BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
attempting to collect unknown debt, reporting false information on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020, I used PayPal to receive a direct deposit for my XXXX XXXX, of {$4800.00}. 
My account was permanently limited by PayPal with no explanation apart from telling me, can get my funds after 180 days. 
It has now almost XXXX years, have called PayPal several times to release my funds to no avail. 

At XXXX point they told me that they have released my funds and can go right ahead and withdraw. I quickly logged in and tried. each time I click transfer funds i got messaged 'there is nothing to transfer ' despite my XXXX been available. 

I called PayPal several times again until XXXX of the customer support said there is nothing I can do as funds are locked. 
PayPal want to get my funds. help me get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone tried to apply for a credit card using my name as fraud. I never tried applying and I want this investigated. Credit is frozen so application was denied. I want this investigated to find out who is trying to fraudulently apply l.

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 2022-06-08
Company: Credit and Receivables Services Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently filed a complaint on CFPB due to the refusal of multiple letters to verify the debt. 
The case was closed and debt was supposed to be removed from my credit report in which one was and the other is still showing up. The account number is XXXX for the amount of {$31.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened Citi Accelerate saving account on XXXX XXXX full funded by a 2 transactions of XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX total is XXXX. 
by XX/XX/XXXX i noticed that i can't login to my citi bank, almost after over 14 hours in 2-3 days calls i was finally able to resolve login issues as i found a fraud has happened to my account and a transactions has been charged to my saving account from an ATM while i didn't even received the card yet! 
transactions as below : Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ Cash withdrawal ATM XXXX $ total of {$1200.00} dealing with Citi support was a nightmare opened multiple cases they keep denying its a fraud and they don't even provide any evidence! 

case # XXXX Case # XXXX i believe ATM 's have cameras on it and as an owner of the money why i need to pull it this way! 
its clearly fraud please 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 2022-07-03
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 actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with Equifax and XXXX. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years.

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in XXXX this has ever happened to me and I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion took my score down XXXX points on XX/XX/2022 because a company did a name change. I pay on time i have no control over someone elses name change... they said it was computer generated. Nothing they can do. I work hard to keep my score up. This is not fair

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have sent certified mail on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX to XXXX and Transunion to request a copy of verifiable proof of an original consumer contract with my signature that they have on my credit file for the XXXX XXXX XXXX - XXXX report by XXXX. And XXXX XXXX XXXX ( XXXX ) reported by Transunion. This is information has not been provided to me and remains on my credit file/report. Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the agencies are violating my rights. In ordinance, with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. XXXX has confirmed this information was not verified and since has removed from my credit report. I am requesting Transunion and XXXX to do the same. 

I have requested my consumer disclosure via certified mail on XX/XX/XXXX from Transunion and XXXX and have not been provided this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: WI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I made complaint twice on this account and it was deleted off my XXXX. This originally deleted off all three credit bureaus from previous collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX  XX/XX/2020, XXXX XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Sequium Asset Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We terminated our service with XXXX and anticipated a final itemized bill. XXXX never provided an itemized bill, only a total amount that we owed. I spent countless hours on the phone with XXXX in an attempt to get them to provide us with an itemized final bill. They refused and threatened to turn us over to collections. 

On XX/XX/XXXX I was contacted via telephone by a representative of Sequium Asset Solutions , LLC ( A debt collection company owned by XXXX ). Her name was XXXX XXXX and that phone call took place at approximately XXXX XXXX XXXX I politely informed XXXX that I was aware of my rights under the Fair Debt collection Practices Act. I then requested that any and all future communications take place in the form of letter mail exclusively. 

Shortly thereafter, we received an official letter from Sequium Asset Solutions , LLC informing us that they were now responsible for collecting the debt. In response to this letter I crafted a letter requesting debt validation and mailed it promptly. 

In our letter we requested all the pertinent information needed for us to adequately determine whether the debt they said we owed is valid. We informed them that If their offices fail to respond to this validation request within 30 days from the date of receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

We never received a response to this letter. 

XXXX XX/XX/XXXX - XXXX sent a pair of Senior Business Account Executives to our business to try to discuss this debt with us. I politely informed them that their method of contacting us could be a violation of federal law and that any and all communication should be done via letter mail as originally requested. 

This improper action by XXXX and their Senior Business Account Executives is the reason for my report today. Based on my understanding of the Law this action on their part may have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The following companies made unauthorized inquiries and inaccurate information shown on my personal credit report. I listed below the items which UNKNOWN to me. Since I did not authorize to obtain my credit report, I demand that these inquiries and inaccurate information be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-03
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been contacting them since XX/XX/2022 asking for PMI removal. They eventually sent a response asking for a payment to get a BPO. I promptly submitted my payment. The appraiser made an appointment and completed appraisal. Appraiser confirmed sending it in to the company, but will not give me a copy. DOVENMUEHLE has not responded to my repeated requests for a status report and a copy of the appraisal. I have sent several secure communications through their website and made attempts at phone calls with messages, none were responded to. This company is intentionally ignoring and delaying the process. I would like a refund of PMI charged since my initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I believe that Experian 's membership program for fetching and managing credit reports has a security vulnerability that is actively being exploited to steal Experian accounts without the use of passwords, security pins, and other security measures. 


I personally have had my experian membership information changed by a hacker 3 times in the last month. 


Wed, XX/XX/XXXX, XXXX PM Thu, XX/XX/XXXX, XXXX AM Thu, XX/XX/XXXX, XXXX AM Each time I contacted Experian and recovered my account, then prompt changed the password to a uniquely generated 15-character string. That password is then stored encrypted in a password wallet. Likewise for my security pin and other security information.

It is incredibly unlikely that a hacker would have access to that changed information each time, without also compromising my entire online identity. Yet my XXXX  and XXXX accounts remain safe, as well as all other accounts. 

I am not alone as this is happening to others XXXX XXXX XXXX_experian_XXXX XXXX XXXX XXXXexperianXXXX XXXX XXXX XXXXexperiansXXXX/ XXXX XXXX XXXXexperianXXXXXXXX Experian 's inability or unwillingness to find and fix this security issue on their site puts millions of americans at harm, promotes credit fraud and worse of all, the hackers can request the credit report through the site, then getting even more personal details on the customer with which to launch other attacks. 

I have called Experian on the third time to let them know that this is a serious issue, and I believe the CFPB should also take this seriously. There are likely thousands of victims who are not tech savvy enough to know they are compromised.

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 2022-07-03
Company: Experian Information Solutions Inc.
State: GA
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:
CFPB complaints on complaint numbers ; EXPERIAN- XXXX XXXX These 3 Credit Reporting Agencies are are now in violation of 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, no later then 4 days after the receipt by such agency of- Companies says that they never recieved a FTC report when a copy is obviously attached to and submitted to the complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dates do not match Amounts are not matching across board All 3 are not matching Open dates are not matching ect

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 2022-07-03
Company: EQUIFAX, INC.
State: TN
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:
I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX  XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: MA
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:
Its showing on Experian a account which a repeatedly told them that I do not have this account anymore, I am authorizer user in this account on XXXX XXXX XXXX and I called Experian more than XXXX times and nobody has been able to help me. so please I need to someone to look into this account and take it off because I do not have this account anymore. 

the inaccurate information is from XXXX XXXX XXXXXXXX amount of {$16000.00}. I do not have this account anymore

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Harley Davidson Financial Services 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notice from American Profit Recovery , Inc regarding a debt of {$78.00} owed to XXXX XXXX. My XXXX XXXX account # XXXX has a XXXX balance. Please cease and desist further collection efforts and reporting of a collection to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation