. I owe PayPal {$0.00}. I have attempted to investigate this matter with PayPal six times since yesterday, but I have not received meaningful contact from PayPal. I was also on hold with the PayPal Collection Department for ninety ( 90 ) minutes today. The attached letter is an attempt to scare me as a senior citizen into paying for something I do not owe. Also, IF I owed anything to PayPal, I would have been notified directly by the company first. Finally, PayPal issued me a refund of {$49.00} on XX/XX/XXXX for a balance on my CLOSED account that PayPal owed me. 
The attached threatening letter has upset me greatly and caused my husband and I unnecessary and unwarranted anxiety and grief. PLEASE HELP ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
On XX/XX/2018 I received a notice from XXXX  regarding a credit alert. This alert shows that derogatory information from BMW Financial Services was reported as a new collection. 

The derogatory information shows as coming from XXXX XXXX XXXX as a collection in the amount of {$560.00}. 

On my credit report the derogatory information is showing as coming from BMW Financial Services Acct : XXXX. This account was a leased vehicle that was paid as agreed and the lease ended in XX/XX/XXXX and all balances were paid in full. 

on XX/XX/2018, I called both BMW Financial and XXXX XXXX and each company stated they do not have this account in collections. However, it is showing up on my credit report and I would like help to dispute it and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Affirm Holdings, Inc
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/XXXX. Received a phishing call ( XXXX ) from someone claiming to be XXXX XXXX saying someone charged an XXXX to my account. They would send me a code so they could stop the payment. I gave them a code and they set up an account with Affirm.com. 
XX/XX/XXXX. I received an email from Affirm that my loan to XXXX Vacations was approved. 
XX/XX/XXXX. I received an email from XXXX Vacations for a trip. Payment method visa XXXX for {$1500.00} XX/XX/XXXX. I called XXXX to report fraud. They said to call XXXX XX/XX/XXXX. I filled out a form to file a complaint at Affirm as they were closed. 
XX/XX/XXXX. I called Affirm and reported fraud. They sent to escalation XXXX XX/XX/XXXX. I called XXXX XXXX to report fraud. They said they would try to cancel but received an email on XX/XX/XXXX saying they would not cancel. 
XX/XX/XXXX. I called Affirm, spoke with XXXX to report fraud again. 
XX/XX/XXXX. I received an email from Affirm confirming my loan and processing my order with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX : {$1900.00}.

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 2022-11-30
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 am a victim of identity theft. On XX/XX/22, I informed the credit bureaus that an account from XXXXXXXX XXXX on my credit file does not belong to me. I have never extended credit there. The Fair Credit Reporting Act says that any time a consumer notifies the consumer reporting agency of any type of information that is a result of alleged identity theft, it must be removed from the consumer 's credit file within XXXX business days. The account is still on my credit file. Also, no account can be furnished on my credit file without my written permission. I did not give XXXX XXXX  written permission to furnish an account on my credit file. My rights as a consumer are being violated. I will not allow this to continue.

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 2023-06-29
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for the Barclay aviator rewards card, around end of XXXX. I did not hear from or receive a letter or a card from barclay. So I figured I wasnt approved or possibly they sent the card somewhere else or it just takes awhile to receive. The terms said you need to make a purchase within 90 days of opening the account. I dont know when that would be.. my definition of opening an account is when it is activated and you are able to make a purchase with the card they send you. They did not send the card until after the promotional term had ended.. so guess what? I dont get my miles, pretty convenient that it is sent after the promo is over, multiple people have experienced the same thing. I activated the card immediately after receiving and made a purchase, and this is verifiable with there records when I spoke to them, barclay is an absolute scam and does not issue rewards as promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX last year I visited Chase Bank Branch XXXX located in XXXX XXXX XXXX XXXX CT. I deposited XXXX Chilean pesos that at the change of that day I should have received over {$2.00} US dollars the girl at the bank said I would get {$2.00} I agreed thinking how hard could be getting to change that money in this area. Around XX/XX/XXXX I found out the bank took {$1.00} US dollars because of a miscounting but I know what I deposited I know how much money I had. Nobody wants to review the cameras I got a police report but they only want an order from a lawyer. This entire situation is making me feel sick. I can't afford a lawyer for this and it's no fear the Bank take my money and the only solution is that I need a lawyer to review the cameras. I found my deposit ticket and I noticed the cashier at the Bank even said that my deposit was XXXX instead of XXXX I remember correctly that we counted 18 groups of {$100.00} each. The money I deposit was in {$20.00} and {$10.00} the bills of {$20.00} have an orange colour and the {$10.00} are blue. On my last call with the manager, he mentioned that they counted 50 {$20.00} bills which makes XXXX Chilean Pesos, but he never mentioned the {$10.00} bills I know there was a mistake and its no fear that I have to live all this stress. I dont know where they lost my money but I know what I had in my hands. Nobody goes to the bank with that amount of money without knowing what they have Do you think you can help me? 
My name is XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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 status incorrect

Complaint:
Verified via credit file with Equifax and XXXX XXXX XXXX is reporting this account as charged off on my credit file. Please investigate proper validation of this debt per FCRA regulations.

Company response to consumer: Closed with explanation