BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
During the first week of XXXX of this year ( 2020 ), I was going over my Transunion credit report when I found two hard inquiries that I did not recognize authorize. Both are from the same company. I sent a dispute letter to Transunion on XXXX/XXXX/2020. The letter was sent certified with return receipt. Transunion received the letter on XXXX/XXXX/2020. They responded with a letter dated XXXX/XXXX/2020. The letter was a generic description of hard inquiries and did nothing to resolve the issue. On XXXX/XXXX/2020, I sent another dispute letter. The letter was received XXXX/XXXX/2020. They are refusing to reply to the 2nd letter and refusing to remove. There was no ambiguity whatsoever in either of the letters. I advised Transunion that I never authorized these 2 inquiries and I want them removed. This is a serious violation of federal law and of my privacy rights. Transunion is wilfully enabling fraud and identity theft and I will make them appear in court if necessary. Everything has been documented and I have copies of the letters. Please see the attached photos and screenshot.

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 2023-08-29
Company: Solar Mosaic LLC
State: FL
Product: Credit reporting 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 XXXX of XXXX  a Company by the name of Solar Mosaic inc sent out a salesman to my home. I initially accepted the offer, but cancelled it within the 3days that youre allowed. I provided all the necessary information to the company & thought it was resolved. 2 months later it has shown up on my credit. This shouldnt have never happens due to the cancellation process I followed according to their policies. I have spoke with them several times, and the have stated that this has been resolved on their end. I would like this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Fair Collections & Outsourcing by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period , Fair Collections & Outsourcing is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Fair Collections & Outsourcing communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ).

Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).

Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Fair Collections & Outsourcing has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Fair
Collections & Outsourcing must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.

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 2021-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital one has been my one and only general credit card service provider. I started with the lowest tier credit card. The card was opened in 2014. My payments have been on-time since then up until this very minute. Two years later, after holding a conversation with a customer service rep, I was offered an upgrade to the highest tier card and I accepted it. Now, they have since introduced a new card and I am inquiring on a conversion upgrade and was told that I am not eligible. I have asked numerous representatives why and still have received no response. With my account history, there should be no reason for me to be ineligible. I have been told constantly that my option are to apply for the new card and have stated that I should not have to apply for a new card. Clearly, their system factors criteria such as race, age, sex, and credit history as a basis for a final decision. Since, my credit history can not be the issue then evidently, I am concluding to believe that my denial is based off of race, age, and sex. My belief is also reassured when they instruct me to apply for the new card. I am a young XXXX male with a great and very impressive credit history so this organization wants me to apply for a new card that I have evidently earned because they want me to add an inquiry and a new card to my credit report and/or illegally and purposely deny me for a new card to attack my self-esteem and character while still leaving me with a negative impression on my credit card that will slowly degrade my social advancement in some shape or form. This is a very simple approach that they are taking which has been used redundantly to slower the advancement of the XXXX race all while waiving a white flag screaming " we are not XXXX '' and giving credit cards to other young XXXX men who normally have no means to repay their credit card debts, but when one young XXXX man figures it out and handles a credit card responsibly, they stand firmly to force men like us back into the cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
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: Investigation took more than 30 days

Complaint:
I sent out a letter To Verify The Accuracy On my Credit Report. They were unable to provide me with a copy of the supporting documentation as proof. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. its been way over 30 days and i have no response.

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 2021-03-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am familiar with the PayPal User Agreement and point out I have not violated any policy or law but PayPal closed my account for no reason and will not help me with getting it back and going. 
I am not sure if this is some mistake XXXX I asume it has to be! 
I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 
I am very affected in these times of pandemic with Covid-19 by this decision of PayPal! 
My email linked to my PayPal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
I see all my credit report that a Wells Fargo checking account has been added to mine and I do not bank with Wells Fargo bank with 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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. 

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 2017-05-08
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I moved into m y partner 's (  not state " registered '' as we were waiting for the federal law to be change d ) ho use with him i n  XX/XX/XXXX  si gning a simple lease.  Mid- XX/XX/XXXX  he got very ill and i cared for him and his 4 elderly dogs until his passing in     XX/XX/XXXX .  i was a beneficiary of the house along with    XXXX   o thers who have told me when the time comes to probate they will withdraw their names from the will as they felt i deserved to be the sole beneficiary. They still maintain that position. I had opted not to go through probate because of  XXXX  in errors in his medical billing, which to avoid liens, needed to be resolved first.     I had called the mortgage company, Seterus ( anonymousl y ) af ter my partner 's death and asked a " what if '' question as to how someone should handle this situation with them. They said if I could afford to make the payments, just keep doing it and do n't report the  XXXX  to them otherwise, they would likely call in the loan. I also noticed this was the general consensus online as well. I made about 15 payments until the middle of   XX/XX/XXXX  I  missed  one  and everything came crashing down.     I tried calling everywhere for help and was told since i was n't the homeowner they could n't help me. HUD, Save Your  Home California, and so many other organizations shut the door on me. Once the notice of default was received i officially called Seterus and they refused to speak to me saying the only person authorized to talk about that account was the deceased borrow! The week of the auction came around and i tried calling the Seterus again and also the trustee begging them not to go through with the sale. Both asked for copies of the death certificate and will. I sent them to both of them and they both said it w as too late and they could n't help me. The house sold at auction on   XX/XX/XXXX  at  {$150000.00} below market value and the $  200,000+  in equity my  partner le ft to me so i could have a better future was gone.That same day i was visited by a representative of new owners, an investment group, and they tried rushing me out. I have been putting up a fight with them but they finally won their unlawful detainer suit and now awaiting the sheriff 's to lock me out along with my partner s 4 elderly  dogs which I 've been caring for. I have nowhere to go, and the money i thought id have for my future is gone. To make matters worse the   XXXX   ive endured over this hospitalized me twice over the holidays. I learned that after 12 years  of maintaining a healthy undetectable    XXXX   XXXX   status,   my   XXXX   XXXX   has crumbled and not technically have   XXXX  . I ca n't believe im about to be sick and homeless over this. This ca n't be how it ends ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I have disputed these ACCOUNTS WITH THE XXXX  FOR VALIDATION AND IT HAS TAKEN LONGER THAN 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 - unauthorized inquiry was added to my Eqiifax report from XXXX XX/XX/2022 - unauthorized inquiry was added to my Eqiifax report from XXXX XX/XX/2022 - unauthorized inquiry was added to my Eqiifax report from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
There was a {$1000.00} unauthorized transaction which Venmo refuses to fix. Further, they refused to provide any documentation regarding why they are refusing to take care of the situation even though Venmo itself offered to provide ( and I requested ) such documentation. Also they will not call me to discuss even though I've asked multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Oklahoma Student Loan Authority
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018, I paid off one of my student loans ( loan 3, group C ) with OSLA. A few days later, I checked back to make on my account via the online interface to make sure that everything had gone through, and it had. I continued to make payments. On XX/XX/XXXX, OSLA sent me my quarterly account summary confirming that I only had one loan outstanding ( loan 1,  group A ). 

On XX/XX/2018, I logged back into my account and noticed that while the total amount of the loan was similar, it had retroactively been divided between Loan 1 ( a 5.3 % interest rate ) and Loan 3 ( a 6 % interest rate ), despite OSLA sending me documentation ( the quarterly account summary mentioned above ) stating that only Loan 1 was outstanding. 

On XX/XX/2018, I contacted OSLA 's customer service. The first person I talked to failed to acknowledge any problem and seemed to not understand what the problem even was ( she said, " well, the total amount is the same, '' seemingly not understanding that the interest rates between the two loans would have an effect. ) She passed me off to her boss who took a similar stance. They only agreed that there was a problem after I sent them quarterly account summary and screenshots of the payments that I made. 

I had checked my account a number of times between making the payment and XX/XX/2018 and all was fine. It seems that OSLA retroactively managed my account to disperse the funds in a manner that would benefit them ( specifically partitioning the money between the two loans ( 1 and 3 ). Their actions seem to define predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transition blocked me from getting report and credit score. It asks to verify auto loans and bank accounts I never had prior to giving access. There must be identiy theft of my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My wallet and all personal information was stolen in 2018. On my first time obtaing a credit monitoring app recently, i have seen numerous inquries/accounts and collections on my credit report that i did not put on there. my identity was stolen.

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 2022-08-14
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: Account status incorrect

Complaint:
I Continue To Write To Equifax For Having Inaccurate Information On My Credit Report From XXXX. Equifax Continue To Report Inaccurate Information From XXXX. Equifax has list 4 inaccurate items on my report. XXXX continue to send me printed bill. I HAVE ANOTHER PRINTED LETTER. I continue to ask XXXX to send My " Original CONTRACT BARING MY SIGNATURE THAT I OWE THEM. XXXX CONTINUE TO SEND THE SAME PRINTED BILL. I NEEF TO SEE ORIGINAL CONTACT BARING MY SIGNATURE. THAT'S INACCURATE INFORMATION ON MY CREDIT REPORT. If XXXX AND EQUIFAX CONTINUE TO REPORT INACCURATE INFORMATION WITHOUT ORIGINAL CONTRACT I WILL TAKE LEGAL ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: SYNCHRONY FINANCIAL
State: VA
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:
Requested a dispute through XXXX on XX/XX/22 but the creditor stated the account information was correct. There is one late payment on the account and it is reported inaccurately. Submitted a dispute but they rejected my request. I went through a financial hardship but the payment was made within 30 days and therefore should be considered late. 

In accordance with the fair credit reporting act XXXX  account has violated my rights. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-11-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For many months I have been trying to resolve this issue. Experian has violated my right under the XXXX  law and Fair Credit and billing Act. I have never been late and disagreed with the balance on this account XXXX XXXX XXXX {$190.00} Account number XXXX. I have requested full validation for this account and have requested who and what rights they have to collect on this account. I see in my Experian credit report that this account has a charge off and would like to see full information. Also request to see how Experian investigate this account and from where did they purchased my public information as I have opted out of any XXXX party vendors who may have sold my information to Experian without my consent. Please provide the requested information as soon as possible. If Experian can not, I demand this account be removed from my 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 explanation