BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am requesting with this notice that the following account be DELETED from my credit report. XXXX CREDIT CARD ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Transunion if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX XXXX XXXX XXXX XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
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 2015-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I phoned Transunion 's help number, ( XXXX ), to request they temporarily lift my credit freeze. The man who responded had an XXXX accent. ( I understand Transition relies heavily on XXXX subcontractors. ) The man clearly understood what I wanted. He then asked me for all my vital credit information ; name, address, phone number, social security number, etc. After he got all my personal information, he said, " I will give you the phone number you will need to call to help you. '' I said, " since you admit you understood I only wanted to temporarily unfreeze my credit information, WHY DID YOU NEED ALL MY PERSONAL INFORMATION! He said, " it 's just policy. " I believe this Transunion employee wanted my personal information for some personal nefarious reason. He now has all my personal information to perpetuate credit fraud on me. This is likely very prevalent with Transunion and their subcontractors overseas.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I moved a year ago and obtained a new XXXX and XXXX mortgage. Trans Union is still reporting my old address and has n't reported my new mortgages. These items are affecting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Money was in Venmo and a funds transfer was initiated XX/XX/2022. Estimated completion time was given as XX/XX/2022. The money is still pending as of XX/XX/2022. A ticket was submitted through Venmo, however no contact has been made and no other options are available. The chat bot does not have a resolution feature fit for this type of situation it seems. 
I understand funds can be delayed, however shouldnt they have to give a reason why or try to work with their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Finance System of Richmond, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken XXXX federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: T.S. Holdings
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: Information belongs to someone else

Complaint:
I have been a victim of Identity theft and I notified XXXX and XXXX XXXX XXXX to dispute a fraudulent eviction account in the amount of {$6100.00} which has been inaccurately reported since XXXX of XX/XX/2019. The fraudulently account continues to be inaccurate reported on my credit file even after I have provided documentation from the FTC, IRS and police showing that my identity was stole by XXXX XXXX XXXX. I have filed numerous disputes to no avail. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I charged   XXXX   XXXX   (  XXXX  )  XXXX  on my BofA credit card on  XXXX   XXXX ,   XXXX   in  XXXX ,  XXXX . The merchant (  XXXX   XXXX   XXXX   )  offered me an option to pay the  XXXX  amount in  XXXX  which I declined -- the amount the merchant wanted was {$180.00}. I preferred paying in  XXXX  as the credit card compnay ( or  XXXX   )  would convert at a better rate. I did that for all my other charges on that trip and had no problems.     Later on it seem the merchant fraudulently changed the " decline paying in  XXXX  '' and charged me in  XXXX  instead. I could easily prove that if  BofA would get a copy of the original signed receipt. BofA  refuses to provide me a copy of the signed sales slip that shows I did not authorize a charge in  XXXX . This happened with many merchants in  XXXX  and I always declined paying in  XXXX  and had no problems on my trip -- -only this merchant fraudulently changed the option after my signature.     Today I have to pay  XXXX   XXXX  or BofA says they will spoil my  credit score  ... but they will not provide me a copy showing I authorized  XXXX   XXXX  ( which I did not! ) ... instead they claim this is foreign exchange issue -- which it is not!     The matter could easily be solved if BofA showed me a copy of the signed credit card slip -- - they will not because they know I did not authorize it. I called everyday for a month and they refused to provide a copy of the credit card signed transaction slip.

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 2022-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter on XX/XX/2022 from an attorney 's office that I am being sued by Portfolio Recovery Associates on XX/XX/2022. I have not received any notice that they are pursuing legal action, nor have I been served. I have never gotten a straight answer about where this debt came from or where they bought it from. I will not pay a company that profits on fear and intimidation tactics. There is no reason that I should have to pay a company that can't provide me with details of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I consolidated my student loans in XXXX XXXX. I have been in good standingwith the XXXX XXXX borrowers ( XXXX ) since XXXX XXXX. This acct waspreviously being reported in error as a collection/chargeoff up until recently ( approx. 6 mos ago ). after disputing this information ; consistently since XXXX and going thru great length and providing detailed documentation from thenational student database, this account was changed from collection/chargeoff to paid to paid/closed ( again approx. 6 mos ago ). I disputed the dates a few weeksago ( it reports open in XXXX & XXXX ). I challenged the timeframe ( 10 years ) toremain on my credit report and I received only a few days after the disputeresults from Experian not only not honoring the dispute/or removing them basedon the dates exceeding 10 years but the report was updated to CHARGE OFFAS OF XXXX XXXX THUS LOWERING MY CREDIT SCORE BY XXXX PTS. 
ONCE AGAIN, THIS ACCOUNT WAS DEEMED PAID/CLOSED AS ARESULT OF A EARLIER DISPUTE AND HAS BEEN CLOSED XXXX XXXX. 
Theres no activity/updates to this closed account!!!! THIS ACCOUNT IS NOTA CHARGED OFF ACCOUNT. ITS BEEN CLOSED SINCE XXXX!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Navient Solutions, LLC.
State: MA
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:
Today I called navient my loan serviSer. I want to take advantage of the care act and get some of the money i pay to navient during the pandemic. They told me that my federal student loan are not covered under the care act because they own my loan. I asked them how is possible because I never received any notice telling them that my federal student loan was sold to navient. I only know that they are just the servicer of my loan. They told that now I am not even qualified for the student loan forgiveness. I am very confused now. They told me the only to get my loan under the federal government is to consolidate them. I know for a fact my federal student loans were consolidated when navient was sally Mae. I really dont know what is going on here. I have always my federal loan on time how come now I cant take advantage of the care act law now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Unable to access my credit report with experian ... ..I used report # XXXX dated XXXX XXXX 2016. I have been trying to access my report online and by phone but unable to access my report. I have also requested an updated report as I have items I have in dispute. I called the customer service number as well and am unable to speak to a live customer service rep.

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 2016-12-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed my collections accounts with XXXX and Experian. They have not properly verified these accounts according to law. The accounts are collections accounts from creditors that I have no knowledge of. And the medical collections are HIPPA vilations for I did not sign for a third party to retrieve any information from me. On the receivable recovery they had a different doctor on the reoprt and switched to another doctor. I had never seen these doctors. I feel violated to see how easily my personal and medical information can be sold at a dime. I have also disputed inquiries that do not belong to me and verified my identity just to have a fraud alert placed on my account and say, call the person who placed the inquiry. When I call for the inquiry to be removed then the creditor say call the credit bureau. I get the run around everytime. I get alot of misleading information. When I ask for a supervisor, they can never come to the phone.

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 2016-12-20
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
Reloadit blocked my safe ( a safe is what they call where $ is stored that you have transfered online from your cash purchased card ) for a random security measure check. 
I have to send a picture identification and the receipt for the card via email ( or FAX ) to them to release my safe. 
I would n't have known my account was blocked until I tried to use it. They do n't even notify you so you can have a chance to clear it up before you need to use it. They said they do n't call out and they never asked for my phone # when I was signing up anyway. They had my email but did n't notify me that way either. 
I did n't save the receipt for the card I bought ( cash ) at XXXX and XXXX has no way to retrieve a receipt without the date, time and what lane I purchased it in!! Who remembers those details?? 
So the {$380.00} worth of reloadit cards I purchased today and have n't loaded into my safe are unusable ( and un returnable to XXXX for refund in any case ) until I send in my photo identification and receipt from XXXX, which is impossible to get.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A place called Convergent is constantly calling me on my work phone. They have been told before not to call my work. I will file a complaint with the FDCPA if the calls do n't stop. I also want verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is not a dispute of fraud, please DO not classify it as such. 

Experian is making changes to my record, with no substantiation for these changes. 

For this complaint, I assert that Experian is adding a " personal statement '' on my behalf, and without merit, and as a Fraud Statement. 

1. Experian - please provide your rational for adding the following statement to my report, because adding it without reasoning/documentation and on my behalf, is wholly inaccurate. 

2. After you have provided the reasoning for adding this details, delete this unsupported text. 

3. A screen shot of such verbiage, and from Experian 's website is attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I found XXXX issues on my credit report from Experian today, XX/XX/2016. I tried several times to submit disputes using their website but it timed out or just crashed each time I got the information logged. Finally the site stopped letting me attempt to log the disputes entirely. I called the number they directed me to XXXX.EXPERIAN and got some company who wanted to sell me credit monitoring services. I just want to get the items on my report fixed, thanks for your help.

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 2015-06-17
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Charged me for a month of service that I did n't use. Tried to say that it was in my contract but it was n't, I still have copy of my contract. Told them this, read them my contract and they agreed. Told them to send me correct bill they said they would but did n't and sent to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for request for payment assistance from Wells Fargo Home Mortgage and was denied due to a processor, XXXX ( XXXX ), refusal to enter our financial information into the system so that it could be reviewed by an underwriter. XXXX stated that a colleague had reviewed the information and determined that we would not be eligible for any type of repayment assistance or any assistance at all to keep our home. I asked him on several occasions to please put our information into the system, and he refused. XXXX also stated that Wells Fargo would not be sending me any written correspondence stating that we were denied for any type of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Skopos Financial, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
I applied for a vehicle Title loan on XX/XX/2022. I uploaded all the documents requested from the company the same day. 2 weeks went by and I didnt hear anything. Once you submit all the documents they state after the upload, they will be in contact within 24 hours. I never heard anything, so I called the company and spoke to a customer service representative named XXXX. XXXX stated I need to upload a new picture of my state ID. So I did and never heard back within 24 hours as stated on their site I would. After you upload all your documents it says we have everything we need we will be in contact within 24 hours. This is false advertisement. 

So I called back on XX/XX/XXXX and talked to customer service representative named XXXX. Great guy but he was covering his tracks. He stated my loan application has expired and they expire within 30 days. I never received an email or phone call by XXXX XXXX during these 28 days. They canceled my application early with no warning. XXXX wants me to reapply because they canceled my application early. Thats another hard inquiry on my credit report that will take 2 years to fall off. They are misleading consumers. 

Since they canceled my application 2 days early without notice or follow up. XXXX tells me that they cant except my vehicle because they think its used for commercial purposes. I dont have commercial insurance on the vehicle nor is it listed as commercial on the registration and insurance. They made this a go to excuse because they made an error by not keeping in touch with me and canceling my application prematurely. XXXX stated that they might change this policy and just to wait 30 days before reapplying. They should put this into a disclaimer before they run a consumers credit report. Stating a list of vehicles that they think are commercial vehicles. XXXX the first customer service representative I spoke with said it was fine. 

This company is trying to cover there mistakes by not following up with customers and misleading consumers applying for title loans on vehicles that theyre stating are commercial vehicles. These companys shouldnt lie to consumers like this. Just deny the loan application and move on. They still have all my personal information at their finger tips. All the documents I sent including drivers license, banking statements etc. They made the mistake and XXXX wants me to take another credit hit on my behalf because of their mistakes. Im considering legal action against XXXX XXXX. Dont use this company for your Title loan.

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