BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Company continues to provide my credit report to other companies without my consent after opening an account in my name without my permission.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have been writing to this company for the past several months and although I have asked on numerous occasions to remove inaccurate information and let them know I do not consent to having my information shared as well as tried to dispute items that are inaccurate/not correct they are still showing up on my report. They have had several data breaches and I have put in claims for those breaches as well. I do not want my information showing up on these reports without my consent and I have NOT consented to anything. I would like any accounts that are showing up to be removed I am opting out of it all.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-15
Company: Revco Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On this date XXXXXXXX XXXX  REVCO SOLUTION INC open a collection. 

{$1000.00} that I own I have never signed any written documents saying that I own this to the collector. 

They are violating my right of the FCRA as a consumer. 

I do not know who they are and I have not written consent from my end. 

Also, they not verified that I own this debit to this alleged company. 

Please have this removed from my all the three credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I don't have specific dates but over the past five to seven years I have asked XXXX XXXX and now Navient to send me a detailed statement that includes the amount of the original loan consolidation , the dates and amounts of my payments over the past ten years and details as to how those payments have been applied to my loan.  I have never received this information.  They always send me a loan total that never changes; over $27, 000 and they refuse to tell me why I have made no progress on reducing the amount of my loan.  Now, as I am inquiring about the Public Service Loan Forgiveness program, they tell me that I have to convert my loan back to a Direct Federal Loan and start my 120 payments (ten years) all over again.  This leaves me feeling hopeless.  The only ray of sunshine; I will XXXX someday and the loan will XXXX  with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-01-17
Company: Atlanticus Services Corporation
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: Their investigation did not fix an error on your report

Complaint:
I have been going back and forth for over a year. This has been very stressful. I have not ever had Cellphones up until I signed up recently. They said I opened the account and closed it the same day. This is not true. I currently have service with XXXX XXXX XXXX, and on my credit it's reported that I owe {$310.00}. This is erroneous. 
The consumer doesn't have any outlet if the company makes a mistake or inside fraud. We're left with the head ache

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My bankruptcy was filed on XX/XX/XXXX and " XXXX '' on XX/XX/XXXX. Trans Union has the file as being " DISMISSED ''. Trans Union is also reporting that this debt was paid was XX/XX/XXXX. This bankruptcy had no updates by myself or the courts in reference to this matter since XX/XX/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 2019-07-26
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Daily harassing phone calls. I did call to complain to Pioneer Credit Recovery an they wanted to verify personal information which I refused to give. I have no outstanding debts and do not know why this company continues to harass me.

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 2023-08-07
Company: Stellantis Financial Services US Corp.
State: NV
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:
On XXXX, I applied with my personal bank for auto financing. When approved, I contacted the dealership that I wished to purchase from and affirmed with them that they had received the financing package from my bank, and that I could come down and purchase a car. 

Once I chose the vehicle, an unknown financing agent in the auto dealership, continued without my authorization, to pull various credit reports, with unknown and unapplied to lenders. At the dealership, I informed the finance manager, that the inquiries were unauthorized and should be removed from my credit report immediately.

Furthermore, I have a FULL FRAUD ALERT/CREDIT FREEZE on my credit files at all XXXX credit reporting agencies, and it requires them to contact me to verify if a credit application has been sent to them. None of the companies that were not authorized to receive my credit, followed the proper procedure, and this is a violation of my rights under the FCRA, when a credit freeze is applied. Furthermore the companies in violation, have made no attempt to correctly follow the verification process for my credit file. 

On XX/XX/2023 at XXXX, XXXX, I contacted the credit reporting agency responsible for allowing my credit report to be given to unauthorized parties, but again, this CRA XXXX XXXX, stonewalled with an automated system for XXXX minutes, then hung up the call when I reached the consumer affairs department to speak with XXXX XXXX and then XXXX XXXX who hung up the call ). This type of behavior, is again a violation of my rights under the FCRA, and if continued, I will engage, once more, in aggressive litigation against all parties who were involved in this egregious violation of my personal credit information, which also caused a loss in credit score, which is a damage/recoverable offense, in litigation, on my behalf.

If these companies do not comply with immediately removing their inquiries from my credit report, and refrain from any future unauthorized credit access to my information, I stress again, that I will file aggressive and financially punitive litigation against the offending parties.

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 2023-08-07
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:
I was looking online for a new place to rent and while on XXXX I found a cute little two bedroom two bath place that was only {$750.00} to rent I asked for more information on it the owner had got a hold of me through text message and said that he had picked me to be the person that he wanted to be the tenant he said he wanted XXXX that was the first month 's rent and deposit I told him that I would give him half {$670.00} and when I got the keys through the mail the other XXXX is what I would do he agreed. He told me to do it through PayPal but to make sure I pick the friends and family option. I've never done anything like this before so I trusted him and then once he got the money he quit talking to me or taking any of my phone calls text messages for a good 4 hours 5 hours after he received my money I filed a dispute with PayPal and they said they were going to do their little investigation thing that they had Frozen funds. Then on the XXXX of XXXX I get an email from PayPal saying that they didn't see any transactions that were unusual that they went ahead and refunded the money to the recipient not to me I asked him how they thought that was right because that was my money and I never got the keys or lease that he said he would mail to me. He took my money and never gave me the house that I was supposed to rent I asked paypal to give it back and redo their investigation if that's what they had to do but I have nothing to show for my {$670.00}. I'm a single mother of XXXX XXXXhildren and this guy took advantage of me and PayPal went along with it and let him do it. I just want some help to get my money back it's only {$670.00} I understand that but that's a lot of money when you're a single parent with two children and trying to find a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2020-01-31
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold a house and mortgage was paid off with Wells Fargo on XX/XX/19. Escrow was to be dispersed on XX/XX/19. It was never received. They tried to ACH to me but sent to someone else and now are refusing to give me my escrow money. There was {$2000.00} in escrow account at closing. They continually lie, won't contact me, send me to different departments but still after 2 1/2 months don't have my escrow money with no sign of receiving in the near future.

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 monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accordance with the fair credit reporting act XXXX  account name XXXX account number XXXX and account name XXXX XXXX XXXXXXXX account number XXXX and account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy. 

15 u.s.c I am 1681 section 604 A. Section 2 : it also states that consumer reporting agency can not furnishing a account without my written, instructions

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 2023-01-21
Company: Army and Air Force Exchange Service
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is a continuation from CFPB complaint # XXXX. I am sending XXXX XXXX XXXX my hardship packet in order to go on a fixed monthly payment and in a effort to suspend or lower, the {$22.00} variable interest I am still adding to a {$3600.00} store card ( XXXX XXXX ) that should be in charged off status already. 

My name is also on a offset status with XXXX XXXX and XXXX is in charge of making sure any federal payments are held as well as my wages. I hope the packet gets approved and I will no longer be in that status and be allowed to pay {$300.00} monthly at {$75.00} weekly. At this moment the debt is at approximately {$4300.00} with the charged that XXXX charges for their service. I have attached the packed sent to them XX/XX/XXXX via USPS. 

According to the XXXX reply on CFPB complaint # XXXX, this debt is at over {$4100.00} on their letter inviting me to complete the hardship packet. They also sent a dues charges sheet with a total due as of XX/XX/XXXX of {>= $1,000,000}. I believe this 2nd one is a typo. There is also a statement dated XX/XX/XXXX of {$3800.00} for XXXX XXXX which I am not related to nor have I named him as an authorized user for the account, this must also be a mistake. Please make sure these mistakes do not get added to my debt for ANY reason as other cases that XXXX has been involved in the past. 

This card was originally opened in XXXX during my military service and in XXXX I was not able to keep up the debt due to the state of the world. I was placed on their hardship program and was debited from my XXXX bank account monthly until there was a missed payment which caused the account to go on default status. 

The debt around that time was {$2600.00} ( from a {$3600.00} limit that the card had ) and I was only able to pay {$40.00} monthly which was only covering barely interests which had gone back to accrue due to the default status ( this card never gets " charged off '' apparently ). 

I lost my XXXX account and this account went back up to over {$3000.00} and through XXXX and XXXX I have been trying to pick up the payments to try to settle but if this account is delinquent it should not be still accruing interest on the original limit of {$3600.00}.

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 2020-03-01
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold by XXXX XXXX to another bank. They failed to notify me in writing, rather my account with them was just closed and I found out when I tried to make my monthly payme. I was able to find the new servicer : Fay Servicing, but can not get any information who now owns my loan. Since Fay has taken on servicing my loan, they have onboarded it with annacuracies that are causing a higher monthly payment, and are providing no details and ignoring requests for information. 

- My monthly payment is XXXX XXXX/mo higher. They have no details on why. Each time I call they say they will get back to me. They never get back to me. 
- They say there is a 2nd lien, but they won't say by who or what for. 
- They refuse to provide details on escrow funds for taxes or insurance. 
- They refuse to provide details on the bank who now owns the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MS
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 noticed many incorrect and unauthorized items appeared in 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 non-monetary relief
Consumer complaint received 2021-04-12
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal says told me they can not do business with me anymore and the balance on my account will be on hold for 180 days, then I can withdraw the paypal balance. However, I saw the money on my account disappeared, in the recent activity, there is a transaction done by paypal without my authorization, on XXXX  XXXX, 2021, XXXXUSD was transferred to paypal XXXX saying about some damages caused, while they can not explain that to me when I called. paypal took the money from me and I do not have any idea about this transaction. Why they took the money from me? I was trying to reach them for help, but they can not support me. Thats why I decided to file a report here and I wish I can get the money back. The email linke to my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, Experian, and XXXX is govern by 15 USC 1681. And they have violated my rights numerous times! I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give them permission to furnish these accounts. 
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC section 604A section2 it also states a consumer reporting agency can not a account without my written instructions. I also sent each XXXX and investigation letter to verify everything on my consumer report was 100 % accurate if not to delete the account and they did not do it. 

I also sent a second letter letting them know that they did not a proper investigation to verify everything was XXXX percent accurate and showed them proof they are now willfully violating the fcra keeping inaccurate information on my consumer report I want it deleted

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