BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went in to a Union Bank located in XXXX XXXX inside of a XXXX XXXX XXXX XXXX on XX/XX/2020. I set up the account with a banker named XXXX. She was fine at first but when I called the next day to change my business account she said she would get back to me and never did. On XX/XX/2020 my 3rd party echeck merchant sent my echeck deposit to this branch they have been for years, I got a call from XXXX now telling me they don't accept 3rd party echecks so I went into the bank and picked up my echecks and deposited them into my XXXX XXXX account with no problem. They next day XX/XX/2020 my account was frozen and flagged for suspicious of a fraud check and then closed on XX/XX/2020. No checks were deposited and no one told me when i went into the branch to pick up the checks, i even made a cash withdraw and still no one told me anything that day. i called customer service twice and they referred to the Fraud department and both times the fraud department told customer service to refer me to the bank branch directly and still all they said was it was in their best interest to close my account. I spoke to the branch manager XXXX and XXXX on XX/XX/2020 and both couldn't explain why. XXXX even laughed saying ' we just decided to close it.This is unfair and not the way to conduct business. Stay away from this branch and bankers, they are not professional and will close your account without even calling you if they feel like it and their customer service is ridiculous

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 2020-05-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following accounts and inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in 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 non-monetary relief
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following accounts and inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in 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 2020-05-21
Company: Remitly, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, This is XXXX. I have an account with Remitly with the user id - XXXX. On XX/XX/2020, there were two fraudulent transactions for XXXX $ and XXXX $ to a person named XXXX XXXX. Though I have used Remitly earlier, I have used to send it to my own account in XXXX. This recipient was new. I have not added it. I do not know this person and this was a fraud transaction. I reached out to the customer service via chat. I was expecting a resolution. However, now I see that my Remitly account is blocked. They said that the fraud department will reach out to me but to this date it has not happened. And, I tried to reach out XXXX  XXXX XXXX from where the money was deducted and they too are not able to help. During these COVID times, I lost my job and this was the money in my account for meeting the needs of my family. Please I beg you to help me. 

I can prove that it is a fraud transaction. On XX/XX/2020, I received XXXX spam messages on the XXXX that was used in Remitly and XXXX  XXXX XXXX accounts. It was to hide the fact that money was sent from my account. I am the victim here. Please help me. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I work for XXXX XXXX  as a XXXX XXXX  for school children. I setup direct payment into my debit card account with Netspend. 

My last deposit was flagged by Netspend because it was booked as a refund they have placed a hold on my whole account. 

I can not access anything. I was told specifically I can not close my account, I can not access the funds not in question. 

Customer service hung up on me after an hour on the phone when I pushed to close my account

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XX/XX/2020 a company in which I am a XXXX XXXX XXXX, XXXX XXXX XXXX, borrowed funds under three separate mortgages from XXXX XXXX XXXX to purchase properties at XXXX, XXXX and XXXX XXXX XXXX XXXX in XXXX   XXXX, Colorado. Subsequently we were advised that you had taken over these mortgages. 

In XXXX I noticed that these loans appeared on my personal credit report, even though the loans are in the name of XXXX XXXX XXXX and title to the properties is in the name of XXXX XXXX XXXX. I called and spoke with a gentleman who said he would get it taken care of. Two of these loans appear on my XXXX  and XXXX  report, and three of them on my Transunion report. I have spoken to the company several times and sent a letter explaining the situation but the company is not fixing the problem.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: CA
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 fourth 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, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$4500.00} XXXX  XXXX XXXX  : {$79.00} XXXX XXXX  : {$170.00} XXXX  XXXX XXXX  : {$89.00} XXXX XXXX  : {$50.00} XXXX  XXXX XXXX  : {$74.00}

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 non-monetary relief
Consumer complaint received 2020-07-13
Company: Experian Information Solutions 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XX/XX/XXXX XXXX {$3200.00}

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 2020-05-21
Company: CITIBANK, N.A.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had financial hardship, and contacted XXXX XXXX XXXX last XXXX, 2019. They said they have reached out to all my creditors to make arrangements to pay each one. 
Citibank has refused to work with XXXX XXXX XXXX. Recently, I have been receiving letter after letter, from local lawyers, that claim I have a summons to appear in court. I have checked, but there is no court case recorded. I have not received any summons, but several of these lawyers have a fake copy of a summons with my name, address, and credit card company. The lawyer letters have said this lawsuit could lead to a lien on my property, take over of my bank account, garnishment of my wages, etc. I in good faith have tried to reach out to my creditors. They have caused me additional stress to add to the difficulties I am now facing in my life. Citibank, and their XXXX XXXX XXXX, have publicly shamed me, and inundated me with countless lawyers contacting me daily. 

Citibank NA turned my Best Buy debt over my to XXXX XXXX XXXX for {$1600.00}, which I half of what I owed, with late fees, and interest charges doubling the requested amt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 called Transunion Credit reporting agency on Thursday, XX/XX/XXXX. After being on hold for at least 15 minutes, I spoke with one of the Reps. about several Hard inquiries on my credit report that I do not recognize and appear to be UNAUTHORIZED. The Rep from Transunion told me that the inquiry was a " Statement of fact '' and that it could not be removed. I explained to them under the fair credit reporting act, they must verify each item I am disputing and if they cant, under the law, all inaccurate information must be removed. ANY. I was basically then told to have a nice day and the call ended. I am now filing a complaint with you to take swift action. I am requesting the following items be removed from my credit report as it is hurting my ability to maintain my true credit score and my ability to get credit that I deserve. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please make Transunion follow the law and make them remove these hard inquiries from my credit report. Thanks very much!!!

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 2020-02-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I offered my professional services to someone and we used PayPal to complete the payment. The process for completion takes 60-75 days on my end and the buyer knew that. After 2 weeks he submitted a dispute for the XXXX $ and they took it out of my account even after providing signed contracts from both parties. My account is now negative and as a small business owner XXXX $ will make or break me. The money was used to start working on this customers project. He has a 72 hour cancellation policy and it was completely fine until two weeks. Paypal refuses to help me in this situation and I have reached out to many different people at the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello I have a auto loan with T/D AUTO FINANCE THEY ARE REPORTING MY ACCOUNT AS ( DISCHARGED THROUGH BANKRUPTCY / CHAPTER XXXX/ THIS WAS NOT INCLUDED IN THE BANKRUPTCY. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT REFLECT A NEGATIVE MARK TIL 2025. THIS WAS ALWAYS PAID ON TIME TIL THIS DATE. THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: TRANSWORLD SYSTEMS INC
State: CA
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:
I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!! 
Amount : {$2700.00} Reported XXXX Filed XXXX XXXX County Superior Court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There is a bill that has been sent to me since XXXX for a Mastercard that I don't have.I called and tried to explain to the representative but all she wanted was my account number and I told her all the acct # that I had was on the bill they sent me and it was not mine so I was not giving it to her. I kept telling her that I don't have one and that if i did have the card wouldn't I have to activate it first in order to purchase something. She said yes but she still needed it to verify my account before she could help me. Then she wanted my phone number so I gave it to her and then she wanted my Social Security number which I told her NO that I may be old but not stupid. I'm XXXX years old and I have a credit card and a Sears card and I'm on Social Security but she didn't want to hear that either so I hung up the phone.On XX/XX/2020 I received a letter from Citi Cards stating that they would not call me about my past due account. Here it is now XXXX and I just got another bill for {$190.00} for past due account.I am so tried of these people saying I owe them money when I don't have their card. Please help me cause I have tried to deal with them in writing and calling but nothing seems to help. I feel like they have targeted me because I'm a senior citizen. You are my last hope. Thank 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 2020-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-04-30
Company: Webcollex, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a affidavit to WEBCOLLEX , LLC DBA CKS F telling them i would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with GAAP accounting principals ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: CURO Intermediate Holdings
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Speedycash.com claimed to have given me a loan that I have never applied for or received. Tried to dispute with them through XXXX XXXX, and no results.

Company response to consumer: Closed with explanation