BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: Experian Information Solutions 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN SEVERAL XXXX LOAN ACCOUNTS IN MY NAME US DEPARTMENT OF EDUCAIONXXXX # 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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
just got a copy of my credit report and i noticed the referenced accounts below that i did not apply for and did not use them. i need these accounts investigated and removed from my file. 

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 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 2022-12-08
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, my employer deposited {$290.00} into my PayPal account. That same day, I transferred the money to my credit union checking account through the PayPal app. On XX/XX/XXXX, the funds were shown as having been deposited into checking ( ACH trace # XXXX ). However, on XX/XX/XXXX, PayPal reversed the transaction without authorization, and removed the full {$290.00}. ACH trace # XXXX I contacted PayPal and opened a dispute. They initially denied my claim but cited the incorrect transaction date ( XX/XX/XXXX ). Further, when I was able to speak with a representative, they indicated they could not find any XX/XX/XXXX transaction. In effect, they do not know why my money was withdrawn or where the money was sent/received. 

I would appreciate any assistance your agency is able to provide. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a XXXX XXXX customer, and they have not updated my balance with the credit bureaus XX/XX/2023. I have spoken with customer service and sent emails to customer service, and they have not fixed the issue. I opened disputes with all three credit bureaus with no resolution. XXXX contacted XXXX XXXX after I opened the dispute in XXXX of XXXX, and whomever they spoke with falsely stated that the balance that was last reported is correct and up to date. This has consistently kept my credit usage at 99 %, when the card has consistently had less than 99 % usage since XX/XX/2023.

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 2023-11-01
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have been trying to contact the company to try to rearrange the payment plan. The website is not allowing me to log in and when I try to call the listed number, it acts like someone picks up but no one will answer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 called TRANSUNION XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave TRANSUNION permission to take my information. 

TRANSUNION have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. TRANSUNION has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support TRANSUNION claims on my credit file. 

Furthermore TRANSUNION has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which TRANSUNION is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

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 2022-07-31
Company: Experian Information Solutions Inc.
State: DE
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 XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Numerous accounts are inaccurate on my credit report that is not mine. There is XXXXXXXX XXXX XXXX and 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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have sent out multiple correspondence to the credit bureaus asking the credit reporting agencies to verify these accounts but they have not provided proof of verification. I have been sending in request for verification for these accounts since XX/XX/2023. I am hoping the CFPB can assist me with these issues on the following accounts. 

The accounts that are on my report that I am requesting formal proof of verification is XXXX XXXX NUMBER : 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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to Transunion to reinvestigate these accounts on XX/XX/2023 tracking USPS XXXX XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX  XXXX XXXX 
Account : XXXX Account Name : XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Transunion - Investigation was completed on XX/XX/2023. File XXXX XXXXXXXX However, they stated all accounts was 100 % complete and accurate. 

But how is that possible if there is still incorrect, inaccurate reporting date of last activity, open date, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that arent reporting correctly. If all information is not 100 % correct and accurate -- accounts must be deleted per consumer law. 


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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years. 

15 U.S.C. 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have more evidence to prove my case Furthermore, they didnt even record the current status of the disputed information which is another violation.

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 2022-09-27
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and Regional Acceptance, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: SECURITY FINANCE CORP
State: OH
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:
Reporting wrong info on credit report Unverifiable information, unable to provide proof of ownership for the account.

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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am a victim of identity theft. XXXX XXXX XXXX Have fraudulent accounts on my credit profile that need to be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX around XXXX EST I noticed a XXXX transaction I had submitted earlier in the day had been rejected. I called the toll-free number and was on hold for XXXX minutes before being asked to verify my name, XXXX, debit card number and other personal information. I was told that I would need to go through an automated verification process where I would need to provide my PIN number, the expiration date of my debit card and the XXXX digit numer on the back of the card. Despite entering the required information, it was rejected. I was instructed to call back again. I called back a second time and spoke to another XXXX. This XXXX, put me through the same automated process and I was able to access my account. On this occasion I was also asked why I was sending a relative this money. I was told this bank wanted to make sure I was not being scammed. I was also told that the money once sent could not be refunded. After being asked this question and the reason why my account was flagged ( the transaction was suspicious because I had not sent this large amount before ) I began to suspect this had something to do with my being a senior citizen. The algorithm used to determine fraudulent activity looked at amount and age of the sender. At any rate, the block on my account was lifted and I was instructed to wait XXXX minutes before sending the money. I waited XXXX minutes and the transaction was rejected again. On my third call, despite entering the requested information through the automated process correctly, I was not able to lift the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls. I have advised them I am on do not call list. I do not have an account with this company. Midland Credit Management call on XX/XX/22 from XXXX no name identification on caller ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, My situation is as follows : On   XXXX    , I checked my savings account to find that the balance was {$0.00}, and that all the money had been withdrawn. Upon calling the bank, I was told that my account was closed for too many transfers between my savings and checking account. I was told that  3  letters had been sent to me warning me that this would happen. I never received those letters. I was also told that a check would be sent to me by  XXXX  in the amount of {$4600.00}, which was the amount in the account. I told the agent that I could not wait that long because I need to use money in that account and I 'd prefer that a stop payment be put on the check, and to have the money transferred into my checking account or I 'd like to be able to be given the money at a local branch. I was told that that could n't happen. At that point I asked to speak to a supervisor. A supervisor eventually got on the line and said that what I was requesting could n't be done by customer service and that I should be able to get help at a local branch. On  X/14,  I went into a local branch and was told that they could n't put a stop payment on that check because they did n't even have a check number, and that I would probably receive the check by  XXXX .  XXXX  and  XXXX  passed and I did n't receive anything so I called customer service again on  XXXX . I spoke to an agent who said that I should receive the check by   XXXX   and the the other methods I was requesting could n't be done. I requested to speak to a supervisor. The supervisor and I spoke for a while and she said that she would put in a request for the stop payment and for the money to be transferred to my checking account. She said that I should receive the money in my checking account by Monday which was  X/24.   XXXX  passed and I did n't receive anything and I waited to see if the check would come on  XXXX . It did n't come. I called customer service again and asked to speak to a supervisor. A supervisor eventually came on the line and told me that the request for the stop payment and fund transfer to my checking account was denied by the back office. She said that she was going to put in another request further explaining the situation and that she would call me back in  24-48 hrs . At this point, I have no confidence in this being resolved by me speaking to customer service. If submitting this complaint will help me get my issue resolved, I 'd greatly appreciate it.

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 monetary relief
Consumer complaint received 2021-08-03
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We just did our second refi with Loan Depot. The first time we dealt with them, we were told by their agent that they very rarely sold their loans. At the time XXXX XXXX XXXX held our mortgage. We went ahead and did the refi with Loan Depot and shortly thereafter our loan was sold to ... XXXX XXXX XXXX. We complained about it but were told that nothing could be done. 
When we wanted a lower interest rate this year, we went back to Loan Depot since they were offering some perks because we had done business with them before. We were told again that the company rarely sold their loans. We did the refi and last week we were notified that our loan was sold again to ... XXXX XXXX XXXX XXXX 

I tried to get on the phone with Loan Depot corporate. I talked to two people and all they could do was transfer me to someone else who couldn't help. When I put the information into the main number, I was disconnected because our loan has already been transferred. 

XXXX XXXX XXXX has terrible customer service and we really didn't want them to service our loan again. Knowing full well how we felt about this company, I feel that Loan Depot transferring us back to them is an act of retailiation. Companies should want customers to be happy and not miserable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Block, 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:
CashApp is allowing a company called XXXX XXXX XXXX to empty its user accounts and doing nothing about it. Upon researching who this company was after my card was charged over 15 times until it was emptied, I learned that this has happened to hundreds of CashApp customers and we have all been given the same response. Its not out of the question to assume that CashApp would be stealing from its own customers considering the fact that they refuse to help anyone this has happened to. You can read more stories here : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: SYNCHRONY FINANCIAL
State: AZ
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:
According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open consumer credit plan as late for any purpose

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 2022-12-08
Company: ENCORE CAPITAL GROUP INC.
State: MI
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 the accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for purpose

Company response to consumer: Closed with explanation