BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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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 2023-03-08
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was in XXXX XXXX, LA from XX/XX/23 to XX/XX/23. On XX/XX/23, I was robbed of my cell phone, and I had no access to the phone this entire day. During this time, the user was able to log into my Cell Phone, and use my Venmo to send XXXX separate transactions, XXXX for {$1900.00} to a XXXX XXXX, and another for {$850.00} to a XXXX XXXX. Since I was not in possession of my phone at this time, I did not authorize either of these transactions to occur. I discovered these transactions on XXXX, when I went to buy another phone to find that these fraudulent transactions had taken place while the stolen phone was in another person 's possession. 

I have spoken to Venmo Customer Support to understand what happened, and I was told that both of these transactions were disputed, resulting the {$1900.00} dispute being closed, and the other {$850.00} dispute being ongoing in investigation. I was instructed by Venmo to follow up with the Dispute email to explain my situation and what had happened. Venmo is claiming that I owe {$1800.00} back to them as a result of the {$1900.00} fraudulent charge, with the {$850.00} charge still pending. I have never used Venmo to send someone more than {$500.00} in my entire time of using Venmo. 

Additionally, whomever did rob me of my cell phone also was somehow able to use XXXX XXXX to send out XXXX different fraudulent transactions from my XXXX XXXX debit card that was stored in the XXXX XXXX, each for less than {$250.00}. I have submitted a fraudulent claim with XXXX XXXX and I am awaiting their response on this matter. 

I do not expect Venmo to refund these charges, for historically Venmo customer service does not side with users who experience fraudulence like this. I have had XXXX XXXX place a freeze/hold on any collections that come from Venmo in XXXX future. I do not {$1800.00} to cover this fraudulent charge, even if I wanted to pay this off regardless of the Venmo Dispute outcome.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: TX
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 recently checked my credit report and there I discovered a lot of inquiries from unknown sources. These was not authorized and should not be on my 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 non-monetary relief
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently checked my credit report and there I discovered a lot of inquiries from unknown sources. These was not authorized and should not be on my 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 non-monetary relief
Consumer complaint received 2022-02-08
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: Account status incorrect

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have been in contact with the companies in this complaint and the credit reporting agencies who are listing invalid information. I require these corrections to be made because I take pride in my credit file. My attempts to correct my credit file has gone on deaf ears and blind eyes so I am here now as my last stop before I involve the courts. I do not nor have I consented to allow the credit reporting companies to furnish the information that I have deemed as incorrect or not mine 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2018-08-13
Company: JPMORGAN CHASE & CO.
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:
XXXX pulling or letting people pull my credit is a violation of my rights also XXXX and XXXX  hacking me just b/c I distuted inaccurate information it's the law I have the right to dispute inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Whom This May Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX reported on XX/XX/XXXX As you Know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity o the remark. 

I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a social worker and am applying for the Public Service Loan Forgiveness program. I completed graduate school in XXXX. Since then, I have been employed by eligible employers and have been making automatic monthly payments through FedLoan, my servicer. 

FedLoan has an inaccurate count of my payments. According to FedLoan, I am eligible for loan forgiveness in XX/XX/XXXX. They claim that I requested loan forbearance in XXXX and deemed payments that I made in XXXX, XXXX, XXXX and XX/XX/XXXX ineligible. 

I have never requested forbearance. According to my records, I should be eligible for forgiveness in XX/XX/XXXX. I made three additional payments in XXXX, XXXX and XX/XX/XXXX that XXXX count under the XXXX PSLF waiver, but I will need to provide an employer verification form. If successful, that would move my estimated forgiveness date to XX/XX/XXXX. 

I have spoken to several FedLoan representatives to address my concerns, most recently on XXXX XXXX, XXXX. At that time, my estimated forgiveness date was listed as XX/XX/XXXX. After the review, my estimated forgiveness date was changed to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: BARCLAYS BANK DELAWARE
State: NY
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I noticed that two credit cards were opened under my name in XX/XX/2018. I'm working with a financial counselor now to correct these mistakes as they negatively impacted my credit and I am now receiving statements regarding these debts. We filled out a report on Identitytheft.gov and contacted the credit bureau and creates a security freeze on my accounts. An account with XXXX is under my name now with a balance of XXXX and an account with Barclays with a balance of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) ( XXXX ) - XXXX XXXX XXXX  ( XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX ( XXXX ) 15 USC 1681 sec . 602 A states I have right to privacy.

15 USC 1681 section. 604 A sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) sec. States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-02-08
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a mobile deposit was made into my account for {$600.00}. The deposit check was in my old name I have walked into the bank now 3 times with documents verifying this information. Due to the incompetence of the bank and its back office its now going on 2 months with a administrative hold on the account. I would like my funds from the account. 

Huntington has been giving me the runaround for weeks with multiple calls and visits to the bank branch. With no resolve and more request for the same documents they have been sent 3 times. My last straw is calling the bank today for the representative to tell me that no one has noted the account that the faxed documents were sent by the branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech XXXX XXXX XXXX  mailed notice of escrow shortage on XX/XX/2019. The notice was received on the XX/XX/2019. On XX/XX/2019 contact was made with Ditech and a request for the due date was questioned. The letter fail to inform the due date of the shortage prior to automatically adding the shortage payments of {$40.00} to my monthly payment. The letter stated that the monthly payment will also be changed and the date for this falls on XX/XX/2019. How can this be possible? Ditech did not included a final due date on their letter of intent and forces a monopoly control on the mortgagor ( s ). This action to increase and force a higher payment is wrong and does not comply with the Statues of Limitations Enactment Laws. I have requested for full review of Escrow from the date of our account and property assessments from XXXX County Tax Assessor. ( Please request these for me ) I have requested the contract and yet to received my request. ( Please ask for them ) I understand that taxes increase, but Ditech must not increase without notice of a due date payment. 
Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XX/XX/XXXX Balance : {$1700.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00}

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 non-monetary relief
Consumer complaint received 2021-02-05
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I discovered on XX/XX/2021 that I could not log into my online Chase business account ; there was a message that my account was locked due to unusual activity. When I called, I learned my Chase Ink Cash card had been closed. I had received no notice they were going to close it. I had over XXXX Ultimate Rewards points, of a cash value of {$1400.00}, in my account, and I was not given notice or an opportunity to redeem these points before closure. The people I talked to on the phone said they could not give me any information about why or when my account was closed. They provided an address. I wrote a letter to Chase Card Services requesting that they reopen my account or allow me to redeem my points, but received no response. My complaint is with the failure to give notice, failure to give an opportunity to redeem my points, and failure to provide an explanation for the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I put in a credit request XXXX XXXX XXXX They pulled 2 reports And TransUnion is XXXX Lower score then the other two. @ XXXX With no derogatory or miss payments on my account. There should not be that much discrepancy in the different reports without something not being calculated or done right.

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 2020-07-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to the credit bureaus on XX/XX/XXXX but I still have not received a response. Due to Covid 19 I expect things to be delayed a little, but it has nearly been 2 months now. The bureaus are supposed to have 30 days to respond to me so they are clearly in the wrong at this point.

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 2018-02-12
Company: Kashia Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This company has called me repeatedly for the past week. I finally called them today saying that I never applied for a loan. They said they had an application for me in my middle name. I told them that no I didn't apply and that is my maiden name and is a fraud application. She said that should could cancel my application but needed to verify my information. What information? I never applied. She asked for the last four of my social security number. How does this company have this when I didn't apply for anything? I need my information deleted from this customer 's database and the harassment to stop!

Company response to consumer: Closed with explanation