BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-19
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:
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME FRAUDULENTLY : XXXX XXXX OPENED : XXXX AMT.XXXX DEPARTMENT OF EDUCATION/XXXX  OPENED : XX/XX/XXXX AMT.XXXX XXXX XXXX ( XXXX XXXX  ) OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX  ( XXXX   XXXX XXXX  ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  XXXX XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX I WOULD LIKE THE ABOVE REFERENCED FRAUDULENT ACCOUNTS DELETED AND THE FRAUDULENT INQUIRIES. 





Inquiry details XXXX  XXXX XXXX from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX 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 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 XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Comerica
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been disputing an unauthorized bank money transfer with XXXX XXXX ( Comerica Bank ) for the amount of {$1900.00} since XXXX of 2017. I never lost or allowed anyone to use my debit card or shared my account information. As soon as I discovered the unauthorized money transfer, I requested a replacement card and filed my first formal written dispute. 

This is a financial institution that was automatically selected for me to receive my monthly veteran 's XXXX compensation. I have filed ( XXXX ) separate formal dispute letters. Every time I keep getting a letter back from them that reads after investigating my allegation they determined the transaction " never occurred. '' This is extremely frustrating since I have spent countless hours on hold and getting disconnected many times. I have also spoken to service representative who agree that I have a claim and " managers '' have also agreed that it was an oversight from their Dispute Resolution Center. These telephone calls are all supposed to be recorded by them. 

I have all the paperwork to prove my claim. Last year I switched my veteran 's XXXX benefits to another bank. Any guidance you could provide on how to resolve this issue will be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I purchased a {$180.00} round trip to XXXX, CO from XXXX, TX through XXXX XXXX that was scheduled to fly on XX/XX/XXXX through PayPal. I received a confirmation email for my flight saying that tickets would be sent at a later date. However, on XX/XX/XXXX I was sent a notification from PayPal stating that my payment was being held due to some government regulations ( I suspected it was due to the coronavirus ). Since PayPal held my payment, XXXX XXXX cancelled my flight because they did not receive their payment. I was okay with this at first. It turns out that on XX/XX/XXXX, the full {$180.00} was debited from my account and sent to XXXX XXXX anyways AFTER they had cancelled my trip. THAT IS NOT A FAIR TRANSACTION. I opened a case with PayPal but they have been taking forever to reach out back to me to receive a full refund which i believe is perfectly warranted, and by now my bank has already charged me a {$34.00} overdraft fee. Even if I receive a full refund now, I'd still be losing money. Tell me how that makes any sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I submitted a certified letter to XXXX XXXX XXXX ( XXXX ) requesting they verify the information they are reporting on my credit report as they believe is true. 

On XX/XX/2020 the letter was returned as undeliverable to the address in which was provided on my credit report. 

On XX/XX/2020 a certified letter was sent to Equifax disputing the false information in which XXXX XXXX XXXX is reporting to Equifax on my credit report along with a photo copy in of the undeliverable returned mail in which i tried to reach to the company requesting more information about the debt they claim to mine. I asked that Equifax remove this claim due to the inaccuracies of this company reporting a false address. Equifax denied the information reporting on my credit report was accurate, which will be provided below. 

On XX/XX/2020 another certified letter was sent to Equifax disputing the same information asking them to delete the false Collection due to inaccuries and once again Equifax stated they could not found the collection on my credit file. XXXX is the same Company as XXXX XXXX XXXX but they claim Via XXXX or XXXX XXXX XXXX could not be found on my credit report each time I have disputed this information twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech financials processed loan payment on XX/XX/2020, 17 days after they were not to not take any payments, whereas XXXX dba XXXX XXXX, was to process payments effective XX/XX/2020. 

Called XXXX/XXXX after not being able to send secure email as advertised, therefore am really concerned with this loan servicer ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello last month I sent letters informing all 3 credit bureaus that inquiries on my credit report was not recognized by me and they did not remove or validate that I authorized these inquiries. I then received a letter on XX/XX/XXXX that all three credit bureaus system was breached from XX/XX/XXXX and XX/XX/XXXX. Attached is the letter showing that their system was breached any debt and inquiries on my report that were closed or derogatory or could possibly negatively effect my credit need to be removed immediately as you have recognized that the security of your company has been compromised and put me at risk this is in violation of FCRA if this is not going to be honored. Inquiries below should be removed from XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX The XXXX XXXX XXXX not recognized and also does not show the original creditor. This is in violation of FCRA guidelines. 

Also attached is the screen shot showing that XXXX XXXX was removed by not removed from my report still showing as closed. 

TransUnion Inquiries XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX Also attached is XXXX showing contradictory information which is a violation of FCRA shows bankruptcy filed on different dates that information must be consistent showing XX/XX/XXXX and XX/XX/XXXX. Please delete this information immediately, for XXXX XXXX, XXXX and XXXX XXXX. 

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 2021-11-03
Company: EQUIFAX, INC.
State: DE
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 have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to experian, equifax, and transition on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have XXXX, equifax, and transition remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX  from my credit reports .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Trans Union and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-08-16
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Santander Consumer USA is erroneously reporting a balance owed on a voluntary repossession. They failed to provide proper notice of auction or sale of vehicle and are now reporting an erroneous balance 7 years later of twice what they originally reported on credit bureaus. They failed to follow legal protocol in the sale and notification of collection efforts on account, never notified me, and after previously agreeing to rectify the matter and remove the erroneous debt, they are now reporting it again several years later. There should be a XXXX  balance on the account and no adverse reporting, as the vehicle sold for more than what was owed on loan. Also, the loan was the legal responsibility of co-borrower and should not be reported in my name at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has close my account for no reason and refuse to help me get my money and getting my account up and going Im not assure this a mistake because they have refuse to even try to help me come up with excuses sayings its final it my appeal has been denied and stuff and I needed my money for paying off my credit card I think you know how I feel my PayPal email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: TN
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:
my father company file bankruptcy XXXX XXXX and his name is XXXX XXXX XXXX. this is not my filing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
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: Information belongs to someone else

Complaint:
A XXXX XXXX ACCOUNT WAS PLACED ON MY XXXX, EQUIFAX AND XXXX  CREDIT REPORTS I ADMITTEDLY CONTACTED ALL 3 CREDIT BUREAUS AND DISPUTED THE ACCOUNT MAKING EACH AGENCY AWARE THE ACCOUNT WAS FRAUDULENT ASKING THEM TO PLEASE VERIFY THE ACCOUNT ( I DID THIS THRU CERTIFIED MAIL ) I RECEIVED A RESPONSE STATING THE ACCOUNT WAS FOUND TO BE ACCURATE FROM EACH AGENCY I THEN REDISPUTED REQUESTING PROOF OF HOW THE ACCOUNT WAS PROVEN TO BE ACCURATE I REQUESTED WRITTEN PROOF AGAIN THEY RESPONDED WITH THE ACCOUNT WAS FOUND TO BE ACCURATE ( NO PROOF NO SIGNATURE OR ANYTHING ) I HAVE MAILED EACH AGENCY A POLICE REPORT & A ID THEFT AFFIDAVIT THAT MY IDENITY WAS STOLEN, XXXX, EQUIFAX & XXXX   CONTINUE TO STATE THE ACCOUNT IS ACCURATE WHEN CLEARLY IT IS NOT MY ACCOUNT, SO NOW THAT FRAUDULENT ACCOUNT CONTINUES TO SIT ON MY CREDIT REPORT HARMING MY SCORE, I WOULD LIKE TO GET THIS ISSUE RESOLVED AND CORRECTED THIS ACCOUNT DOES NOT BELONG ON MY CREDIT REPORT ALL 3 AGENCIES CONTINUE TO REPORT A INACCURATE FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: ACCOUNTS ADVOCATE AGENCY
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: Account information incorrect

Complaint:
I spoke with a representative from Accounts Advocate Agency in XXXX PA but to inaccurate credit reporting. I politely informed this representative that that I am disputing the account. I requested they delete the credit reporting while under dispute. She because extremely rude and nasty and was accusatory regarding my dipsute. She also made claims that her note documentation on the account meant that my dispute was not valid. There are no parts of the FDCPA that allow a collection agency to reject a consumers dispute based on the agencies notes. The FCRA allows for consumers to dispute accounts and the reporting agency is required to validate the balance. With that being said, the money is not owed to the reporting agency so there are damaging my credit based on the word of one of their clients.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: RI
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:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. XXXX XXXX XXXX***

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: TN
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:
my father company file bankruptcy XXXX XXXX and his name is XXXX XXXX XXXX. this is not my filing

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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
my father company file bankruptcy XXXX XXXX and his name is XXXX XXXX XXXX. this is not my filing

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 2020-06-23
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My XXXX  app for crypto currencies says that I can't link my PNC checking account to withdraw or add funds. This was working end of XXXX as I just made a deposit to XXXX from PNC on XX/XX/XXXX. Now I can't withdraw my funds and my money is stuck in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: SYNCHRONY FINANCIAL
State: VA
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:
XXXX XXXX XXXX Has been deleted from XXXX and XXXX, but still remains on 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 2018-08-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2018, I contacted Experian about the errors that they are reporting on my credit file. In a detailed letter. I received a letter back that that they did not remove these errors from my credit history. Told them that they have eroded addresses, error employers, and eroded telephone numbers

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 2018-08-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian has 2 inquires on my report that I DID NOT authorize, >>XXXX XXXX XX/XX/2018<< & >>XXXX XXXX XXXX XX/XX/2018<<, I DID NOT apply for credit with these companies/businesses and therefore they NEED TO BE DELETED!

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 2019-06-17
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: Information belongs to someone else

Complaint:
These accounts are not mines, not sure if they are mixed up with someone with a close name or just an clerical mistake ..but please remove these accounts immediately. 

1 ) XXXX XXXX {$1000.00} 2 ) XXXX XXXX XXXX {$83.00} 3 ) XXXX XXXX 4 ) XXXX XXXX  5 ) 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 2019-06-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland contacted me about being sued for a credit card debt. I was greatly confused by where all this came from. I then checked my credit report and provided XXXX  with proof for a dispute. XXXX completed their investigation of the accused debt. XXXX investigation Resulted in debt being removed from my report due to fraudulent charges and incorrect amount. Informed Midland the company suing me in court. Yet, they have continued to harass me and cause me stress and grief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: TX
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:
Sent dispute letters to XXXX, XXXX  & Equifax asking for verification ( original wet live signatures ) on ALL ACCOUNTS on credit report. No information was provided on how accounts where verified, did not receive original wet live signature contract copies as requested on dispute. 

On XX/XX/2019 dispute letters where received by all 3 credit bureaus mentioned above. 30 days after receipt I was given no information on how the accounts on my credit report where verified nor was I given a copy of a wet live signature that binds me into contract with any of the accounts reporting on my credit file. I have attached a photo of the certified mail receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: MoneyLion Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). MoneyLion, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).

Company response to consumer: Closed with explanation