BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-26
Company: FIRST HERITAGE CREDIT LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The loan is with 1st heritage of XXXX la. It was made back in XXXX before I lost my job. After getting a new job the consumer started to contact my office as well as management. A cease and desist letter were faxed over to them in XXXX. The consumer continues to contact my place of employment as well as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 2021-10-08
Company: Self Financial Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been requesting a refund of the money paid for the secured loan to no avail. I paid the loan off in XXXX. I have sent them numerous documents all of which were requested by SELF. I can not speak to anyone via phone and the email system they have set up keeps sending me the same email requesting the same documents that were submitted previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023 {$40000.00} was paid to my Paypal account from a client for a service ( general contracting ). As of today, I've only been allowed to withdraw {$10000.00} of the money that is sitting in my Paypal account. Simply, I have not been allowed access to the remaining $ XXXX. 

When I called customer service, I was initially told I needed more information to confirm it was a legitimate sale and I am the legitimate account holder. I provided them with two forms of ID, a copy of my bank statement, my business license, insurance info and the buyer/sender/client got on a three way call and confirmed it was a legitimate sale. He also did what they asked him to do online.

I've been calling everyday to gain access to my funds. Each time I call, I'm given a different excuse... XXXX always ends with them telling me it is a large amount of money and it triggered their security measures. " Wait 48 hours ''. They can not identify an issue on my end ; they have confirmed that my bank account checks out, my identity, the client confirmed the legitimacy of the transaction and the money cleared, they have all of my information, nonetheless, they claim there is no person to override the system which is preventing me from withdrawing my money. " The money is in your account ; our system is just blocking you from withdrawing it ''.

I am a XXXX XXXX XXXX I find it unacceptable that Paypal is allowed to take 2.99 percent of the money paid to mXXXX XXXX an extra fee that I knew nothing about- then hold my money for an indefinite time. It feels like extortion. Based on their cavalierness during discussions, I can not imagine that I am the only one this is happening to. There needs to be some accountability on their part. Equally important, I need them to release my funds. I hope you can help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
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:
The following businesses used my information without my knowledge or approval, and it has shown up on my credit report. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am reporting negligence in reporting and investigations of disputes for all 3 bureaus. I have written XXXX, XXXX, and Transunion on XX/XX/2023, XX/XX/2023, and XX/XX/2023 in regards to verifying information that is being reported for public records and accounts included in this record. These accounts and public records have yet to be even placed in dispute status. Instead of receiving updates of disputing and reporting errors, I continuously received a mass amount of accusations of credit repair letters. This is unacceptable. This negligence is ground for deletions of these items. After XX/XX/2023, XXXX finally launched 1 investigation out of 3 times requested, and verified information as correct and verified. I do not agree with such results as XXXX is in lawsuits for not verifying accounts and accurately conducting investigations. No information was provided as far as method of verification and information on who verified this information to the credit bureaus. I demand that this inaccurate information be deleted from my credit report. I have been more than generous with reporting times and investigation periods. The screenshots of accounts below are inaccurately reporting inconsistencies across bureaus. Under Section 623 ( a ) of the FCRA, this act prohibits a person from furnishing inaccurate information to a credit reporting agency. EVERY SINGLE ACCOUNT showing has inconsistencies on their last date of activity. This is a very clear inconsistency that has yet to be verified. These bureaus have blatantly ignored my request. This inaccurate information is hurting my credit. It is well beyond the 30 day investigation period allowed, and I have been ignored. These accounts and public record should be deleted as soon as possible. Please mail me an updated report showing these changes.

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 2021-12-09
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
United Revenue Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, DE, XXXX To : The XXXX XXXX XXXX XXXX for United Revenue Corporation From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX Enclosed you will find your abandoned paperwork alleging that XXXX  XXXX XXXX, who appears to be fraudulently claiming authority of this Executor Office to administrate for the XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

govern yourself accordingly. 




By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: AL
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 have notified Equifax and XXXX that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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. 
I told XXXX, Transunion, and XXXX to Investigate/Reinvestigate these accounts : Local Government XXXX # XXXX Local Government XXXX # XXXX Local Government XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last acti

vity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.1 5 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2019-04-29
Company: Franklin Collection Service, Inc.
State: TN
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:
XXXX and XXXX continue to report information on my credit report, stating that a credit card was opened XX/XX/XXXX with XXXX XXXX XXXX XXXX. This was investigated by XXXX and deleted off the account. I have sent copies to each credit bureau of the deletion yet they still refuse to remove it. 

Also, XXXX ( opened XX/XX/XXXX ) is reporting on XXXX. I have sent three letters, one of which showed proof that this account was removed from XXXX and XXXX, yet XXXX continue to report this on my report. 

Franklin Collection is reporting about an account which is showing an opened date ( XX/XX/XXXX ) how is this possible. I never received any bill stating anything of a hospital bill of {$110.00}. I don't know anything about this account. 

There is proof that XXXX and XXXX have been investigated and deleted from other bureaus yet they are still reporting on at least one of the bureaus. According to the Fair Credit Reporting Act Law, this is a violation with the reporting bureaus of non-compliance of which I've sent three or more letters asking for proof of these accounts. Asking them to provide the original documents with my signature. This is damaging my credit report and I am thinking about seeking justice for any inaccuracies that are being reported on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Prizm Financial Company, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I recently submitted a complaint about Prizm Financial ( case # XXXX ). I was in the process of trading in the vehicle I had financed through them and they were all set to finance my new vehicle until they saw my complaint. Yes I had late payments because of my health but the agreement was on the table until they saw my complaint. Well since I traded my vehicle and received financing through another lender, they knew they were being paid off and yet they still reported negatively to the credit bureau. What XXXX!! Do not do business with this lender because their tactics are reprehensible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditoXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not 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 2022-08-26
Company: U.S. BANCORP
State: MO
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 noticed that ELAN FINANCIAL have placed an inquiry on my XXXX credit file dated XX/XX/2022. On multiple occasions I requested ELAN FINANCIAL and XXXX to verify these inquiries. They have yet to do so.

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 2022-01-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax is reporting XXXX XXXX Account # : XXXX. This account was not on my credit report before. I Have never gone into any business with this account or have any knowledge of this account, Equifax show no history of this account or any data its suppose to be shown as per the FCRA. I have filed a Identity Theft Report and advise Equifax to comply with U.S. Code 1681c-2- Block of Information Resulting from Identity Theft, or I would not hesitate to notify my States Attorney General and file suit here in Pennsylvania against Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: PA
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:
To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Experian today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at.

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 2018-12-06
Company: BBVA FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
My file was stolen and someone had made an unauthorized hard inquiries. 
I would like to file a dispute and remove an unauthorized hard inquiries

Company response to consumer: Closed with explanation