BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
With the XXXX breach in the news ( XX/XX/XXXX ), I went to the FTC 's own website for guidance how to freeze my and my wife 's credit reports ( aka " credit freeze '' ), and it listed three companies which one must contact to implement this, XXXX XXXX  and TransUnion, also provided their phone numbers. I called each them and successfully navigated their phone prompts, and implemented credit freezes for both of us. 

But when I called the third company, TransUnion, using the number provided by the FTC 's own website ( namely, XXXX ), I had a very peculiar experience. Instead of being asked to use various voice or keypad prompts to enter my info so as to implement a credit freeze, I was tested to an outrageous series of something 12-15 advertisements. Yes, I had to sit there through one 30 second ad after another after another, again and again. One for XXXX television network, one for a single club, one for trips to XXXX or something, another for insurance, etc. all the while patiently waiting for when the credit freeze part of the call would commence, so I could implement my credit freeze. It never came. 

So I went to TransUnion 's website and tried to implement a credit freeze via its website. It did. It work. 

How come the FTC is advising consumers to use a phone number for commencing credit freezes which is really a vehicle for a series of terrible ads, with absolutely zero about credit freezes? Something is very wrong. Has no one at the FTC checked its own info? The website carries a copyright date of XX/XX/XXXX, which is old and may need updating. Has anyone in an executive position at TransUnion ever tested their own number? What a horrible consumer experience on a critical topic these days. It is really legally irresponsible, and frankly, I think that TransUnion is open to legal liability if consumers are not able to implement credit freezes in light of what happened this week at XXXX. This is important.

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 2022-02-09
Company: Experian Information Solutions Inc.
State: OH
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2018-08-15
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2018 my XXXX XXXX XXXX was totaled. 
My XXXX XXXX policy paid a claim of {$7000.00}. ( claim # XXXX ) Claim manager XXXX XXXX XXXX..ext. XXXX I called Santander today and my " estimated '' pay off is XXXX.. 
What does " estimated '' mean..I owe no late fees, XXXX XXXX  claimed title so I owe no title fees. 
My phone was monitored for quality assurance..so if you have any questions about that..you have a recording. 
On XX/XX/2018 you will receive a payment for {$800.00} paid through my bank. 
I think it is highly possible you owe me $ . 
I expect to receive a statement stating I owe you {$0.00} yes that is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: DC
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:
Equifax - X/X/2017 This is in response to the Equifax data leak which was announced on X/X/2017, which exposed millions of Americans ' sensitive data to hackers. I have placed a 90-day fraud alert on my credit file. Equifax 's delay of several months in notifying its clients and its utterly poor response to this massive leak is troubling to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal original transaction date XX/XX/2022. 

Purchased sporting event tickets using Paypal. Tickets delivered were from a different event than ordered. Seller was unable to resolve the issue and unresponsive. Requested refund through Paypal for the {$230.00} spent. Paypal issued a partial refund on XX/XX/XXXX of {$83.00} and closed the dispute as resolved in my favor. I contacted Paypal on XX/XX/XXXX to dispute the resolution and the Paypal customer service team was not helpful stating I had won my dispute and that there was nothing further they could do. Refunding {$83.00} of a XXXX does not resolve my issue. Paypal support offered no resolution and said that I needed to dispute the charge with my bank. I disputed the charge with XXXX XXXX who maintains it was a authorized charge to Paypal which I authorized and will need to be resolved by Paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in receipt of a letter dated XX/XX/19 from Portfolio Recovery Associates to collect a debt owed to XXXX XXXX. At no time did I received notification from XXXX XXXX that they have hired Portfolio Recovery Associates to collect this debt. The account number for Portfolio Recovery is XXXX. The Fair Debt Act specifically states that a creditor must send a letter to the debtor informing them that they have sent this debt to a collection agency. I never received such a notice from XXXX XXXX. I have had problems with this collection agency picking up old debts that were written off by the creditor. I am asking that this company cease and desist from attempting to collect this debt from me : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive requested from Account Resolution Corporation now three times, in writing, for proof of debt and that they are authorized in state of Missouri. The first time they sent me back an amount written on a piece of paper, the second time they provided me a statement Ive never seen. They have never provided me with documentation I required. Meanwhile I do not recognize the place of business they are collecting on behalf of ( its also less than {$50.00}! )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: AES/PHEAA
State: OH
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:
Hello, I desperately need help dealing with my Fedloan servicer. I used to be with XXXX  and then when I started working for a Non profit hospital I went for the loan forgiveness. So I started working for this hospital on XX/XX/XXXX and I filed a month later for loan forgiveness. I have now been with this company for 4 years. The first year I went to certify and was approved, However theydont want to count that year. Fedloan says they need to investigate my payments with XXXX. I have sent them everything they asked for and XXXX has too. They have been " investigating this for 3 years now and they said there is no time limit. Meanwhile they are no longer going to be my servicer after XXXX of XXXX so I need this fixed. I have spoke to so many people and get the same answers its under investigation. This is wrong I should have more towards this than what they are saying I do. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed my dispute with Sam 's club regarding my ex- boyfriend of 11.5 years using my name on his account without my knowledge. He is re-married and his wife now has a second card with him. I don't even have a Sam 's club membership anymore. I filed the dispute about a week or so ago. I explained to them ( Sam 's club ) the debt is not mine, and that I have not been with that person for over 16 years. The person was not given the rights to continue the use of my name or my identity on the his account. This is considered fraud. I asked them to remove me from his account. To please contact him and demand my name to be removed. They said that the owner of the account is the only one who can remove me from the account. I almost dropped. This is crazy! He has no rights to use my information. They have failed to do this. All they did was give me a payment history and considered it resolved. This is not resolved in any way, shape or form. I'm highly upset and disappointed in the way this was handled. I hope someone can handle it better than they did. I will be talking to a lawyer next.

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 2022-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am listed as an authorized user on 2 XXXX credit cards on my Equifax report that are both in negative standing. I requested to be removed in from the accounts and followed up with a dispute on XX/XX/2020 with XXXX. The accounts were removed from both XXXX and XXXX, but not Equifax. When I disputed the request and provided the documentation, XXXX and Equifax still refused to remove the accounts. Ive disputed these accounts multiple times only to receive the same response every 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2019-07-31
Company: WELLS FARGO & COMPANY
State: IL
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 recently moved ( XX/XX/2019 ). Up to that time I had been making payments to Wells Fargo Dealer Services for my vehicle. I had switched jobs and had a lot of things happening. I went 30 days past due, no contact from Wells Fargo on payment due. They have my phone and email address but failed to contact me. I received a credit alert via credit monitoring and when contacting Wells Fargo I was told that they indeed failed to contact me. I proceeded to pay the entire balance and set up auto payment with them. Every other financial institution will reach out and contact you, Wells Fargo is more interested in destroying credit than customer service because they declined my XXXX dispute to fix this.

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 2022-07-11
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was searching for a cabin to rent in Tennessee for a family vacation from XXXX XXXX XX/XX/2022. I was contacted by private message from XXXX XXXX XXXX stating that he had a cabin that I was looking for. He sent me a link for a XXXX listing, when I asked why the dates I needed were unavailable I was told he had a cancellation. So after talking it over with my family I agreed to rent the cabin. XXXX sent me a rental agreement with the company name of XXXX  XXXX XXXX which I filled out and returned to him. I sent him a deposit in the amount of {$700.00} via zelle on XX/XX/XXXX and then a final payment of {$690.00} on XX/XX/XXXX. I received an invoice for the payments via email. 
On XX/XX/XXXX I tried to contact XXXX to confirm the check in and he was no longer online and would not return my email. So I looked up the listing and contacted the company XXXX and was transferred to XXXX XXXX XXXX I spoke with one of the representatives and asked about my rental and was told that I did not have a rental booked and that XXXX did not work for them they told me that I was scammed but didnt offer to help me find another cabin. 
I immediately contacted my bank and they put in a dispute with zelle and I was told that it was denied and nothing else can be done to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, SANTANDER CONSUMER USA has Violated my rights. 15 U.S.C. 1681, Sec 602A States I have the right to my privacy. 15 U.S.C. 1681 Sec. 604A, Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My long term partner XXXX XXXX, after unsuccessfully trying to collect this debt from his estate this collection company aggressivly came after me. This is not my debt, it was not a debt I was aware of, I do not live in an area that would make me any way legally liable for this debt. After providing the requested XXXX certificate they simply removed his name from the debt and added mine. This is and unfair, unethical and not even legal way to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a mortgage with Green Tree 20 years ago and the amount I owe today is the same. The new name is Ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 TRIED TO CORRECT THE REPORTING OF MY CREDIT FILE BY SENDING COPIES OF MY BIRTH CERTIFICATE, DRIVER LICENSE, UTILITY BILL, MY SOCIAL SECURITY CARD, AND MY RIGHT TO HAVE ACCURACY AND TRUTH TO MY NAME ADDRESS IS STILL BEING VIOLATED I HAVE ENCLOSED A LETTER FROM XXXX AS TO WHAT I SHOULD SEND TO HAVE THIS CORRECTED. 
THIS IS MY CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX PLEASE DO NOT LIST ANY OTHER ADDRESS FOR IT IS NOT DELIVERABLE BY USPS. 
NO PHONE NUMBER LISTED

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with 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 non-monetary relief
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX XXXX show discrepancies between the credit reporting bureaus. XXXX shows 90 day late payments XXXX to XX/XX/XXXX while Experian does not report a 90 late payment until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: GREAT LAKES
State: CA
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:
[Letter # 4] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Under complaint number XXXX this company is willfully violating my rights as a consumer under the truth and lending act Title 15 U.S.C.1611 this issue has now damage my reputation as a consumer because this company is trying to enforce a position in a contract that is void due to the furnishing of deceptive forms under Title 15 U.S.C.1692j. This company has outright lied about being creditors or having any security interest in a contract with me because they have never lended me anything nor were they present at consummation of the contract. This company is committing identity theft and has no regard for the rights of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I enrolled with Florida XXXX XXXX XXXX back in XX/XX/2010. At the time of enrollment I was told that my credits from my prior school would transfer towards my degree. It wasn't until a the end of XX/XX/2010 that I was informed that they wouldn't transfer my credits. I therefor withdrew from the college extremely upset that I was mislead and wasted several months that I assumed was being put towards my degree. I enrolled in a different school. The statue of limitations for how long the accounts can report has long expired. Again this all occurred in 2010 and at no point was payment made. It's now almost 9 years and the four accounts are still reporting. This is clearly a violation of the FCRA.

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have tried to dispute this matter with the credit bureaus and i have not been given a response. I sent in a formal dispute on XXXX to all three credit bureaus. I need these accounts to be investigated because they are misleading and reporting inaccurate information and is violating my consumer privacy rights.

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