BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: NY
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2019-10-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
hello, we had a business checking account with US bank. Back on XX/XX/2018, we found out that 5 of our checks had been stolen from the post office and were altered and cashed/deposited in someone elses name, other than the intended party. The amount totaled {$22000.00}. We contacted US bank to let them know and ask why they had approved these checks to be paid out to XXXX  XXXX XXXX, when you can VERY CLEARLY see these checks had been altered. They said it was very obvious fraud and they do not understand why they cashed these checks when it is very very very obvious these checks were altered, ( check images attached, you can clearly see someone used white out to change the name, the line where the name goes isn't even in tact ) which leads us to believe, someone at one of the banks was in on this scam. US bank   said they will open an investigation and get our funds back from XXXX XXXX XXXX. After almost 1 and a half years of getting the run around from US bank, they finally told me XXXX XXXX XXXX is not responding back to them about returning the funds so there is nothing US bank can do for me. They want me to eat the almost {$23000.00} loss because of something they did wrong. We did ABSOLUTELY nothing wrong, the banks need to examine the checks before giving the " OK '' to be cashed. US bank failed to ensure the checks are legit, before cashing them, so therefore they are responsible for the checks, not the customer!

We demand US bank sends us the funds in the amount of {$22000.00} due to their negligence.

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 2018-03-16
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I believe this is the agency that has been hacking into my accounts using fake XXXX accounts Received a letter from them has my social security number listed! Stating that I own XXXX XXXX money. 

Was not XXXX Bank obligated to protest card holder for hackers inside their company and from hackers that used their company to hack peoples accounts? 
Someone using Discover Bank hacked into my bank and took {$300000.00} a few years ago. XXXX DID pay it back BUT did not stop them from hacking and taking funds from my XXXX and XXXX XXXX cards to the amount of over {$40000.00}! This funds sent to a fake XXXX credit card account! 

Discover Bank NEEDS to stop letting hacker work for them!!! 
They owe me over {$40000.00} plus the amount that the hackers took from my XXXX Credit cards. Plus damaged that they did to me of {$50000.00}. 

In XXXX of XXXX  I became XXXX and sent a claim into Discover Card to have my payment paid by the payment protection plan that ALL card holder had pay for> I was told I did not have that coverage that I was paying for as required by them ( federal court ruling XX/XX/2012 XXXX I can canceled both cards and started to pay them off at {$100.00} to {$300.00} per month. About four years ago someone at Discover Bank or through them took {$3000.00} from MY bank! They did send me a blank check for no more then # XXXX! But when the hacked into my bank the got my other credit cards and started transferring money ot of them to a fake Discover card account! Before I caught them and pt a stop to it the took over {>= $1,000,000}! Discover Bank has been ordered by several federal court to stop setting up fake accounts in class action law suites!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for forbearance while I was on furlough  XXXX thru XX/XX/XXXX. Even though I was under a forbearance the ServiSolutions continued to call to say that I was in breach of contract and defaulted on my loan. It got to the point that I pulled money out of my savings account to make the back payments. 


When I called in XXXX to ask about the statements showing I was behind on my payments, the customer service rep told me to not worry about the statements. The statements are not correct since I'm in a forbearance. So I trusted her and I ignored the statements and started making my payments at {$940.00} per month. Now, I find out that ServiSolutions or Alabama Housing Authority has been applying my payments to the previous month 's statement and not the current month and they are charging me a late fee for not paying XXXX! Im also sure they will ding my credit report with a late payment! 


I have worked very hard to have achieved my XXXX credit score and I do not intend to have them ruin it with their sneaky practices. 


I just got off the phone with another customer service rep at ServiSolutions and she was not willing to help. She simply said that this should have been explained when I took out the forbearance and that the late fee was because I had not paid XXXX 's payment. I did pay XXXX 's Payment! 


Ive listed my payments for the last 12 months below. 


XX/XX/XXXX2020 BILL  PAY ServiSolutions ON XXXX {$940.00} XX/XX/XXXXXXXX  BILL  PAY ServiSolutions ON XXXX {$940.00} XX/XX/XXXX BILL PAY ServiSolutions ON-LINE ON XXXX {$2000.00} XX/XX/XXXX BILL PAY ServiSolutions MOBILE ON XXXX {$1000.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received letter shipped by standard mail, dated XX/XX/2019. Letter is from Hyat, Hyat and Landau,  XXXX, stating that they are attorneys for XXXX XXXX XXXX. Such firm is stating that they are trying to collect a balance of XXXX owed originally to XXXX XXXX, XXXX. 
The letter states that unless I dispute the validity of the debtwithin 30 days after its receipt, it will be assumed that the debt is valid. 

Collection Agency : Hyat, Hyat & Landau, P.L. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Fl XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 mailed multiple certified letters to XXXX and Transunion regarding this issue multiple times. They are not getting the issue resolved. I have 22 inquiries from Transunion that I have no knowledge of or nor do I recognize the inquiries. There are only 3 inquires that I recognize from XXXX  out of the 37 hard inquiries on my credit report. 
These are the dates that I sent letters to each credit bureau requesting removal : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020

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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Delta Management Associates, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I spoke with XXXX at Delta Management Associates in regard to the refund checks owed to me due to the CARES Act. She was not able to provide any information about the refund checks in terms of when they would be printed, when they would be mailed or an estimated time of arrival. After several days and several phone calls, XXXX mentioned her supervisor XXXX XXXX was either not in the office or was leaving the office early everyday, so she was not able to get any information from him about the refund checks. 

XXXX and XXXX both refer calls to Delta Management Associates for questions in regard to refund checks yet Delta Management Associates has their head up their XXXX and is unable to provide any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: AR
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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$290.00} XXXX XXXX   XXXX XXXX XXXX  XXXX {$77.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: ONLINE Information Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
date XX/XX/2021 the amount XXXX I called the company named XXXX XXXX XXXX XXXX, XXXX and advised them that my identity was stolen, as I have never lived in Texas, and I also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2020-04-28
Company: Experian Information Solutions Inc.
State: AR
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 file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX  XXXX {$180.00} XXXX  XXXX {$370.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1000.00} XXXX XXXX {$280.00} XXXX/XXXX  XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX/XXXX XXXX {$780.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$180.00} XXXX  XXXX {$370.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$1000.00} XXXX XXXX {$280.00} XXXX/XXXX XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX/XXXX XXXXXXXX {$780.00}

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Transunion, XXXX  and the rest of there little circle of credit personal tarnish and make sure i can't succeed in life

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 2020-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/2020, i notice some inaccurate and incomplete items on my credit reports from XXXX, EQUIFAX, AND XXXX. So on the XXXX of XXXX, i disputed the items with the 3 companies and has attached copies below of the letters that i responded and hasn't heard anything back from neither of them.i also wanted my address updated because they are reporting inaccurate addresses as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The foreclosure of my home happened while no notices were ever sent to me, nor was ever posted on any part of my residence, I hereby accuse XXXX XXXX XXXX XXXX XXXX and the law offices of XXXX XXXX, XXXX  of violating all foreclosure law and procedures. I have nor had any knowledge of foreclosure activities against me or my property until a change of ownership notice was left taped on my front door. 
I strongly believe the lender and its trustee have broken the law by foreclosing on a property with any Debt validation nor any proper foreclosure notices at stipulated by California civil code 2924. ( a ) through ( F )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing this account since XXXX of 2019 with multiple dispute letters I sent in the hope of removing this inaccurate XXXX XXXX - XXXX account on my credit report. It is tiring and expensive going back and forth sending dispute letters with TransUnion and they do not mind reporting the same inaccurate information over and over. They continue to say that the account has been investigated and fully verified but it's still inaccuracies, missing information reporting. 

Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurate, I request deletion immediately. 

Error as follows : This account is no longer reporting in XXXX  so this needs to be removed from my credit report. 
What is the monthly payment on this account? 
The credit limit is not provided The past-due account is not provided. 
What is the date of the last payment on the account? 
The remaining balance reporting in TransUnion is different from XXXX. 
You are reporting a different date account last reported. 
The comment on this account is completely different from the comment section from 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 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im not producing a score, and I added a couple of tradeline on my report, and I added these trade lines a couple of months ago

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 2021-07-10
Company: Mountain Run Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mountain Run Solutions at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, has been sending me collection notices through text and written notices in the amount of {$1500.00}. The collection has been reported as past due balance. I DO NOT know this company nor have I ever done any business with this company. The company does not have a contract with my signature and has failed to respond to any written notifications to validate their claim. According to the FCRA, Mountain Run Solutions had violated my rights as a consumer and I am requesting legal action to remove this from my report immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i signed up for a walmart visa. despite my average credit line being about {$20000.00}. they approved me for {$500.00} or some insanely low amount that should have been a denial,. I immediatly contacted the XXXX number to reject the offer of credit. I was never even sent a card. however the bank insists on reporting an account to my credit report for the 5 min it was open from when I was approved to my calling to tell them to shove it. i never used this account. i was never issued a card. i never recieved a card. this should not be reflected on my credit report affecting my score as a new account. I have contacted many times but i think reps are in XXXX and just follow a script and this aint on the script. 

please remove the accounts from my reports.

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 2021-05-07
Company: Paypal Holdings, Inc
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Paypal Holdings, Inc
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 closed my account for no reason. I never disobeyed any agreement or policy. I believe that this was because of me receiving {$1000.00} on my account, but I don't see anything wrong with the transfer especially because I personally know the sender. They asked me to submit a photo ID and explain those transactions, and as well a bank statement which was supposed to be confidential. I submitted all of these to comply in hopes of getting my account being restored but the next working day, I saw that my account has been permanently restricted and I can only withdraw my funds after 180 days. I have sent them an e-mail but to no avail, they have not replied. This is affecting me so much because I use PayPal frequently and this has been the third time that they requested for my documents. This is my only way to accept funds outside my country. My e-mail linked to my paypal is " XXXX ''. Attached herewith is the photo ID that I used to prove my identity.

Company response to consumer: Closed with explanation