BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as 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 explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear XXXX XXXX XXXX ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Inquiry from XX/XX/XXXX + XX/XX/XXXXClosed Closed on XX/XX/XXXX XX/XX/XXXXClosed Closed on XX/XX/XXXX XX/XX/XXXX DUAL CARDClosed Closed on XX/XX/XXXX XX/XX/XXXXClosed Closed on XX/XX/XXXX XX/XX/XXXXClosed Closed on XX/XX/XXXX XXXX XX/XX/XXXX PLCCClosed Closed on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Nathan & Nathan, P.C.
State: AL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received notification from my job about a garnishment from XXXX XXXX XXXX XXXX XXXX. Per the notice they were garnishing me for {$14000.00} at a rate of 25 % of disposable income. I called and talked to XXXX at Nathan and Nathan, PC - the lawyers representing the trust. His number is XXXX ext. XXXX. XXXX told me that this was a lone from XXXX XXXX back in XX/XX/XXXX and it was a private student loan to attend XXXX XXXX College for XXXX. I advised him that I have no knowledge of this loan and that I needed him to send me documentation showing that they not only own the loan but that I signed a promissory note with them - he stated that he would. Prior to this I have never heard of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, or Nathan and Nathan, PC. This has never reported to my credit report nor have I ever received any notification to verify this debt. According to the paperwork, the judgement was issued XX/XX/XXXX - I also have no knowledge of any court proceedings for this matter. I have done plenty of research on this company and I see they are being sued left and right for using false affidavits and misleading information to collect on debts. I will fight this all the way if I have too - there is no way that I am going to pay on a debt that is 14 years old to a company that I have no knowledge of. Please take this consent serious and help me and I am sure plenty other consumers from these deceptive practices.

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 2023-08-15
Company: Paypal Holdings, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email today XX/XX/23 saying I owed {$480.00} for the purchase of Bitcoin through PayPal. I have never purchased any Bitcoin item and try to use PayPal as little as possible. Certainly not for this. I am not responding to the " bait '', but thought it should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 is missing that should be on the report

Complaint:
Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
XXXXCredit cards*XXXX _XXXX XXXX XXXXXXXX Reported XXXX XXXX. XXXX, XXXX How can there be XXXX XXXX  monthly payment on a closed account. Delete immediately. 
_XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX   monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

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 2020-05-05
Company: EQUIFAX, INC.
State: VA
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 don't recognize these inquiries, i have never applied for these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A fraudulent charge for {$12.00} was placed on my Citibank Debit Card by XXXX. I did not provide XXXX with this card # or the corresponding XXXX  digit security code. According to Citibank it was Mastercard who defacto provided this information to XXXX. I was nether dually i formed by my Bank or Mastercard of an arrangement whereby my PII could be passed without my consent. Furthermore it was a new card number that I was given by Citibank that was used because the old number was recently stolen and used illegally. So I did not receive any notice by Citibank or Mastercard that they would or even legally could without my consent provide my my new number and security code to XXXX. I conceded to trying XXXX but I never provided them with direct access to my Debit card. They however by back door arrangement or agreement to which I was not party acted fraudulently by passing my Personally Identifying Information in the form of my Individual account number and Security code. If I was allowed to be in the room where hese backdoor deals happened I would utterly oppose unauthorized use of someone's PII ( including an assigned unique individual Accoint # ) without their consent.

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion is a fraud. Their investigation was a sham and did not correct my credit report. They fraudulently closed the investigation XX/XX/XXXX without accurate results that my XXXX XXXX balance was XXXX. When I called, all XXXX  answered the phone and could barely speak XXXX. In retaliation for complaining, they closed the dispute and refused to correct the report. The manager was arrogant and rude and not helpful.

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 2020-07-22
Company: Experian Information Solutions Inc.
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 is missing that should be on the report

Complaint:
Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
**Credit cards** _XXXX XXXX DELAWA Reported : XXXX. XXXX, XXXX How can there be XXXX  XXXX   monthly payment on a closed account. Delete immediately. 
_XXXX - CARD SERVICE Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX  - CARD SERVICE Reported : XXXX. XXXX, XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

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 2020-07-22
Company: COAST PROFESSIONAL INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, My name is XXXX XXXX and I have a student loan in the amount of {$27000.00} that is currently in default. I am writing to express my frustration thus far with what has been my personal experience regarding it's handling and explanation of terms from the lenders end. 30 years now after taking out my first loan and I think I finally understand what is going on after speaking with someone who was actually willing to listen and give me helpful advice for once. I see I have been misled and pushed to the side for way too long. Why is that every time I call my lender I get different information to my questions? Why is it that the only consistent solution from my lender is to set my loans on forbearance? Why does no one warn me that the amount of forbearance available for the term of my loan is finite? Why doesnt anyone clearly and plainly explain to me that forbearance continues to rack up interest on my balance? It looks to do nothing more than financially benefit the lender with this kind of approach, which I suppose makes sense considering they are nothing more than a company looking to increase revenue and profits. I feel like I have been cunningly maneuvered into a path of repayment that will never go away. No one ever reached out to me about options that were better suited to my income and profession. The blatant greediness and constant rush to get me off the phone when I call in drives me to think I have been scammed. Consider this a formal complaint as explanation as to why I now demand my loans be reduced or cleared. I have a family to feed while on limited income in the midst of a global health crisis. It should not take 30 years and taxes/wages being garnished and interest-racking forbearance for me to be in a worse-off position than when I first started!

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 2020-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been requesting information from the three credit bureaus for months now and they do not respond. I have started in XXXX of this year and several request were sent to them. First one XX/XX/XXXX, second one XX/XX/XXXX third one XX/XX/XXXX, most recent XX/XX/XXXX still nothing! Now due to the covid XXXX I spoke with XXXX and they were extending my payment due to circumstances. They reported it as a 30 day late and when I talked to them they said I needed to contact the bureaus and that they will resolve it. Really I can't get the bureaus to respond since XXXX. Long before everything shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Prosper Marketplace, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023, I applied for a personal loan of {$9000.00} at 28.90 % APR by Prosper. I was instructed to submit a utility bill. I then submitted a internet bill which was mistakenly in XXXX instead of XXXX. My documents were denied and my account was closed sent to me by an automatic no-reply email with no explanation. I was not once called or emailed by a real human to explain to me why this happened. On XX/XX/2023 I called Prosper and was told I would be able to resubmit the internet bill and have my account reinstated. Throughout this time, I had kept calling and different agents kept telling me that there was nothing they could do and they had no idea who would be able to help me with this. Finally, an agent told me if I reapplied I would be able to approve a new loan. So I did exactly that but the Prosper website wouldn't let me accept the loan because I already had an account under a different email address. Early this week I called and the agent helping me told me they would email me with next steps on what to do. I have received nothing. Prosper is not allowing me to resubmit documents nor are they allowing me to submit a new loan request under the same hard inquiry on my report. At this point, I keep receiving automated emails about my new loan request that has been approved but I am not able to accept it because of my older account that was closed.

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 2021-12-04
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I wired {$100000.00} to Gemini trust LLC to buy XXXX. I got emails to confirmed these transactions but the fund is not showing on my account. I wrote a lot of emails to ask Gemini support but no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Sequoia Financial Services
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: Public record information inaccurate

Complaint:
I had moved from XXXX to XXXX and I never received the Bill.

I already had talked to the customer service and they promised to remove from collection Sequia Financial Services Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received XXXX calls on XX/XX/2023 regarding someone elses debt. Once I told them they have the wrong number, they ignored me and continued asking if I knew this person even after I told them to remove me from their contact list. They are violating the Fair Debt Collections Practices Act just by their action of trying to reach someone other than the exact person that they are searching for and violating the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Webcollex, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have been working out a debt settlement with CKS Financial. They have my cell phone number and email and I have been extremely responsive about my desire to work out a settlement with them. We have talked on the phone, their chat window, and email. 

I talked to them as recently as yesterday just asking to verify that they own the debt for XXXX as well as what payment methods I could pay with. 

They then decide today to start calling my place of employment. They spoke with a coworker both identifying that they are a debt collector and asking to speak with me. 

I have the screenshots from the employer saying that they are a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, 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:
The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX months that name variation increased on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
# XXXX Request : Where's the Money?

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