BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: Experian Information Solutions 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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-06-24
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 this isn't 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 719transunion has me at a score around 590. 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-04-24
Company: Resurgent Capital Services L.P.
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:
N accordance the fair credit reporting act LVNV funding account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished two accounts on my report. 

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ). 

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

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 2021-08-03
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1.XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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: Account status incorrect

Complaint:
For over four years I have maintained an exceptional payment history on every account. During this time I have also paid off several accounts and presently have a XXXX balance on all remaining revolving accounts and paid off two installment accounts for over {$11000.00}. My only obligations at this time are my mortgage and heloc. Last year, I had paid ahead my XXXX XXXX installment account so I didn't have another payment due until some time in year XXXX. I decided to go ahead and pay this account off anyway about a month ago for over {$4000.00}. 
Last week my score went to XXXX and I was fine with that. I thought someone had finally taken the time to begin to fairly adjust my score. However, after my report recently updated to show a {$0.00} balance on an OPEN revolving XXXX account, my score went DOWN to XXXX and all of a sudden I have " Lack of sufficient credit history ''. ( The closed XXXX account on the XXXX Report shows an age of XXXX XXXX. ) Also, there were " Too many inquiries '' according to XXXX. ( I have nine inquiries with one dropping off this month and three dropping off this year. Two last year were obviously competitive and one inquiry " XXXX '' should not even be on my report-I disputed it as fraud but it is still there! My credit report was locked during that time so how did this happen? Also all but one are from the SAME lenders I have been with for years now and the new one is for my son 's student loan deferred until some time in XXXX for {$99.00} mo. Additionally, there have been NO INQUIRIES THIS YEAR. So is XXXX grasping for something? ) I have no bankruptcies, judgements, liens and nothing that should negatively affect my credit report account at this time. 
XXXX is not fair. I have PLENTY other examples that I can share if needed. I have to wonder am I being discriminated against, or does the company get more money to keep scores low, or are their staff trained this way??? There is something going on there and it is not fair. XXXX will find a way to keep your score from rising. 
I feel that XXXX IS being discriminatory, if not by race, by some other measure that ultimately hurts those already at the lower end of the credit scale. Please look into this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Markoff Law LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
During XX/XX/2019 through XX/XX/2019 the company and I agreed on a court ordered document about the terms of the payment plan via email. This document has all the terms and amounts that were to be paid. It has been 3 years since this agreement has been signed and sent to the company for the Judge to honor. The company was recently contacted and they stated the debt owed is substantially more than what should be owed. What is currently owed is a little over XXXX dollars. This is appalling due to the fact that the original debt was only about XXXX and XXXX monthly payments have been made for the past 3 years. Per the company I did not sign the document and/or submit it to their possession, although there is proof that the document was signed and sent. Therefore, they added a 4 % interest rate to the debt owed without any communication or agreement. 

There is email proof that the document was requested on XX/XX/2019. The company sent the document on XX/XX/2019. The document was signed and emailed to the company 's representative in a timely fashion which was XX/XX/2019 before the court date on XX/XX/2019. There should be no interest rate applied since the document was signed and submitted into the possession of the company. The agreement they are imposing on myself is illegal and unethical by all means. I have tried to work with them numerous times to solve the problem and they instructed me to " seek counsel ''. 

I have asked for a full ledger of payments made, amount owed and where the money has went ( principal or interest ). They have yet to send it to myself and/or legal counsel. I will have those documents soon from them I believe, so once I receive them I can also give to you all as for further proof. I have attached the email thread ( s ) and court ordered contract/agreement that I signed and submitted to the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: The Best Service Co.,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:
CFPB + XXXX + The Best Service CO/XXXX  On a recent review of my credit reports I discovered your company pulled my credit on XXXX without my written authorization on : XX/XX/2021 I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. 

If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact XXXX immediately and have them remove the unauthorized hard credit inquiry. 

Please send me a written confirmation that you have complied with my requests. 

I fully expect this unauthorized credit inquiry to be removed from XXXX immediately as you will not find my written authorization as I did not give it. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. 

Thank you for your attention to this urgent matter. 

Attached to this complaint are : - copy of drivers license - copy of social security card - copy of address - snapshot of unauthorized credit pull

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 2023-11-14
Company: Experian Information Solutions Inc.
State: MN
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 appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged identity theft but I still have remaining fraudulent items left that need to be removed. I was going through my records & noticed that many files that do not belong to me still remained. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found listed identity theft report # XXXX. Please remove these items : EXPERIAN : XXXX XXXX XXXX  **** Balance Owed {$610.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX **** Balance Owed {$0.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-09-19
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Months ago I had an issue with Paypal where they sent money I received from a client to the wrong account, leaving me stranded and unable to pay for transportation to the bank where I was initially heading to correct a financial situation that the money I received from the client would help alleviate in addition to cash I had. When I called Paypal to correct the issue the agent I spoke with offered a {$25.00} promotional credit to fix the issue, but I learned shortly after getting off the phone none of the transportation options available to me would accept the credit. Fast forward to XX/XX/XXXX, this morning, I awoke and saw that my credit card was charged {$19.00} by XXXX via Paypal. The recurring payment agreement I made was for XXXX to charge my debit card. I called XXXX and asked why was my credit card charged when the recurring agreement I made was for the specified debit card specifically and the agent on the phone said if the card declines Paypal moves to the backup funding source. I remarked that I never designated nor authorized any " backup '' funding source and that if any individual or even my bank took it upon themselves to pay a merchant from whichever one of my accounts it decided upon themselves to pay when the only source I specifically authorized was a debit card that would be considered theft. Why does Paypal think the law doesn't apply to them as a mega corporation, particularly when there is a {$25.00} credit on the account? The agent then said this is something their manager could handle and issued a refund to my credit card which I thanked them for. I was then transferred to a manager whom asked me to verify a card on the account. I gave her the debit card in question and she remarked there was no record of the card on file and demanded I list another source. I said that's worrying that the primary card I use isn't showing on your system. After I gave the last four of another card, miraculously my debit card showed up and she claimed it was at the bottom of her screen and she couldn't see it. From that initial exchange I had a feeling I would be lied and condescended to for the remainder of XXXX XXXX. I asked specifically why did Paypal take it upon themselves to pay XXXX from a card I never authorized for a recurring payment when there is a {$25.00} credit sitting there. She then proceeded to tell me the promotional payment was used to pay XXXX on the XXXX. I told her that's demonstrably false and I was looking at my bank account with the full charge debited from my debit card. She essentially said that's not true implying I was liar and became combative in her tone and said that her decision was final. I asked was there anyone I could appeal to and she remarked I can try to see if her manager was available but she would make no promises, essentially implying she wouldn't report the issue higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: BARCLAYS BANK DELAWARE
State: PA
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 added an authorized user to my account on XX/XX/2022. Because I monitored the spending by spending by getting emails Sent to me letting me know when a purchase was made this was made unfortunately the company did not have where they can send me text alerts. I called on XX/XX/XXXX spoke to an agent requested that my credit limit from {$1000.00} Be decrease to {$500.00} she stated that I needed to bring the balance under that to decrease I did exactly what was told had my account decreased and advised for no authorization for any credit increases. On XX/XX/XXXX the authorized user had rented a car from XXXX they held {$520.00} at that time. On XX/XX/XXXX I also locked the authorized user 's card so he could no longer make any purchases. When I paid off the balance of {$490.00} to bring my card balance to XXXX On XXXX the XXXX. I was told by XXXX from XX/XX/XXXX they requested a {$130.00} they were declined from XX/XX/XXXX until XXXX the XXXX after that on XXXX the XXXX XXXX XXXX pay them XXXX How did that happen I only had a {$500.00} credit limit that is 7 times over the allowed amount. I need this resolved. No one can explain why they paid them that after declining them a XXXX on up till you get to XXXX and then you pay them and 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 2022-06-24
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
First, I will start off by saying that I gave Mariner Finance 1 star only b/c the staff was polite BUT I have had the most horrible experience with them. In XX/XX/2021, Mariner Finanace took 2 payments out of my account that I did not authorize which caused an overdraft in my bank account. My account with them was falsely flagged as late. By the time they looked into it a month had gone by and they asked if I wanted the payment back but by then it was no point since my next payment was coming due and the damage had already been done. Never got reimbursement for the overdraft they caused due to their negligence. You also can not make additional payments online or via the app you have to call and potentially have the experience I had with them taking more than they are suppose to. I applied for a loan on XX/XX/2021 and sent everything they needed for it. Mariner Finance took so long to process my application I went on vacation from work for a week came back to work and it still wasn't processed. By the time someone got back to me, I had to resend every document I had already sent twice. Finally closed on the loan this past Tuesday. It's Friday and I never recieved the funds on the loan. The end of XXXX I called Mariner finance because I have not been able to make payments and the only options they offered me invilved further harming my credit score. It's not worth the high interest rate and fees they charge people the stress and aggravation. Their politeness is not enough to compensate for the experience I had with them nor the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent Transunion credit report. I noticed some credit inquires that I did not authorize to pull my credit report. The inquiries made by the following companies : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief