BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: MI
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:
My sister, XXXX XXXX, and I have contacted experience multiple times during the last two months. They are constantly mixing up our information causing my Credit score to dedrease..We are twins and our Social Security numbers are just one digit off. They are putting my information on her report and vice versa. This information is student loans, credit cards, Home addresses Names, etc. my sister knows pretty much all my personal information regarding my debts. This is an identity breach and a breach of security. There are security laws that protect citizens against this, XXXX, are close, but not that close. I am extremely upset that she is aware of how much debt that I have incurred in my life. She had no prior knowledge and did not even know my credit score beforehand. She now knows everything! This is very personal information. What makes matters even worse, is that this is not the first time we have contacted credit bureaus each and everyone of multiple times over the years. 
XXXX has accused me multiple times over the past few years of using her Social Security number. This is causing me so much stress and is driving a wedge between the relationship I have with my sister. 

I typically keep my credit report locked. In XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX denied me Credit because of a fraud alert. They contacted my sister ( instead of me ) to verify that I was applying for Credit. Of course, since she in fact, was not applying for Credit and that I was applying for Credit, she told the customer service reps no and they marked my application as fraud, denying me Credit. 
She did not know that I was applying for a new credit card. One day during casual conversation. She mentioned to me that someone was trying to steal her identity and apply for credit cards in her name. I then mention that I applied for Credit and that it was denied because of fraud. I didnt realize that they contacted her instead of me. 
I contacted the credit card company and explain the situation. After multiple calls and holding on the phone, I was told that I would have to contact the credit bureau, ( Experian ) because that is the number that they had on file for me and that there is nothing that they could do about it.

When we contacted Experian two weeks ago, she service rep was very rude, condescending and disrespectful. He yelled at and over talked me when we were just calling for an understanding of our accounts. I eventually asked for a supervisor and was told that I will get a call back in 24 hours. No one has called me yet. 
They are beyond unprofessional and only thing that we are asking for is that our accounts be corrected.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe that I may be a victim of identity theft because my car was broken into and all my personal belongings were in my purse such as my social security card, my id along with other items in my purse.

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 2023-03-30
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2022-11-10
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: Information belongs to someone else

Complaint:
This is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021, XXXX XX/XX/2021,

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 2018-03-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting 2 bankruptcies on my credit report in error. I have requested on NUMEROUS occasions to have this situation resolved to no avail. On XX/XX/XXXX at XXXX CST I spoke with XXXX , an Experian supervisor in the special service department, and was told they DO NOT know for certain the source they are verifying or validating the information they are reporting on my credit report so they can not disclose that information to me. That is a clear violation of the FCRA. They believe it can possibly be XXXX but they are not certain. XXXX also said that I may have to file a law suit to get Experian to comply. This situation has been going on since XX/XX/XXXX and has caused financial distress, additional expenses and denied credit. I have been in constant contact with XXXX and participate in their data suppression & credit freeze programs because of errors in their reports as well. After disputing the errors in the XXXX report, XXXX did remove the bankruptcies. Experian still has not corrected the errors and is still reporting improperly verified information. Attached is a revised copy of the XXXX report which reflects the removal of the derogatory records.

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 2023-06-07
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is in regards to Cash App. I created a second Cash App account some time last summer to do some temporary business related things and to create an account you need an email and phone number. I had a secondary email, but for the phone number, I used a free one from an app called " XXXX '' which will let you use a phone number for free through wi-fi. To use the account fully, I also had to submit my driver 's license and social security number. After several months, I stopped using this Cash App account and the free phone number. The app later revoked the phone number due to a lack a usage and eventually gave that phone number out to another person using the app. On XX/XX/XXXX, that person used that phone number to log into my Cash App account and then immediately unlinked my email and change the phone number. I was unaware that this happened because I rarely check that email account, but just several days ago I tried sending one of my friends a couple dollars through my main Cash App account and it stopped me saying that I have reached my {$50000.00} monthly spending limit even though I only spent about {$120.00} this month. After wondering what could have caused this, I checked that email account and could see that on XX/XX/XXXX, someone logged into the Cash App account and unlinked the email. Fortunately I did not have a bank account linked to it, but someone stole my secondary Cash App account and is cycling thousands of dollars under my I.D . and SSN. I have been trying very hard to find a solution with Cash App support, but they are not being very helpful. I repeatedly tell them that I can verify the account is mine with my I.D . and SSN, but they simply won't help. I can also provide screenshot proof that I opened the account with that email and that on XX/XX/XXXX, it was broken into and unlinked. The person controlling the account also recently ordered a cash card and it arrived at my house with my legal name on it. I need to find a way to get this account deleted. 

I attached a screenshot of the email confirmation that I verified my I.D . with that account on XX/XX/XXXX and also the screenshots of the email confirming someone logged in and unlinked that email on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XXXX, I attempted to pay USPS {$88.00} and was told my Huntington credit card declined. 

That was strange when I new my credit limit was {$11000.00} and my available credit was {$3000.00}. 

I contacted Huntington Bank customer service to make sure because of the Trigger my account was not compromise. 

I was told that after 6 months that with good payment history that I would receive a credit line increase if requested. 

I had not requested a credit line increase at this time. 

When I contacted Huntington Customer Service I was told I would receive a letter.

I did not authorized Huntington Bank to pull my credit only when I applied for credit. I have never been late and I have always made my payments ontime.

I have even paid thousands of dollar more than asked to bring down my credit balance.

I am definitely not a credit risk to Huntington Bank to have reduced my credit limit used my personal information without my permission.

I informed Huntington Customer Service that {$88.00} was declined and my credit limit was reduced from {$11000.00} to the balance I owe on my credit card to {$8300.00} which is unfair to me as a preferred customer of theirs. 

All they could say in a loud voice. You will get a letter in the mail between 7 to 10 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Sunlight Financial LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Almost a year ago I began the process to have solar panels installed. XXXX XXXX was contracted to do the work. They quickly went out of business after simply putting the panels on my roof - nothing more. The wires are still dangling down the side of my house. Sunlight Financial authorized payment to XXXX despite the system not actually being installed. This began my monthly loan payments with XXXX XXXX XXXX XXXX. I have tried contacting Sunlight Financial but they rarely reply - only on their terms and requesting info they want and never to address the issues. I have called XXXX XXXX XXXX XXXX who claims they can not stop the payments even though they admit the system is not installed. I have spent almost $ XXXX out of my pocket to get the system almost installed- all I need is XXXX XXXX to rush my paperwork, and the electricians to install the XXXX panel and a final inspection. No one seems to want to complete the work. All I ask is that my payments be stopped without negatively affecting my credit until the system is actually installed per our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have disputed two accounts with XXXX and the credit bureaus. I disputed XXXX personally in house and they claim to have undergone an extensive investigation and said that the debt is mine. They never provided me any kind of method of verification or investigation results or any documents pertaining as proof. I have also disputed alleged accounts with all 3 credit bureaus and XXXX   has marked this as accurate, which i have asked over and over for correspondence/evidence/proof/method of verification and none of them have been able to furnish this information to me ( XXXX, XXXX, XXXX  or Transunion ) . If there is no verification, this has to be deleted by law. ( FCRA ). I have disputed over the phone, online, and many times by mail. These poor accounts have been stopping be from getting things that i deserve.

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 2023-01-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage during the beginning of the pandemic. My tenants took advantage of me and the pandemic and all stopped paying. When my dad passed away a month before the pandemic XXXX hit and it was hard to try to get the tenants out and go upon the necessary steps needed. 
For the past year it has been a run around with wells Fargo trying to do a modification. every time I sent information it was " wrong '' causing me to have to do the process all over. This happened three times. When finally everything was done they denied me and suggested a short sale. No other options just basically I will lose my home. I am devastated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, 2017, I was notified by XXXX that there was a new collection account added to my credit profile for {$370.00}. Having never received a notice from the alleged original creditor, I was shocked. Obviously, this sent my credit score into a tailspin. Luckily, I was able to dispute the debt immediately, only to have LVNV Funding/Resurgent Capital continue to verify the debt with the bureaus, without providing the requested validation. Now, we are at the point where I have enough of a paper trail, that if LVNV Funding/Resurgent Capital does not provide proof that they could hold me legally accountable for the debt, AND that they are legally allowed to collect the debt, I will be taking LVNV Funding/Resurgent Capital to small claims court to make my argument that this frivolous collection should be removed. XXXX has indeed completely removed the debt after 4 letters, XXXX  and XXXX  have not removed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Regional Management Corporation
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've discovered a billing error!! 12 CFR 1026.13. I've noticed XXXX XXXX reporting my personal information to third-party companies such as consumer reports XXXX, XXXX XXXX XXXX without my written consent. Security fraud. 15 USC 1601, ( 15 USC 1605 ) 15 USC 1635 A- B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: TN
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 XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: American Coradius International LLC
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got a letter in the mail from a debt collector says I owe {$640.00} through a XXXX account and I'm thinking this is not my debt can I have the original name and address of the original collector sent to me please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm am not XXXX XXXX XXXX I am not affiliated 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 non-monetary relief
Consumer complaint received 2020-08-01
Company: Paypal Holdings, Inc
State: OH
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 have asked the company PayPal to close my account. They want more information from me before I can close the account. They have issued me unwanted services like debit cards but I did not request them. I asked them to close my business profile account in XXXX of XXXX but they would not and then I asked them to close my entire account in XXXX of XXXX  but they would not. 
I have a XXXX balance and zero pending charges and zero open cases. I do not want them to have my banking information or credit card information but they will not remove my banking or credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Rozlin Financial Group, Inc.
State: RI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I signed up for a course with an acredited school. I was dropped from the school due to having some personal issues. So I never even got to attend the courses at all. The school had told me that they would remove the amount of {$4200.00}. I was not given an option they just put me on a payment plan but I had a part time job and couldnt survive by given them that amount that they said I owed. The amount also never got lowered than {$4200.00}. I was paying and they just kept charging me. They they proceeded to call my friends and family members then proceeded to call me constantly and email me threatening saying that they will be reporting the debt to the credit bureaus and damage my credit score. I have made all of the following payments Details : Recurring Bi-Weekly payments of {$50.00} on XX/XX/2022, {$50.00} on XX/XX/2022, {$50.00} on XX/XX/2022, {$50.00} on XX/XX/2022 starting on XX/XX/2022 and then every other Wednesday totaling {$200.00} from checking account. Yet they are still threatening me for a course that the school said I was unenrolled from and did not have to pay back. I did not even accept the offer on the XXXX page. I do not understand why I am being harassed for not being enrolled, for not accepting the debt and mostly not even using it at 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 explanation
Consumer complaint received 2018-03-14
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: Information belongs to someone else

Complaint:
Regarding previous complaint XXXX. At Experian 's request, I am resubmitting complaint with requested info to block information shown on the FTC fraud complaint form.

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 2023-01-05
Company: EQUIFAX, INC.
State: MD
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:
This is my 5th 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 alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation