BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I noticed this problem in XX/XX/2022 " I am writing to delete the following 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 the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-04-06
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: Personal information incorrect

Complaint:
on XXXX XXXX, 2022 i received a copy of My experian credit file and noticed Experian has added an address, social security number and an account to my credit file that does not belong to me. i contacted Experian the same day and was told to send a copy of my id and social security number and they will investigate and remove the social and accounts. today is XX/XX/2022 and the social security number and account is still being reported in my credit profile, today i tried to dispute it again online and got an error not allowing me to dispute although its not my social security number or accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted XXXX, experian and notified them that there where several unauthorized inquires on my credit and for them to remove them. First they did n't even care to help me over the phone and just told me I had to file the removal online and also call the creditor to try to remove the inquires first. But over and over I told them that it was unauthorized and I should n't need to do there job for them and that it was there job to remove it. 

I will list the inquires at the bottom that where not done by me and shame on XXXX and experian for trying to ruin my credit. 

XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date FiledXX/XX/XXXX Type Complete Department Stores Phone Number ( XXXX ) XXXX Address 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 explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to state that XXXX, XXXX, and Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX, XXXX, or Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, XXXX, and Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If XXXX, XXXX, or Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately.

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 2017-10-03
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent in payments of {$69.00} and the bank shows it cleared on XX/XX/XXXX, a {$19.00} payment and the bank shows it cleared on XX/XX/XXXX, and a {$530.00} money order on XX/XX/XXXX. XXXX/XXXX XXXX lost all three payments. They asked for proof and I sent them the banks print out of their stamp showing the two back checks were paid. The {$530.00} money order ( # XXXX ) was sent in the same envelope as another money order for {$590.00} ( # XXXX ) on XX/XX/XXXX. The {$590.00}. got applied toward my mothers credit card and shows cashed on XX/XX/XXXX. The {$530.00}. money order which was to be applied to my credit card wasnt applied to my credit card. I faxed a copy of both sides of the money orders also with instructions to contact XXXX XXXX to verify it had been cashed. 

After I faxed them the documentation, I received a letter from XXXX  stating they couldnt ( wouldnt actually ) contact XXXX XXXX to verify their own company cashed the money orders. As they were in the same envelope, I know XXXX/XXXX had to be the one to cash them both. XXXX XXXX charges a {$15.00} fee to tell you who cashed the money order. You can go through their phone system and enter the money order number in and it tells you the date it was cashed. 

XXXX essential y has done nothing to resolve their loosing these payments. Its going on two months and they still havent gotten this resolved

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 2017-10-03
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XXXX/XXXX/XXXX at XXXX I sent the 3 months payment thru XXXX XXXX. To XXXX XXXX account XXXX recived code XXXX for the amount of {$2200.00} on XXXX/XXXX/XXXX my car was picked by the bank at my job. I called the bank and they stated the payment was rejected and that it would be returned within 10 days. I been calling since the 10th business day and they keep saying the payment was rejected but no money has been sent back to XXXX XXXX. I have also been calling XXXX XXXX, they also requested a cancelation since I had XXXX on speaker when they stated they had rejected and denied the money sent. I was laid off from my second job and stared getting behind how ever they should return my money since the car is in there position & the stated they decline a payment that I have yet to received. They keep stating they rejected the payment. Im a mother XXXX XXXX XXXX with no financial help from anyone. I under stand the car getting picked up if I did n't pay at all but the money was sent.

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 2022-04-06
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I received a loan and it was direct deposited into a Venmo account. After a few days I was trying to transfer the money into my checking account so that I would have the money in there to cover my rent. It kept denying my transfer and then sent me an email to verify my identity and that my account had been frozen. I sent my drivers license and card customer service, my account had never been frozen before and I have other transactions with them. And they have also had a copy of my drivers license before because I deposited a check into the account with no problems. I contacted customer service and they said there is nothing that they can do and that the team that handles that there is no way that you can talk to anyone. I advised him that I needed my money transferred to the other account because I need it to pay my rent. I advised them I had gotten the loan to pay my rent and it was deposited into their account I can not afford late fees or any other charges they continue to tell me theres nothing that they could do that I would have to wait at least 4 to 5 days for them to verify my identity, which mind you has been verified already. And in the meantime I could not touch the money in my account that the account had been frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Citibank/CBNA has re-aged my accounts. They should no longer be on my credit report due to the statute of limitations in Texas. Instead of removing them they have been reporting that I have been making payments in order to re-age both of my accounts with them. For one ( starting with XXXX ) they reported a payment as recent as XXXX of 2017 with XXXX. I have tried to dispute the accounts with each of the credit bureaus and was not successful due to Citibank stating false payment information. I have also faxed Citibank asking that they no longer re-age my accounts and delete them from all three bureaus.

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 2017-12-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I submitted for Equifax to remove this account from my credit report. However all they did was update and send me a copy of my credit report. This account is closed and has a zero balance please have them to remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
RE : 1 ) MISSING-IRS FORM 1098 MORTGAGE INTEREST STATEMENT FOR 2021 2 ) Online Access to Tax Forms and Account Statement BLOCKED and unavailable 3 ) Request Lender receive XXXX Loan Modification Guidelines and Discrimination Practices. 

Hello, While there have been a multitude of problems with this lender and their predatory lender practices. Today 's primary complaint has to do with not being able to get the XXXX to issue a copy of my 2021/1098 Tax Mortgage Interest Statement. Problem # 2 ) Request Bank of America to " UNBLOCK '' borrower 's access to her online banking records and statements ; XXXX ) Ensure BofA has a copy of XXXX Loan Modification Guidelines ; For the purpose of this complaint ; I am a single Female XXXX years old suffering with some physical XXXX ; however remain gainfully employed. 

In essence, after repeated request to the Financial Institution. And the Tax Deadline coming up in approximately ( 1 ) week. It is urgent for the completion of my 2021 Tax Returns that I have my 2021/1098. In addition, for B of A to STOP blocking my Accounts online statements. There is no excuse for the Bank to not issue my 1098 or to block my account statements. These practices are inexcusable and shady. How can we have a productive business relationship under these circumstances? Last, to prevent further account abuse. Can CFPB, please provide the lender with the XXXX for XXXX XXXX XXXX? Due to the fact, we have been working on getting my loan modification processed before further Federal Reserve Int Rate increases. 

I so appreciate the CFPB. Consumers are very lucky to have this governmental body watching out for us. I am very grateful. 

Sincerely...

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 2017-10-03
Company: EQUIFAX, INC.
State: NC
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:
On XXXX XXXX, I sent a request to all three credit bureaus requesting that they correct two errors on my credit report. I promptly received responses from XXXX and XXXX XXXX correcting the mistakes, but I have not yet received anything from Equifax. They were supposed to respond inside of 30 days, but it is now 73 days and counting without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: GA
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 went to try and help my mom get a car and the people at the car lot told me that I could not cosign because of my credit I went home to see what they was talking about and there some stuff on there not mine can yall please remove XXXX  XXXX  XXXX  and XXXX. I am doing this on my own behalf and I contacted the FTC and my local police,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: WA
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:
I have a debt from XXXX XXXX, and it was first made more than XXXXyears ago. But yet all of the credit agencies and XXXX XXXX are saying that the account was opened this year. I have not made any payments, no collections have been made, and I have not contacted them nor they contacted me. So the dates are being forged. Also the original creditor. ( XXXX XXXX ) sold the debt to a company called XXXX XXXX XXXX or something like that. And as far as I am aware, it is illegal for them to trade/sell the debt to another debt collector.. and that they have to first even ask me if it can be on my credit report. 
I believe that after XXXXdays the debt collection agency is no longer able to try and collect this debt from the debtee which they have tried to do.. I receive phone calls at random intervals and times from debt collectors, but I do not tell them who I am so it won't be a " contact '' for them. 

Please look into this and remove it from all of my credit reports. 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 non-monetary relief
Consumer complaint received 2017-10-03
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: Information belongs to someone else

Complaint:
VIOLATES HIPPA AND CRA

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 2021-06-11
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attended XXXX University online on or around XXXX taking classes towards my XXXX. I was informed at the time that I could withdraw from classes within 10 days per the financial aid rep/counselor. I had three classes and decided it was overwhelming due to just having a baby and was assured that this would not go against me adversely. With this misinformation my GPA dropped, started receiving emails stating that I owed over {$3000.00}. I then proceeded to settle the problem on different attempts with a letter of grievance, doctors documentation etc. to no avail.

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 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made an error and underestimated the power of my credit. I forgot to pay my card and it caused me to get a 30 day late pay negative mark on my credit. Since this has happened I have opened a new card with the same company using it quite frequently and have paid it in full as I go. 
I 've learned a great lesson from this, pay on time and never be late. Credit is such a important tool and it must be respected. 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 2022-04-06
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, I began refinancing my mortgage w/ US Bank XXXX I took all the paperwork to my local bank. They downloaded all the of the information that they required. I received a call from the Mortgage XXXX in XXXX. They needed the information. I advised that I had submitted all required paperwork. They stated they don't have it. I went back to the local bank. They stated that everything was indeed there. 
This back and forth went on for several weeks. In XX/XX/XXXX, I resubmitted more paperwork that was needed and sent it in an e-mail. Weeks go but and in XXXX I receive a call they don't have it. I stated that on XX/XX/XXXX I e-mailed it. He looked and stated to me that he found the e-mails and he didn't know how he overlooked them. He reports all is going well and they should be able to finish as they had everything they needed. They call again and can not find the paperwork. It was resent. Weeks again pass and we get another call on XX/XX/XXXX and they had just completed out work history. I stated why did it take so long to verify employment. He gave me a bunch of useless responses. On XXXX XXXX supplied them with the information they needed again. Get another call that they have no paperwork. I explained to him that I had turned it in that day and it was there. He found it. he said now they can close on the deal. Now it is XX/XX/XXXX and nothing. I go to the local US bank again. I'm told they dropped it and would need to resubmit from the beginning again. Now the interest rate went from 2.99 % to 4.69 %. I am more than frustrated. The party from US bank Mortgage in XXXX should be fired for being incompetent.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: MS
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2017-10-03
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I started this dispute with paypal in XXXX XXXX. I sent this to the SEC and they referred me to you.I think PayPal is ignoring me because they failed in their, Fiduciary duties of protecting my money, and not sending me proper disclosure. In XXXX of this Year, I sold a coin on XXXX. PayPal collected my money. About 3 days later I got an email from PayPal saying that they were going to give the money back to the buyer, even though the buyer receive the coin he bought. An obvious scam!!! I called PayPal to ask how they had the authority to do that without my permission. They said they sent me emails telling me that if I did n't do certain things they were going to give the money back. I said I never received any such email and asked them to prove to me that they sent the emails and prove that I got them. I have been trying to contact PayPal by phone and by 3 certified letters over the last few months, the Last one was to the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I asked them to contact me to get this matter settled, I have received absolutely no response, I 've sent to their corporate offices in XXXX XXXX California. I think PayPal knows their wrong and think 's I will go away. I recently saw an article indicating that a class action suit was being brought against PayPal for the exact same reason as my case. I can send you copies of all my correspondence if you wish. I would think that a gigantic corporation would try to treat their customer like they meant something to them. Paypal is the Ocean and I am just a piece of sand. Well this piece of Sand Served in the XXXX XXXX XXXX where I learned to fight back. Maybe you can explained to me why I 'm bein ignored. Please Help Me

Company response to consumer: Closed with monetary relief