BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
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: Credit inquiries on your report that you don't recognize

Complaint:
The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
An unauthorized transaction has been made on my PayPal account through my money paycard it just happened on the XX/XX/XXXX and it shows about XXXX $ and change were paid to a woman named XXXX XXXX, I do not know her and I do not use PayPal for anything. I have screenshots of the transaction and I really need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: IN
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am currently on XXXX, and was defrauded out of {$16000.00} through an online scam. ( XXXX XXXX ) I have submitted a fraud complaint to the FBI, however, when contacting NFCU, they have refused to assist in any way and are holding me accountable for 2 loans taken out in my name, with money transferred to other entities. NFCU has stated they found no indication of fraud, although the supporting documents attached will prove otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 6 month Libor rate ...

The reset indicates that the rate is based on the first business date preceding the month of change ....

SPS used the XXXX XXXX  of XXXX ... My contention is they should have used the XXXX  of XXXX..

With that said I don't want to allow them to change my contract so that in the future they might be able to assert I accepted the change when SPS may have bigger financial incentive to do so.

Thank you for your time.

Regards, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: NC
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:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES.

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 2020-02-10
Company: EQUIFAX, INC.
State: AR
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:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items from my credit report. 

XXXX  XXXX XXXX {$180.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$790.00} BANKRUPTCY CHAPTER 7-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan in the amount of {$110000.00} with Bank of America on XX/XX/2020 with a loan officer I was referred to. The first officer called and said that my debt-to-income ratio was too high, and he couldn't further assist me ; I had a solution for this and when I tried to reach out to him he ignored my phone calls and voicemails. Then I was referred to another Loan Officer who started off stating that she would take care of me during this process and shortly after the communication become poor. She ignored my emails and phone calls and only responded when my realtor reached out to her. In this process we lost an unnecessary and substantial amount of funds to meet loan/program requirements. I provided everything asked of me by the loan processor via email ; and several weeks later I received a phone call after appraisal stating that I don't meet loan requirements due to overall balances on credit bureau being too high. I then received a letter on XX/XX/2020 denying me still ; yet stating another reason other than what I was told by my loan officer verbally. At this time, I am requesting for my loan to be reviewed for inspection by a higher management. With all the programs Bank of America offers there should have been a better decision. There was a lot of effort put into this process by my wife and I ; we are highly disappointed in the outcome with this failed purchase of our first home. 

Earnest Money : {$1100.00} Option Fee : {$130.00} Inspection of House : {$380.00} The debt that I was specifically told to pay by my loan officer to bring debt to income ratio down below 50 % in the amount of ( {$10000.00} ) which brought me down to 46 % debt-to-income ratio.

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 2017-09-30
Company: Experian Information Solutions Inc.
State: TX
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: Information belongs to someone else

Complaint:
XXXX XXXX HAS COST ME JOB WHEN I SHOWED THEM ID THEFT VICTIM VIOLATION OF MY RIGHTS LOSING MONEY AND JOB OPPORTUNITY

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 2022-04-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22, I was contacted by a Citibank robocall telling me that my savings account was overdrawn. I preceded to go to a local Citibank Branch to inquire what had happened. Upon my arrival, XXXX XXXX, a Citibank employee preceded to assist me with my inquiry. Upon reviewing my savings account, it was discovered that all money had been taken from my account. It was discovered that someone had enrolled me in Citibank online bank system without my knowledge nor consent. ( BE ADVISED THAT I HAVE NEVER ENROLLED IN CITIBANK ON_LINE BANKING SYSTEM ) The individual proceeded to write a series of checks addressed to me and deposit them into my account and then withdrew the money that was deposited. Being that I had a balance of over {$40000.00} dollars in my account, it was able to cover the checks that were deposited and Citibank issued the funds to the individual. 

Currently, Citibank Fraud Department is reviewing my case and will contact me in writing with the results of the case. 


This was a classic case of Unauthorized Online Wire Transfers. 
Currently, I have no money to pay my bills and I'm in a dire situation. I hope you can assist me in getting my money back from Citibank. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2022-04-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm having a hard time with Wakefield & Associates reporting a debt that was paid by my insurance company ( see attached statement ). I've called this company, disputed this with the credit company ( XXXX ) three times and Wakefield & Associates keep saying that the debt is correct, the balance owed to Empress after my insurance payment is {$90.00} that's being reported by XXXX XXXX XXXX. I would like for the two items to be removed from my credit report and I believe Wakefield & Associates is in violation and should be fined for this violation. 

Thank You for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Navient Solutions, LLC.
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:
ID THEFT HIPPA, CRA INACCURATE INFORMATION AFFIDAVIT OF FACT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Midwest Recovery Systems
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:
sent police report and ftc taking more than 30 days cra violations Not mine inquires XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
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:
the company Universal Aceptence Corp/ Car Hop they always say that your credit will go all the way up. they say they can help me while them while they have the free will to cotinue calling me emailing me stating if i dont pay they will repo my car or turn off the car. which scared me respect

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 2022-03-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ally financial is reporting that they repossessed my vehicle and that it was involved in an accident. It was neither of those things. It was refinanced with XXXX XXXX. It was never repossessed. I have always been in possession of the vehicle. Still own it.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-03-21
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-06-13
Company: SYNCHRONY FINANCIAL
State: ND
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a unit from XXXX XXXX XXXX for {$1300.00} over the phone on XX/XX/2020. I told them it had to be delivered by Wednesday XX/XX/2020. I paid for this through PayPal Using Synchrony. When the invoice came I noticed that it was being sent to my billing address not the delivery address I gave them. I called them immediately and told them of this mistake. They said they would take care of it. The package had " Signature Required '' for delivery. When the package still went to the wrong address I called to tell them it would not make it in time. They told me that was OK as it had a " signature required '' and would not be delivered and would be sent back to them. They would then refund my purchase. On Friday the XXXX XXXX XXXX XXXX  removed the " Signature Required '' from the shipment and the Package was delivered to an empty lot, or that is what the XXXX driver said. I do not have my package and the package was not delivered with " Signature Required ''. The documents clearly show it was to be delivered with " Signature Required ''. XXXX does not see this they only see the package was delivered even after explaining it to them many times. There is no way to talk directly with the person who makes this decision. You only talk to a representative " phone person ''. I can not get an answer from XXXX as to why they think the package was delivered. There is no proof the package was delivered as there is no signature to prove it was delivered, only a driver that says he dropped it off. He may have delivered it some place but it was not to me! He may also have just thrown it in a ditch. Without a signature it was not delivered. I can not go after XXXX XXXX XXXX because now there is interest on top of the purchase price.

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 2022-08-05
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: ERC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Debt does not belong to me but my Father in Law who already passed away, so please have this Debt removed from my Credit ASAP - thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
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:
I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting. XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX Credit - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE XXXX in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims. <P/>Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX - XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - 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 2017-09-30
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX/XXXX/XXXX I sent certified letters to Central Financial Control ( California and Texas office ) to validate the alleged debt showing on my credit report. Per tracking information of the date Central Financial control received my letters- they did not respond to me within the time frame required by law, as I did not receive correspondence from them until XXXX XXXX, XXXX. I also advised I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. This company stated they did not need my authorization and they did not violate any laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation