BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I made a purchase to XXXX XXXX XXXX on XX/XX/2019. The payment went through properly, and I received my package within a week from the vendor. A week later, after receiving package from the XXXX, was alarmed to see that there was a negative balance on my Paypal account in the amount of {$100.00}. I immediately called paypal to discuss the matter, and it was at this time that they reluctantly informed me that they had paid for my products from XXXX XXXX XXXX without my knowledge or consent, because my bank ( XXXX XXXX ) had rejected the funds. I then complained vehemently with them, reminding them of the agreement that we have that has been honored in the past : that if for any reason, my bank rejects the funds, and the funds are unavailable, Paypal must notify my via email or text message, and the transaction will be put on hold or cancelled until such funds are available. Never have I agreed to any terms suggesting that funds can be paid on my behalf and later paid back without my consent. I then called my Bank and explained the details of the issue, and asked them why they would reject the transaction if the funds were available in my account without my knowledge. XXXX explained to me that due to a previous issue with Paypal they authorized a hold on all transactions without my consent. By the end of the phone call XXXX lifted the hold per my request, and apologized for the inconvenience it caused without resolving the issue still at hand. Now I am left with an outstanding balance of {$100.00} as a result of a total lack of communication from both Paypal and XXXX XXXX, and I refuse to take responsibility as this was an issue caused and exacerbated by these two companies. I have tried to resolve the issue with them but am not left to file a formal complaint through Consumer Finance, as I feel quite mistreated. Both calls should have been recorded and documented for review and for reference. I received a letter in the mail on XX/XX/XXXX requesting that I pay this outstanding balance and have been given 30 days to do so, or to file a complaint. So I have chosen to file a complaint and continue to fight this issue, and hope that it will be resolved fairly going forward. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2017-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was compromised by my ex and unbeknownst to me opened up credit cards in my name. I tried to go thru the companies fraud department but they would not listen to me and they have since sold the accounts to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Or list of inquiries 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 anteda
tes 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 explanation
Consumer complaint received 2023-01-05
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: CBC Companies, Inc.
State: IL
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 a big issue with the credit reporting agency mainly check systems as I going through reviewing my file I noticed that my credit has not been up to par and it does not reflect having XXXX or XXXX accounts on my negative accounts on my credit file for it to be at a for a low low XXXX XXXX so I started doing some investigation and got all my reports from each of the reporting agencies check system mainly I asked for XXXX separate reports and verify that every XXXX of their reports has my business or somebody some some form or some way business dealings that I have is being reflected on my personal credit or personal XXXX XXXX  report and which is internal repairs on my credit they're using XXXXXXXX XXXX which is a account that's already been paid off to basically throw up a red flag and say hey this is this is what we got him to XXXX XXXX for, and then turn around and report it to my personal credit as a inquiry Banks why we can't get a checking account or banking account is due to the fact they're reporting on my business debt or business transactions under increase view by others under my personal file view by others they just change the name of it so I'm a registered XXXX so they have found a way to not put it put it negative information directly on my personal from these Banks because I would lse baby we just reported it differently I know this because I'm 100 % sure of this because I have not tried to open too many personal bank accounts in the last XXXX years maybe XXXX or XXXX and for them to say that all the inquiries are because of a personal inquiry because I will try to open a bank account is not the truth so I went back and and matched every business every XXXX of the names on there has some kind of business dealing with me or they either had XXXX XXXX reported on there behalf XXXX reported for them like XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 real person Im a living human being I have a right under 15 US 1681 XXXX Trans Union and XXXX  is govern by 15 USC 1681 and they violated my rights numerous of times I demand the counselors to be allowed to be removed from my Derogatory marks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to 15 168 I have the right to privacy I did not give Written permission to furnish these accounts

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 2019-12-21
Company: Social Finance, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a mobile check deposit for {$340.00} on a check written out for {$390.00}. I noticed the mistake posted and reached out to my bank, SoFi, for how to correct it. They told me I needed to talk to the bank where the funds were coming to get them to make the adjustment. In contacting XXXX Bank, the funds issuer, they told me my bank should be able to initiate a mobile deposit correction without any communication from them, but I could not make a correction with them because I am not the account owner at XXXX Bank. I talked to the account owner and they were able to initiate the correction, which happened on XX/XX/XXXX and was expected to complete within XXXX hours. The XXXX Bank account owner gave me a copy of the receipt for the adjustment. I contacted SoFi to follow up on XX/XX/XXXX since I had yet to receive an update and the representative told me they would get back with me if it had not been fixed by the end of the week. On XX/XX/XXXX I called SoFi because I had not received any updates. They told me they had not received the adjustment from XXXX Bank. I contacted XXXX Bank for status. They told me I could not get any information because I am not the account holder. I contacted SoFi again and they told me I could submit the receipt for their back office to process the transaction and they would contact me by COB XX/XX/XXXX, but I have received no additional information and neither bank seems to be able to make any progress with the other. The latest I got from SoFi was an email with the following : I did just get a response back from them. They are still pushing back stating the request has to come from XXXX Bank. They stated they will need the adjustment sent over by XXXX  again for the adjustment to take place. I would recommendcalling again with that referencenumber. You don't need any info on the account but to let them know SoFi has not received the request from them and it needs to be resent. So sorry for the hassle! 

This is what I did earlier today and XXXX Bank would not tell me anything because I am not the account holder. There does not seem to be anything that either company is willing to do to progress this along.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.

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 2019-09-22
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX with 30 days late remark on XXXX and XXXX  XX/XX/XXXX with 30 days late remark on XXXX  I also see some inaccuracy on this report so I am making sure that everything is being updated accordingly. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. Thank you for taking this seriously.

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 2022-12-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

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

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 2023-02-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report it appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Please block/remove these items : XXXX XXXX XXXX XXXX, IL XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Date XXXX : XX/XX/XXXX XXXX C XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act Convergent Account # XXXX Account Name : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: NY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-15
Company: EQUIFAX, INC.
State: NY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation