BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX Ive sent a written dispute request to TransUnion of XXXX bankruptcies thats reporting on my credit report, asking that this be investigated and verified with reporter with the method of verification including 1.Name of the court house who supposedly reported the information to the credit bureau .

2.Name of the person at the court house who handled this verification request.

3. Address of the court house and phone number 4. Document obtained from the court house to verify the authenticity of the bankruptcy.

TransUnion responded to this 5/12/23 written request VERIFIED AS ACCURATE with NONE of the requested information of method of verification.

I contacted US bankruptcy court Michigan and they informed me and also sent me a letter stating they DO NOT report any bankruptcies to credit reporting agencies, nor do they update information directly to credit bureaus. 

XX/XX/XXXX Ive forwarded this letter from US bankruptcy court Michigan to the credit bureau TransUnion letting them know they initial response stating that the information was verified as accurate was either an error or an investigation was NOT done. 

XX/XX/XXXX Transunion responded with the same letter from the first corresponded stated that the information was VERIFIED AS ACCURATE Transunion has not provided me with me 1.Name of the court house who supposedly reported the information to the credit bureau .

2.Name of the person at the court house who handled this verification request.

3. Address of the court house and phone number 4. Document obtained from the court house to verify the authenticity of the bankruptcy.

In order to verify that information is correct, the information must come directly from the source who is reporting this information for it to be verified as ACCURATE. I believe Transunion did not do any investigation to verify this information with the reporting source because they did not provide me with the requested information and its proven US bankruptcy Michigan DO NOT report or update any information to credit bureaus. I will attach proof.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: GA
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've identied inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me 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

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 2022-08-31
Company: EQUIFAX, INC.
State: GA
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've identied inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me XXXX XXXX A XX/XX/XXXX, EQUIFAX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have try to dispute this information on my credit report and they say that is verfied by a third-party company watch is illegal according to 5 U.S. Code 552a - Records maintained on individuals.

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 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
In 2018 I began complaining to Capital One Auto Finance that my account terms and balance was incorrect. I spoke with representative after representative. I would explain to them what was posted on the website was incorrect. What they told me was in their system and what was posted on their website did not match. I would put request after request for a supervisor to call me and no one would ever contact me. Well, when the contract end was near, I once again disputed the balance on the account. After several months of dispute, we finally came to an agreement as to what was owed to pay-off the account and that amount was paid. The issue is that during the final six-month dispute they reported me delinquent. I did not think it was proper for me to pay the incorrect amount and then fight to get a refund. It was the end of the contract and I do not believe it to be fair for you to report me as delinquent when there was a formal and legitimate dispute of the final payment total. Yes, the final payment was corrected and paid ; however, this inaccurate reporting to the credit bureau continues to cause me financial hardship in my attempt to purchase a home. I want the delinquent reporting corrected or remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunioncustomerservicedepartmentandfrauddepartmentrefusetoremoveunknowninquiriesfrommycreditreport.Theinquiriesthatneedtoberemovedare:XXXXXXXX.XX/XX/XXXXXXXXXXXXXX/XX/XXXX,XX/XX/XXXXXXXXXXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX.XX/XX/XXXXXXXXXX/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 2021-06-10
Company: Experian Information Solutions Inc.
State: NY
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 filed disputes with Experian, XXXX and XXXX having incorrect information on my report from XXXX XXXX XXXX  XXXX along with Chapter XXXX and Chapter XXXX in which I submitted letters from court to credit bureaus which they say was it was vertified, without giving me information on who vertified information on XX/XX/2021. It has been well over 30 days and i haven't received any investigation results.

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 2021-06-08
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a mortage with Wells Fargo in XX/XX/2020 I took 3 months relief not to pay and then I took another 3 months relief. Then I started paying a regular payment every month I called them .Wells Fargo up in XXXX stating that I wanted to do something about the those 6 months that I had missed and they gave some options I told since it was like {$7000.00} I would like to put it at the end of the loan. So we started a modification process but it was taking a long time. Then we got a letter stating they sold my sold my loan to XXXX it was in underwriters on XX/XX/XXXX it went to XXXX and when I called the underwriters they said you are no longer with us you have to call XXXX. It was the same time the payment was due and called and would not except no payment unless it was the {$7000.00}. Or call them back XX/XX/XXXX for a review. This is my complaint

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 2022-01-10
Company: Paypal Holdings, Inc
State: NV
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 and XX/XX/XXXX, I paid {$470.00} & XXXX, respectively from my PayPal account for an XXXX. On XX/XX/XXXX, PayPal deducted an additional, unauthorized {$130.00} from my account based on a claim from XXXX that I am disputing and was disputing at the time PayPal deducted the {$130.00} from my account. I disputed the payment with PayPal, and their decision favored XXXX. They immediately closed the case. Neither PayPal nor XXXX has provided me with anything justifying the charge! It is an arbitrary amount with no basis. 

Furthermore, PayPal made XXXX an automatic payment recipient WITHOUT my approval based on the very first XXXX reservation I made in XXXX. That payment was supposed to be a one-time payment authorization. It was never implied or approved to make all future payments were automatically authorized. Had they not unilaterally made a decision to make a payee an automatic payee, I would have been able to stop the payment. Instead, they took money out of my account without my EXPRESS approval. My contract with XXXX was for the initial {$950.00}. There is nothing that I have signed to authorize the additional {$130.00} taken from my account! PayPal has made no effort to fairly resolve this issue, and has left me with no ability to respond to the decision they made to deduct {$130.00} from my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector refusing to provide account validation information. Debt does not belong to me and collection agency refuses to provide validation info.

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 2017-08-24
Company: CITIBANK, N.A.
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:
I would like for Citibank to remove the unauthorized inquiries on my credit report that was reported by XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX I HAVE ATTACHED THE INQUIRIES PLACED ON MY CREDIT REPORT

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 2019-07-18
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My employer ( a bank ) informed me of a Robinhood account under my name, which I was never aware of. I don't remember opening such an account and I have never received any correspondence from Robinhood about this account. I believe the account was falsely opened sometime in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: WI
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 have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Affirm Holdings, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done AFFIRM INC can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If AFFIRM INC reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CITIBANK, N.A.
State: TN
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:
Under Federal Law, ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 U. S. Code 1602 ( l ).

This account is associated with my card ( social security card and it identification card and therefore under Federal Credit Reporting Act 15 U. S. Code 1681 ( a ) under the Exclusion section ( b ), any authorized or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, transunion, XXXX I just received my investigation results. Report XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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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 2018-10-14
Company: Social Finance, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In early XX/XX/2018, I applied on www.SoFi.com for a personal loan. I have excellent credit and income and met all of the qualifications necessary to receive the loan amount of $ XXXX that I applied for. I went through the SoFi account review process submitting all required bank account documentation and proof of income and was approved for a loan. When the review process was completed I was sent my loan agreement and signed it on XX/XX/2018. My first payment on the loan was to be due on XX/XX/2018. However, for some reason, SoFi has refused to fund my loan and hasn't given me any plausible explanation. It is now XX/XX/2018 and SoFi has not funded the loan per our agreement. Every time I have contacted the company about the status of my loan they have only offered vague excuses and empty promises of the funding being ready to go. My SoFi account has now been placed in permanent 'signature review ' status. SoFi recently notified me that my application has expired even after I have provided everything that they've asked for. Based on my experience with this company I strongly suspect that I have been discriminated against based on race or because I am a senior citizen.

Company response to consumer: Closed with explanation