BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: WA
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 have been permanently opted out of receiving credit and insurance offers, which I completed several years ago, through the opt out provided by the FCRA and CFPB. Unfortunately, Experian is ignoring my permanent opt out status, and continues to supply my personal and credit information to credit and insurance agencies. I have confirmation that Experian was the credit agency responsible for providing these two companies with my information, illegally. 
I have tried, multiple times, both verbally and in writing, to contact Experian but have received no response concerning this matter. I am unsure why this credit agency is engaging in illegal activity, but I would hope that this business would be aware enough to follow the current federal statutes on this topic and begin to abide by the law.

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 2022-07-01
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
First thanks for give me the opportunity for get help from PayPal to resolve my issue with my account. 
I call today for request something and they told me my account has been limited by the system. 

Will you please check if any specific reason why this happened. 

I hope get help. 

My email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01
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 is missing that should be on the report

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-07-28
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am filing this complaint in reference to the previous complaint about LexisNexis. i have disputed the inaccuracy on my clue report that was place by XXXX  XXXX they have done a investigation and they said after they investigated and got reports from XXXX  they said it was accurate. I then in turn filed for a reinvestigation and in turn they reported back to me that the information collected from XXXX  for the reinvestigation was accurate. i provided them with accurate information and they still refuse to remove the inaccuracy. then i filed complaint with the CFPB and they still didnt remove the inaccuracy. according to the consumer laws, I am the consumer and have consumer rights, in which they are violating. LexisNexis is aware of these inaccuracies and are negligently reporting false information. usc 1681 says a consumer has a right to privacy, USC 1681b SAYS THAT A CONSUMER REPORTING AGENCY CAN ONLY FURNISH IN ACCORDANCE WITH THE WRITTEN PERMISSION FROM THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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: Account status incorrect

Complaint:
THIS COMPLAINT IS SUBMITTED BY MYSELF XXXX XXXX WITH NO ASSISTANCE. 

XXXX XXXX  ( XXXX ) This account is open! It has never been closed! The balance is XXXX The payment history since XX/XX/2022 till present ( XXXX ) is not reported It should be reported open. Payment history from XXXX XXXX XXXX  is on-time good

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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXXXXXX XXXX  for which I am a cosigner for a truck has inaccurately reported 3 missed payments. I am writing because the payment was made on XX/XX/XXXX and they updated today with a 30day late notice. Causing my credit score to lose XXXX. I opened a dispute with the credit bureaus but in XXXX this happened twice. XXXX inaccurately reported 30day late payments when my bank verified these were paid on time. The credit bureaus did nothing to fix XXXX mistakes so I am taking action now to prevent them from neglecting my account. It took years to bring up my score for inaccurate mistakes from XXXX. This company is unlawfully reporting late payments when my bank account verified they come out on time. XXXX does nothing to fix these mistakes.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 non-monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX I had registered the my vehicle to Alabama at which I no longer lived at the address thats reporting with XXXX XXXXXXXX XXXX XXXX For The XXXX XXXXXXXX XXXX XXXX my drivers license and registration attached to that vehicle at that time is XXXX XXXX XXXX XXXX XXXX, Alabama.

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 2022-09-22
Company: SYNCHRONY FINANCIAL
State: HI
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/2022 I received an email from PayPal saying I had a transaction from XXXX for {$80.00}. I reviewed my PayPal account and saw the charge was accurate, and not authorized by me. It is currently pending authorization. The address has it going to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked in XXXX and XXXX other victims have commented the exact same fraudulent activity of XXXX purchases on their PayPal. I have never been to this business and do not know how they got my 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 explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: ME
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:
On XXXX XXXX, I received an alert that an inquiry had been made into my Experian credit report that I did not initiate.

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 2023-07-11
Company: ALLY FINANCIAL 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:
As of recent I've applied for an auto loan but the dealers ran my credit giving me multiple hard inquirers hindering my ability to gain approval from possible lenders. Also in my adverse action letter they are telling me due to limited credit history that they are unable to extend me credit. First, I feel that I am 100 % credit worthy and from my understanding, ( legally ) limited credit history is not a legal reason to deny me credit.

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 2022-12-02
Company: Paramount GR Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received a loan through Goodleap for solar panels. The conditions of the loan were to pay a certain amount back with federal tax credits within an 18 month time period. They failed to explain that these tax credits can take years to get therefore making it difficult to pay down the targeted percentage in 18 months. Furthermore the solar panels do not work as promised so now not only am I paying my usual electric bill but Im also paying a large loan each month. Ive tried multiple times to speak with them about both problems with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent my identification along with proof of address online and by mail to all three credit bureaus. They have wrong names and addresses on 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 explanation
Consumer complaint received 2022-12-02
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a victim of a scam from a company I though I was hired for. I was sent a company check to deposit for expenses in the amount of {$1900.00}. After I deposited the check on XX/XX/22 later that day I recieved a call from the bank with no message. I called back and they told me it was about the check. They said the check was good to disregard the call with no other details. About a week later I received a letter on XX/XX/22 that was dated XX/XX/22 that the account connected to the check I deposited was closed and my account was debited the {$1900.00} plus a {$5.00} return check fee. I called the bank where the check was deposited regarding the letter. I spoke with a bank manager and they told me it was miscommunication and they apologized, but I had already sent out {$1500.00} of the check to a lawyer for expenses for the lease of a new location in my region of NC. If I was notified by the bank on XX/XX/22 that the check was no good I wouldn't have sent the {$1500.00}. My grievance is that why didn't the bank inform me that the check was no good on XX/XX/22 instead of mailing a letter that took a week meanwhile I had already sent the {$1500.00} out. I have corresponding documents if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, 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 XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, The complaint refers to Citibank ( Reference ID : XXXX ) I have had joint checking and savings accounts with my wife, and several credit cards with Citibank, for several years. In addition, my current employer direct deposits my paychecks there and I also use the billpay platform to pay my utilities. 
We have been receiving multiple XXXX XXXX XXXX  requests over the past couple of weeks, each with successive and increasing levels of information being sought, in order to ensure that the accounts " remain in good standing. '' * First I was asked to validate basic information such as personal information ( name, address, etc. ).

* Second, I was asked to validate my employer name, which I complied with. 
* Then I was asked to provide information about my annual income, which reluctantly was provided, including updating my online customer profile. 
* The information provided in the online profile was not retained, and the phone calls continued, threatening us that the accounts will be closed or frozen. 
* Today, XX/XX/22 things escalated even further as we were asked to provide " sources of wealth '' and detailed assets, liabilities, and property valuations. I complained to the representative about this being intrusive to my privacy and unnecessary to operating the bank account and was once again threatened with account freeze by mid XXXX, should the information fail to be provided. 
My wife and I feel totally harassed, our privacy is being infringed upon, and now we have to incur unnecessary expenses to prove the valuation of home and assets. We are completely dumbfounded as to why Citibank is being unreasonable and asking for items such as " employment verification letter '' when my direct deposit clearly states the source of income. Attached please find the latest round of requirements. While Citibank claims that their XXXX rules may differ from other financial institutions, and we can easily switch accounts, we would like to formally complaints as other Citibank customers could be similarly targeted and inconvenienced. 
Despite our request, no information was provided about how this sensitive personal information will be handled, what is its chain of custody, who has authority to request or even view such private information for the purposes of validating our account information. 
We refuse such details and are asking for your help in resolving this matter. See attached request list from Citibank and you can judge for yourselves as to its overall reasonableness. 

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 explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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:
Account- XXXX XXXX XXXX XX/XX/2022 $ XXXX Inquiry- XXXX XXXX  XX/XX/2022 inquiry- XXXX XXXX XXXX XX/XX/2022 inquiry- XXXX XXXX XXXXXX/XX/2022 account- XXXX XXXX XXXX account- XXXX  XXXX XX/XX/2022 {$140.00} Account- XXXX XXXX XXXX XX/XX/2022 {$390.00} inquiry- XXXX XXXX XX/XX/2022 The above referenced accounts/inquiries were not authorized by me. Ive contacted companies in regards to the misinformation and given them 30days to comply. The companies who did comply are not list and they have removed any false info from my 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 explanation
Consumer complaint received 2022-07-01
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 2023-11-30
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was gifted a {$200.00} card in XX/XX/. I attempted to use it for the first time on XX/XX/2023 and there was no balance. The money was stolen from the card. 

Blackhawk Network refused to remedy the problem because I did not notify them in 60 days.

Company response to consumer: Closed with explanation