BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for and received an XXXX dollar loan from Net credit. I had just had a XXXX XXXX and needed money to help pay the hospital bills. I was in a very bad place and did not throughly review the documents. 

I was unaware that the interest rate being charged was 59 %! Which is absolutely outrageous. 

I have made numerous payments since XXXX and my principal has not declined. 

My FICO score was XXXX at the time of the loan. I am now aware of my situation and what to payoff this debt but the company is not cooperating. 

If this is not predatory lending..it certainly should be!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
there were several inquiries in my credit on XX/X/17 regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit

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 2023-01-27
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: Account status incorrect

Complaint:
This complaint is directed against three companies listed below, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Experian Both of my credit reports with Experian and XXXX currently include a personal loan with XXXX. In both cases, the last update was received in XX/XX/XXXX. The account shows in both cases as paid on time and open. This is incorrect in two ways. Firstly, payments were made on time in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has not reported those payments to any credit bureau as of XX/XX/XXXX. Secondly, on XX/XX/XXXX, XXXX sent me an email detailing that servicing would be transferred to XXXX XXXX on XX/XX/XXXX. This email is attached. 

In XX/XX/XXXX, I began making payments to XXXX XXXX and that company has correctly reported those payments XXXX and XXXX ( not Experian ). As a result, my XXXX report incorrectly shows me as having an open personal loan with XXXX and an open personal loan with XXXX XXXX. My Experian report shows me as having an open loan with XXXX. 

In XX/XX/XXXX, I opened disputes with both Experian and XXXX, detailing the above information. Both companies claimed to have conducted investigations and both found that my dispute was not merited. They both certified that my credit reports are accurate and that XXXX had verified that the information is correct. This is simply not true and contradicts the email that XXXX sent me in XX/XX/XXXX. 

It is the case that either XXXX has not provided a truthful response to Experian and XXXX and/or that both of these credit bureaus did not conduct a bona fide investigation. In particular, how could either of these XXXX credit bureaus be satisfied that the information is accurate? If indeed my account with XXXX is open and paid on time, how could it concurrently be the case that no payments have been reported since XX/XX/XXXX? This is contradictory and suggests that XXXX and Experian did not perform a good-faith investigation.

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 2021-03-02
Company: EQUIFAX, INC.
State: MI
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 writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX XXXX : XXXX {$2200.00} XX/XX/XXXX XXXX XXXX : XXXX {$3500.00} XX/XX/XXXX XXXX XXXX  XXXX : XXXX {$1100.00} XX/XX/XXXX Inquires I do not recognize XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX-Equifax-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am required to pay, at this time for a debt that I did not incur. Citibank failed to properly secure and protect me from Identity Theft. I received a letter from Citibank notifying that I had unusual activity on my card or activity not familiar with my habits. Turns out, they mailed me a Citibank XXXX, via Brooks Brothers department store. I NEVER received the card. To date, no card. Activity for a XXXX store. My cell phone accounts are with XXXX. I have never had any business with XXXX. 
There were two transactions on the same date ; for {$130.00} and {$840.00}. I explained to the representatives, twice, that I received no card. Also, the first person that I spoke with in XXXX or very early XXXX explained that the card was verified and pin requested. I have other cards through Citibank and have never asked for a PIN on a credit card for this very reason ; not enough protection when issued via phone. 
They sent me a billing statement indicating that I owe {$130.00}. I owe NOTHING. At the first call, because they did not protect me, I advised the person to cancel the card. Not sure if they did. Also, they indicate on the billing statement that the card ends in XXXX, but the charges are for a card ending in XXXX. Not sure why two diff erent account numbers on one statement? Need an explanation. Citibank messed this up. As a bank, it appears their controls to protect customers using a PIN failed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A payoff was requested of XXXXPHH Mortgage. They requested a copy of the appraisal in order to issue the payoff. Their repeated requests are unreasonable and not legal according to my new lender XXXX XXXX Bank. I have a loan approval that has expired due to the continued incompetence of all involved at both the payoff department and XXXX department at PHH mortgage. Contact information XXXX, XXXX, XXXX. They are illegally requesting the appraiser falsify the appraisal report to show the home is a three bedroom, where it is currently showing as a two bedroom simply because of hallway access to a bathroom. An addendum is attached to the appraisal explaining the two versus three bedroom discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: FL
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 there a accounts attached that have viol

ated 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 wri
tten consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2023 I received an email from the company XXXX XXXX XXXX. This email stated that my lease and history had been reported to XXXX and TransUnion. On the XXXX my credit report updated, however the information on the credit report entered by the credit bureaus was not even close or similar to the information submitted to them. This is not the first time this has happened so I continued to file a dispute. After doing so my score was hit for XXXXpoints and the previously reported account showed no activity and since has been turned into a negative item on both reports. I have since sent all documents to the bureaus proving my account statuses but they refuse to do anything other than deduct more points for my unwillingness to accept there calculations. I believe these calculations are in fact discrimination toward me individually as my research into the history of credit scoring shows a direct and abnormal calculation in comparison to historical similar scoring models within the same parameters as my account status. For example the company who reported my account reported a high credit of {$35000.00} the credit bureaus report {$0.00} The company reported open account, the bureaus reported closed account. The company reported 2 years for one account and 4 years for the second. The bureaus reported 6 years at {$790.00} split and paid out over 6 years at {$10.00} per month. And on and on the report is so far from the actual facts that I have found myself at odds with my sanity as I literally can not finance a canned soft drink without a cosigner. Upon notifying the bureaus of this are and submitting the documentation from the reporting company to them directly I only receive more points subtracted from my score instead of incorrect reported items. I am to the point that I have no choice but to hire an attorney and seek damages for fraud, discrimination, and unfair reporting practices at biased without benefit of reconciliation. I will include the screen shot of the summary as well as a copy of the reported information from the reporting source

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 there a accounts attached that

have 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 wit
hout my written consent.

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 2021-09-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2009 with a balance of {$10000.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2022-06-12
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:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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 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 2023-02-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX, XXXX, {$4600.00} Acct : XXXX XXXX XXXX XXXX, {$2700.00} Acct # : XXXX XXXX XXXX XXXX, XXXX, {$880.00} Acct # : XXXX XXXX XXXX, {$420.00} Acct # : XXXX XXXX XXXX XXXX XXXX XXXX, {$630.00} Acct # : XXXX XXXX XXXX XXXX, {$1100.00} Acct : # XXXX XXXX XXXX XXXX, {$1100.00} Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} Acct : # XXXX XXXX XXXX XXXX XXXX, {$2300.00}, Acct : # XXXX XXXX XXXX XXXX  XXXX, {$650.00}, Acct : # XXXX XXXX XXXX XXXX XXXX, {$680.00}, Acct : # XXXX XXXX XXXX XXXX XXXX, {$1000.00}, Acct : # XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$690.00}, Acct : # XXXX ; has violated my rights. 

15 U.S.C. 1681 section 602A. States that I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an 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 information. Any other adverse items 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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/ I pulled my consumer report and I am showing Transunion Credit Reporting agency is reporting XXXX inquiries from companies I did not authorize nor recognize. They are violating federal laws 15 USC 1692g ( debt validation ) as they never validated the debt with the original creditor. They have violated 15 USC 1681 ( consumers privacy rights ), they have also violated FDCPA. They are reporting inaccurate information on my consumer report hindering me from obtaining credit for a car. I sent certified mail demanding removal on XX/XX/ and they have failed to respond. According to federal laws they have 30 days to respond and are outside of the response time window. 

15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. 

I demand removal of the misinformation being reported without my consent. They are also invading my privacy which is against federal laws.

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 2023-04-04
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Victim of fraud. This is a second report of a collection company representing XXXX & XXXX wireless, placing a derogatory action on my credit report for a fraud account out of Texas. Initial report number of similar incident is FTC report # XXXX. I do not or have had a XXXX & XXXX XXXX account. 

Current collection company : Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, Case # XXXX email : 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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 notified XXXX XXXX XXXX XXXX that they are reporting a fraudulent bankruptcy on my credit report on XX/XX/2019. 
I notified Transunion Consumer Solutions in XX/XX/2019 2019

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 2023-01-28
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 2018-07-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I did a money transfer from my Wells Fargo account by means of the XXXX add on service that Wells Fargo provides on their site. The money was transferred in the amount of {$240.00} on Monday XX/XX/2018 to a " XXXX XXXX '' with the email address XXXX. 

What I thought was concert tickets being purchased turned out to be scam. Because I was directed to pay through XXXX, which I thought was a secure, traceable means of payment, I felt confident this wasn't a scam. Even if it was, there has to be a way for my Bank to track down/stop payment from going through, right? Wrong! 

After getting suspicious after a short amount of time ( 20 minutes ) after I completed the transaction, I immediately called Wells Fargo to put a stop to the transaction. After being put on hold for hours, speaking with multiple representatives, being transferred multiply times, being disconnected when being transferred, and being told there was nothing they could do, I felt helpless. The many Wells Fargo associated didn't seem to have an answer or they either said they could do something and then never did. 

I should have listened to my gut, but the fact that this was THROUGH a service provided by MY BANK, I felt reassured and confident this wasn't possible to do from a scammer end considering a bank account needed to be attached to the name/account I was transferring money to. 

Thank you for your service and thank you in advance for reading this.

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 2023-01-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hi. I just want to ask help to restore my paypal account. It was permanently limited and can no longer use. I didn't violate any of their terms and conditions. Different people are sending me money because I am a freelancer. I am doing typing jobs, selling digital works and others. Help me to report this issue in paypal so that I can use it again and it is easy for me to receive my fee as a freelancer. 
Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Navient Solutions, LLC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 5 duplicated accounts from the same company due to a transfer in which the original account is supposed to be removed or so i thought. XX/XX/XXXX & XXXX are the close dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 ACCT # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief