BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: EQUIFAX, 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:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
1. XXXX ( XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 3. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) 4. XXXX XXXX ( XXXX XXXX XXXX ) 5. XXXX XXXX ( XXXX XXXX XXXX ) 6. XXXX XXXX ( XXXX XXXX XXXX ) 7. XXXX XXXX ( XXXX XXXX XXXX ) 8. XXXX ( XXXX XXXX XXXX ) 9. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 10. XXXX XXXX ( XXXX XXXX XXXX ) 11. XXXX XXXX ( XXXX XXXX XXXX ) 12. XXXX XXXX ( XXXX XXXX XXXX ) 13. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 14. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 15. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 16. XXXX XXXX ( XXXX XXXX XXXX ) 17. XXXX XXXX ( XXXX XXXX XXXX ) 18. XXXX XXXX ( XXXX XXXX XXXX ) 19. XXXX XXXX ( XXXX XXXX XXXX ) 20. XXXX XXXX ( XXXX XXXX XXXX ) 21. XXXX ( XXXX XXXX XXXX ) 22. XXXX ( XXXX XXXX XXXX ) 23. XXXX XXXX ( XXXX XXXX XXXX 24. XXXX XXXX ( XXXX XXXX XXXX ) 25. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 26. XXXX XXXX ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Klarna AB
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, i utilized a virtual in-store card at XXXX. The virtual card was used for a purchase of pendant necklace in the amount of XXXX. The XXXX store is located in XXXX, TN ( XXXX XXXX ). 

I returned the item on XX/XX/2021, same store. I spoke with the department manager that printed a new receipt showing the return of the item. And a purchase item return receipt. 

Ive contacted Klarna sent all relevant documents. To no avail, no results from Klarna. Ive receive emails from Klarna investigation team requesting those documents, I sent documents to them on several occasions, but they continue to close investigations alleging that I never sent documents. Also they continue to attempt collecting money for an item I returned already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2021-08-25
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB : You may not believe. Im back again, some of same issues with the horrific, irresponsible PHH Mortgage, and Ocwen Loan Servicing company. Please see prior XXXX complaint XX/XX/2018. They stopped their irresponsible behavior for a few months and drifted right back to sending me info and packages to MY home address with ex spouse name attached to mine. The worst case scenario keeps happening with these folks and now I receive and reimbursement check from my escrow account with you guessed it, both My name and XXXX 's name. The insurance policy and taxes are completely in my name and no surprise, because it takes a bit of effort to set things right in my file noting I am the only party to any monetary transactions these should only be in my name and my name only. Seems simple enough right? Now I am stuck with a check I can not cash, copy attached and the really scary thought is if this would have been a major payout Id be stuck like XXXX!! My bank ask me to go find my ex wife or have her come to the bank with proper identify and consider adding her to my account. Can you believe? Well, Ive called and called PHH Mortgage and I get some supposedly relationship manager after a slew of customer service reps in and out sourced and am getting no where. I am uploading files to support this. 
Thanks you in advance for your attention and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was involved in an online trade scam and with multiple transactions I gave him over {$5000.00}. I contacted the bank to stop all those transactions but it was through XXXX and they are not able to stop it. Im trying my hardest to figure out who can help me investigate the scam artist as I do have some information and I did meet him so I know his face. Theres anyway that you can help me or help the situation be better please let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out ... 


-XXXX XXXXXXXX -XXXX XXXXXXXX XXXX  XXXX -XXXX XXXX XXXXXXXX -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 explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There are misspelled names, incorrect address, wrong DOBs and work places on my credit reports that i would like removed please and thank you..

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: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi my Name is XXXX XXXX Old National Merged with First Midwest Bank today I when to the Bank because they never sent my Debt Card out also there an illegal transaction on my account. when I arrived at the bank the wait was 2 hours at my old First Midwest on XXXX and XXXX  who did not have access to my bank account so the nice lady issued my a debt card but she could not set the pin she did not access to this function, so she informed to us my debt card has a credit card I could not do this has well even the card said unauthorized user I tried their phone line has a busy signal I just called while I'm typing this complaint still a busy signal. I have not access to my account or my money I had to miss my VA ( Veterans Administration ) Appointment because I could not buy gas for my car because of this thing I needed for today I repeat I do not have access to my account or money my bank can not access my account ether

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: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
United Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The initian amout was {$600.00} and it was established on XXXX I ( BALANCE 0F {$100.00} ). XXXX I made payments to them but never received any stamens, I taught I was done paying them. I never received a statemt nor a phone call for years in XX/XX/XXXX they placed a collection into my report after i purchased a house. I reached out the company. Before I made the payment, I requested that they remove the item from my credit report which the person I made the payment to agreed to have it removed. After the payment was made, they did not remove the item from my report. I called, i disputed the item and explained the matter to whoever i came into contact with, Still nothing happened. The item is effecting my credit score and that is hendering me from getting the proper rates when I apply for loan. And that is a form racism that keeps people like me receiving higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social  security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if  it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
XXXX is reporting that CBNA has submit a hard inquiry. I reached out to CBNA on XX/XX/XXXX from XXXX to their number XXXX. The representative i spoke with advised me that per my social security number I have nothing with them. I explained that they claim I submit something with them that lead to in inquiry. I was advised since I have nothing open they cant help. I called XXXX ( XXXX ) back on XX/XX/XXXX from XXXX and explained what CBNA stated. I asked can you please provide me what they " confirmed '' and they said no I need to ask CBNA for it. I do admit I refinanced XXXX  months ago and if its related to that it would be true but very late.

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 2019-01-08
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient misapplied my loan payment. Within 120 days of distribution, all payments will automatically be applied to the principal. However, after 120 days, payments will first be made towards the interest, and then the principal -- or so the company states. I recently made a payment of {$500.00} on XX/XX/XXXX ( post 120 days of distribution ). It was misapplied to only the principal balance. I had to call Navient in order to get them to correctly apply the payment. This is a huge waste of time. Moreover, this is not the first time they have done this ( to me or others ) ; it is no wonder litigation is pending against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/2021, I sold an item on XXXX. I am not a dealer and it was a one-time event. My sister who llved near the buyer handed him the item and he paid me {$80.00} via PayPal. The money showed up in my account right away. When I clicked on the link to accept the funds, I was given 3 options : 1 ) Transfer it to your bank. 2 ) Keep it in Paypal, which involves setting up a PayPal balance account and 3 ) " Get a check by mail instead. '' Not wanting to give PayPal my bank info or set up a balance account, I chose option 3, the check. That gave me 2 more options -- to get it in minutes for a 1.5 % fee or in 1-3 days for no fee. I chose the latter. But when I clicked on that, I was asked to link to a bank account.

Again, I do not want to give PayPal my banking info. They already have my credit card. So
I was stuck with no way to
claim my {$80.00}. I called PayPal in XXXX but the customer service person was unable to help me get a check mailed to me. I called Paypal again today and got the same response. It is not right that PayPal has been holding my money hostage for more than 4 months and there is apparently no way for me to access it without allowing them access to my bank account or setting up a balance account with accompanying fees. I feel robbed. Please help. They should not be allowed to get away with this. 
I have attached screenshots from my PayPal account, some of which I captured in XXXX but I checked and they appear exactly the same today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company has continuously inquired on my credit. The company is unable to provide proof of identity, or contract that allowed their company to pull my credit. Please remove this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Several times this company has called me on attempts to collect a debt that I have never heard of. I asked them to please send proof that it is me who requested the loan. They will not send proof and keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Strategic Alliances, Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had couple collection companies calling me about the debt to the original creditor XXXX XXXX for the amount of {$550.00} and then last person that call me said that I owe around {$900.00}. 
I personally call XXXX XXXX and they told me that I had pay that debt, also I have a letter confirming that I make that payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On or around XX/XX/XXXX, I received a Vanilla Visa prepaid debit card as a gift. When I attempted to use the card to make a purchase on XX/XX/XXXX, it was declined by the merchant. This was the first and only time I tried to use this card. When I returned home from college for the summer, I looked into why the card did not work when I tried to use it and found the balance was XXXX. The reason for this was because there was a purchase made on XX/XX/XXXX, in the amount of {$100.00} from a XXXX user. I did not recognize this purchase nor did I authorize the purchase so I contacted XXXX and Vanilla Visa Gift Cards on XX/XX/XXXX. The representative I spoke with from Vanilla Visa Gift Cards emailed me a dispute form which I completed and returned via email the same day. The resolution I had indicated on the dispute form was a refund check. However, on XX/XX/XXXX, I received a replacement card in the mail instead of a check. I called Vanilla Visa Gift Cards on XX/XX/XXXX, and spoke with XXXX who said a check would be sent in 7-10 business days and provided me with case number XXXX. I still have not received a refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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: Experian Information Solutions Inc.
State: SC
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:
There are misspelled names, incorrect address, wrong DOBs and work places on my credit reports that i would like removed please and thank you..

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: Experian Information Solutions Inc.
State: NY
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 a list of items that is not correct on all three credit reports! I have listed all the details below. 
XXXX ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$53000.00} Balance owed {$62000.00} XXXX ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$9500.00} Balance {$9000.00} XXXX ) XXXX XXXX XXXX Account # XXXX ... ... XXXX Opened XX/XX/XXXX Starting balance {$1700.00} Balance {$1700.00} XXXX ) XXXX XXXX Account # XXXX ... XXXX Opened XX/XX/XXXX $ Starting balance XXXX Ending Balance {$1000.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$550.00} Ending Balance {$570.00} XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Starting balance {$15000.00} Balance {$140.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$6500.00} Ending balance {$61.00} XXXX ) XXXX Account # XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) TXXXX XXXX Account # unknown Amount unknown

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 2017-09-09
Company: EQUIFAX, INC.
State: CA
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 was hacked on XXXX XXXX, 2017 due to not having proper security on their website which has the personal info of millions of people. Apart from that, they set up a website in order to check if your information was compromised and have the nerve to tell you to sign up for their premium services. Such services will disqualify you from seeking any type of compensation for this colossal mistake on their part. They mishandled sensitive information and now want customers to sign up for an extra service, even if the first year is free, it 's insulting.

Company response to consumer: Closed with explanation