BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On or about XXXX XXXX, I begin monitoring my credit scores from TRANSUNION. My scores have continue to drop, with no justification for such a drastic drop. TRANSUNION is the only credit reporting agency that continuing reporting very poor credit scores. 
On XXXX XXXX, XXXX, I received the lowest credit score ever reported. TRANSUNION continues to be non responsive to many disputed letters and even has been non responsive to a complaint submitted to Consumer Finance Protection Bureau. It has been noted that several creditors have reviewed credit scores received from TRANSUINION, resulting in several creditors denying approval on great credit rates. TRANSUNION continues to label me as a high risk or bad risk with no justification. Why is the system allowing TRANSUNION to continue to degrade me, why are creditors continuing to accept what TRANSUNION report as gospel. Why is the Consumer Finance Protection Bureau or the organization that oversees credit reporting agency 's actions allowing them to continue to report very poor /poor credit scores, without justification? The other credit reporting agencies have shown great improvements in my credit scores. 
Having reviewed latest credit reports I found that there is very little differences in what each agency is showing on credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed this creditors reporting previously and experian will not let me dispute it again and i have changed the reasons.This creditor was included in my bankruptcy of XX/XX/XXXX but is using a filing date of XX/XX/XXXX and showing a co in XX/XX/XXXX.This is a violation of federal law and violates my discharge and automatic stay and confirmation rights.Therefore this is an incorrect entry and violates the facta and fcra. A co means they charged it off but they filed for payment in the bankruptcy so can not be a co either way.Filing date and discharge date are reported on this report so how did experian verify this creditors reporting for my dispute and not referance their own report.So their investigation constitutes fraud and this creditor committed fraud because they were served by the bankruptcy court of the correct dates.So i ask the cfpb why and how can these entities continue to break the law without consequnces.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a mortgage and other credit information that is not mine on my credit report. There is a woman that has been using my credit fraudulently for over 17 years. She has several collections that show on my credit report. I would like them removed. She has a couple different names showing.

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 2021-01-19
Company: Cottonwood Financial Ltd.
State: MI
Product: Debt collection
Sub-product: Payday loan 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:
XX/XX/2021 received an email just one with threats will attach threatened me with jail and law enforcement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Based off the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so they have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show there blatant disregard for Federal Law. 
Enclose are all accounts and account numbers. If you need any other information please feel free to contact me.

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 2016-08-30
Company: I.C. System, Inc.
State: CA
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:
Someone used my name to register an account for XXXX ; however, I was NEVER associated with XXXX ever before. I think the person who did this likewise deactivated his or her account, so an account balance accrued. My phone provider is XXXX, and I NEVER transfer to any other carriers since I started using a mobile 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 explanation
Consumer complaint received 2016-05-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Contacted Experian to see what was needed to remove XXXX errors off of my Credit Report. Was told it would all be removed and to wait 30 days and check report again. Waited 30 days and items were still on credit report. The attachment is what I pulled off the county clerk site clearly indicating my parents are the correct party. Not myself. My name is XXXX XXXX XXXX, I am not married. XXXX XXXX and XXXX XXXX XXXX are my parents and who have the liens and judgements

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 2016-02-04
Company: Paypal Holdings, Inc
State: NC
Product: Credit card
Issue: Payoff process

Complaint:
I took out a low interest loan to pay off my credit cards including my pay pal credit account. At the time the paperwork was processed for the loan, I had a balance of {$5200.00}. A check was mailed out on XXXX XXXX pay pal credit for XXXX and posted to my account on XXXX XXXX stating it was received on XXXX XXXX. I was not aware that this balance did n't reflect a credit for return that I did in early XXXX or a payment that I made in early XXXX. Now, I have closed my account and there is a credit balance on my account. I called and emailed Pay Pal credit on XXXX XXXX and requested my refund be mailed. I was told it would take XXXX10 business days. I received an email in response yesterday stating that the refund would not be processed until XXXX/XXXX/16 and from there it would take an additional XXXX10 business days to process. I was not told this on the phone. When I called pay pal credit on XXXX XXXX, I was told that they have to hold my refund in the amount of XXXX until XXXX/XXXX/2016 due to money laundering laws. It is my understanding that these laws apply only to transactions over {$10000.00}. If the laws do not apply to my credit, I request that the refund be processed immediately and received within the XXXX10 business days as originally promised to me. In addition, pay pal credit will not close my account because of the credit balance. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was checking my credit report to make sure another issue was cleared up and I noticed this {$3200.00} judgment was listed on my report. The creditors are listed as XXXX XXXX XXXX and XXXX XXXX XXXX. The judgment was expunged from my record and should not be on my report. I 'm attaching the order of expungement from the court.

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 2021-01-18
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a student loan through AES, they reported late payments in XX/XX/2021 to all three credit bureaus. These late payments should not have been reported, as there was a freeze on interest and late payments reporting based on both Stimulus Packages that were passed by Congress and signed by the President.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We started an online advertising company XX/XX/2015. At the beginning we accepted debit/credit cards and PayPal for clients to purchase our advertising services. In XX/XX/2015 we had an issue with our debit/credit card virtual terminal because some clients were submitted false payments with unauthorized use of stolen cards. We immediately addressed this issue with XXXX XXXX XXXX who was providing the service for the virtual payment terminal, and at the end they decided because there were a few clients who processed fraudulent transactions that they would terminate our use of their payment solution. We understood the circumstances and then found out that they had place our business on a TMF list ( The Terminated Merchant File is shared among processors and acts as a blacklist, where merchants with high risk accounts or excessive chargebacks are put on the list and prevented from opening an account with a different credit card processor. ) Because of this act by XXXX XXXX XXXX for something we had no control over, PayPal continued to allow us to process payments through their processor for the next 2 months and then all of a sudden we receive an alarming email stating they would no longer be able to do business with us as of XX/XX/2015. When we contacted them to ask why they had frozen our account, PayPal stated that our business was put on a blacklist and they would be holding all the funds currently in the account and also went in to our personal accounts and attempted to pull money back. In the course of the time we were using PayPal we did over $ XXXX in sales through them and they reaped the benefit of the fees they charge to transfer payments etc. 
PayPal froze almost $ XXXX of our business funds and ultimately caused us to get behind on Payments to our clients using our services. They should not have frozen our account and held the money because initially when they accepted our business they went through a thorough review and decided to put a reserve of $ XXXX and take a percentage as a reserve on each transaction to cover any possible chargebacks. Instead PayPal chose to freeze everything and we were forced to let our clients know that we could n't pay them which created thousands of disputes. PayPal continues to do this to multiple businesses and personal accounts. PayPal currently has a class action against them for this exact reason ( XXXX v. PayPal Settlement ). PayPal has caused us to practically go out of business due to this and damaged our name and business tremendously. We attempted to work things out with them multiple times when this first happened, but it caused nothing but problems as they were not willing to release funds that were owed to us according to their terms and caused massive disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
i signed up for Venmo last week and made some transactions though folks i know. 
Venmo froze my account last Thursday and has not provided me any information. They stole XXXX of my money and refuse to provide reasons why. The company does not have a customer phone number. i have no way to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XX/XX/2015. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than XXXX, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of XXXX forms of identification, in order to have these disputed items removed.

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 2016-12-21
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started the refinance process with my current lender back in XXXX 2016. After submitting all of the requested information in a timely manner, they informed me that too much had passed and that I needed to start the whole refinance process over again. 

I resubmitted all of my information once again and after repeated attempts to check the status of my refi, I was finally informed that the person I had emailed all of my information to " was on leave '', then later " got into a car wreck '', so I once again, had to submit all of the same information I had submitted months ago. 
Recently, they 've begun requesting further information beyond their original requests, have led me on by saying my loan is " approved with conditions '' they keep changing and meanwhile, interest rates have risen and they continue to ask me for documentation I 've already submitted. Again and again. no financial institution should be allowed to waste a customer 's time in this manner presenting false hopes of reducing their mortgage payments.

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 2015-10-15
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this with Experian twice now, the account that is on my credit report was my father 's account and I was only an authorized signer. My dad filed bankruptcy and that account was signed off in that bankruptcy. There is no proof that I was anything but an authorized signer on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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 previously disputed with this company for multiple accounts, XXXX XXXX XXXX collection and XXXX  These accounts does not belong to me and should not be reported. I submitted a letter to the creditors and credit bureaus with no success. 

These companies has failed to provide proof of identity, they are reporting inaccurate information such as open dates, balances, terms and things which I never owed. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 previously disputed with this company for multiple accounts, XXXX XXXX XXXX collection and XXXX  These accounts does not belong to me and should not be reported. I submitted a letter to the creditors and credit bureaus with no success. 

These companies has failed to provide proof of identity, they are reporting inaccurate information such as open dates, balances, terms and things which I never owed. Please remove

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 2016-08-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Complaint against Experian. On XXXX XXXX, 2016, I ordered a one-time report for {$4.00}, which was charged to my credit card. I recently became aware that they have been charging me {$19.00} ( recently increased to {$24.00} ) monthly. I did not request, approve or authorize these charges. I feel this company is illegally charging customers for this monthly service after they have the customer 's credit card information. I received no benefit from this service and did n't even know I had it. I only became aware after going line-by-line reviewing credit card statements. I called Experian and cancelled ; therefore, it is not cancelled. I am ; however, left with the feeling I have been robbed. And I have been robbed. I am certain I did not check any boxes or do anything to make them think I wanted or approved this service. That same day in exactly the same manner, I ordered a one-time report from XXXX. XXXX only charged me once for the XXXX 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 monetary relief
Consumer complaint received 2016-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am a veteran, I have recently moved to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

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 2016-07-03
Company: ALLY FINANCIAL INC.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have ally bank checking and savings account. I wanted to transfer $ XXXX from my ally bank account to my spouse 's ally bank account. But finding it very difficult to deal with this bank ( ally ). 
1 ) They have setup limits for XXXX transfer which is $ XXXX for 30 days. 
2 ) they have some very useless excuses " why do n't both of you open a joint account '' rather than fixing this issue. 
3 ) Ally is not ready to increase the 30 days limit to more than $ XXXX even when i am ready to take all the risks/accountability 4 ) They use a bad excuse that XXXX is from 3rd party so they dont have any control. 
I am really impacted due to the limitations by this online bank. Have they been concrete or mortar bank..i could have walked-in and did it on my own.

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 2016-03-01
Company: Paypal Holdings, Inc
State: VA
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 received a letter from XXXX XXXX , XXXX claiming that they were collecting on behalf of Pay Pal , Inc. for an alleged debt of {$300.00}, but were willing to settle for {$100.00}. Concerned about identity theft I checked my Pay Pal account to confirm what I suspected, no charges to my account with a {$0.00} balance. This appears to be a scam purporting debt on unsuspecting victims.

Company response to consumer: Closed with non-monetary relief