BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I transferred {$300.00} to my Venmo account. Venmo then transferred it all plus fees to an old unused bank account without my consent. After fees, they transferred {$290.00}. I contacted Venmo and they said I made the transfer, but in fact I did not. I contacted my bank and they stated they had returned the money back to Venmo on XX/XX/2022. The money is still not in my Venmo account and no associate can help. They simply said nothing can be done. This is theft. The bank confirmed once again they sent the money back on XX/XX/2022, but Venmo will not contact the bank or provide my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Happy Money, Inc.
State: DE
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:
Happy Money/Loan # XXXX was paid in FULL on XX/XX/2022. I requested that said loan reflect as paid in full to XXXX. Happy Money responded to XXXX that there is still a balance. I contacted Happy Money and XXXX XXXX at Happy Money sent me an email confirming said loan is paid in full. I forwarded said letter/email to XXXX and Happy Money responded to XXXX, still saying there is a balance of {$16000.00}. 
This has been a hardship when trying to secure other financing. I was NOT happy with their company practices and chose to pay them off. They don't do same day payments, so they can collect an extra day interest. They make it difficult to pay with another checking account ( need a voided check mailed to them ) again to earn extra DAYS of interest. The list goes on.... 
Today, again I contacted XXXX and they said all I can do is keep disputing??? But they said they will forward said letter indicating account paid in full with another dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from First National Collection Bureau , Inc. from XXXX XXXX NV on XX/XX/XXXX. I called them the same day and spoke to someone identifying himself as XXXX ( I didn't catch the last name ). He said the debt was from XXXX XXXX XXXX XXXX XXXX for a credit card from XXXX on a card issued from XXXX XXXX XXXX  XXXX  XXXX. I told XXXX I didn't know anything about this account. He said he was looking up the information and told me the card was for beauty and makeup. I explained I never had such a card. I check my credit reports from all three reporting agencies on a regular basis. There was no past due account in collections from XXXX XXXX or from XXXX XXXX XXXX. I contacted XXXX XXXX Bank and XXXX customer services for credit cards and spoke with XXXX who checked her records and stated they had no record of a card in my name. I asked if they had information on a credit card even if the card was closed. She indicated they would and there was no information for XXXX XXXX. 

Both XXXX XXXX XXXX XXXX XXXX and First National Collection Bureau , Inc. have had issues with false claims and attempts at collection in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX Account XXXX, XXXX XXXX Account XXXXXXXX XXXX Account XXXX, XXXXXXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX  Account XXXX, XXXX Account XXXXXXXX XXXX XXXXXXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX XXXX XXXX Docket 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

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 2022-06-22
Company: Experian Information Solutions Inc.
State: SC
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 not had a proper investigation. I want a fair accurate report. my name is XXXX XXXX and I pulled my credit report back in XXXX last year. I been fighting with the creditors and credit bureaus for going on 6 months. I still have inquires That I didn't make, and accounts that'd reporting inaccurate information. 

I did not make these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I NEVER MADE ANY OF THESE INQUIRYS. 


Second there have been accounts that was deleted that was put back on my report without notifying me. That's unethical and its violating the law per fcra. 
XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Third there are accounts on my report that has not been properly verified. 
I received no proof.

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 2022-06-22
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I'm receiving spam text messages from someone impersonating a debt collection agency. 

The phone number referenced in the text message is XXXX the Phone number it is from in the message is XXXX. 

The link included in the message is : 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 2022-08-20
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I learned, while viewing my credit information on XXXX, that Comenity Capital Bank/ XXXX XXXX opened an account in my name in the amount of {$12000.00} ; I have never asked Comenity Capital BankXXXX for credit in any amount, and have never received any credit or money from them, and if they are making that representation they are misinformed, or complicit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
this week while checking my email I received an update on my credit report upon viewing I notice a hand full of inquiries that were not made by me. I tried disputing and received no response this is a violation of my rights as a consumer. I'm currently stationed at XXXX XXXX with the US XXXX I've been here since XX/XX/2022 there no way these inquiries were made be me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Of 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 2022-06-22
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 XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im 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 explanation
Consumer complaint received 2022-06-22
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 XXXX 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 im 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 2022-07-27
Company: EQUIFAX, INC.
State: AZ
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:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXXXXXX Balance Owed : {$7800.00} XXXX XXXX XXXX Balance Owed : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX I scheduled a XXXX payment from my Citibank account for {$2200.00} to be paid on XXXX. I received a text message confirmation of this transaction. For scheduled payments XXXX sends a reminder text message 1 day prior to the payment date, so they sent me the reminder text message for this transaction on XXXX. 

But then on XXXX, instead of taking {$2200.00} out of my account as I had requested, the transaction was duplicated and there were 2 different payments made from my account for {$2200.00}. So XXXXCitibank removed {$2200.00} more from my account than I had authorized them to do ( and {$2200.00} more than the text message confirmed they were going to take out of the account ). I immediately called Citibank to ask them to fix the problem and they said they couldn't fix it immediately and they would have to open an investigation ( I have no idea why they claimed they couldn't fix it immediately - the transaction was still in " pending '' status at the time ). They ultimately sent me a letter in the mail saying that their investigation showed that nobody had obtained unauthorized access to my account so they would not return the money to my account. I'm not sure why they spent time investigating unauthorized access to my account as nobody suggested that was an issue ; the issue was that their software duplicated the transaction. 

So I called Citibank again, once again explained what had happened, explained that I had text messages proving that I had only authorized 1 transaction, and asked them to conduct the investigation while I was on the phone so I could show them the incontrovertible evidence that I had only authorized 1 transaction and they had incorrectly duplicated it. Citibank initially refused to do the investigation while I was on the phone, but ultimately after speaking to a few different people I spoke to someone who looked at what had happened, said it was obvious that the Citibank had incorrectly duplicated the transaction, and told me that the money would be returned to my account. However the money still has not been returned to my account and I received another letter in the mail saying that the money wasn't going to be returned to my account. 

So at this point Citibank has now stolen {$2200.00} from my account because of a bug in their software, lied to me about returning the money, and wasted a huge amount of my time trying to get my money back. I would like the money that was incorrectly taken from my account to be returned and I would like to stop wasting my time dealing with 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 explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX 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

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 2022-06-22
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I co-signed 3 loans. They were originally XXXX  loans, and they explained they were sold and became all Sallie Mae. As the Co-Signer, this information was only sent to the borrower. I XXXX was in bankruptcy and have been discharged XXXX  XXXX XXXX. The loans were listed as unsecured priority. Upon the discharge the bills began to come to my home address. then the letters of default. I called and they said the loans has not had payment in 2 months. i noticed they had sent this information to the credit reporting agencies. also concerned if this loas should be forgiven,. 

I asked about the law suit on discharge of loans and XXXX and did this apply. Since they are a private debt, the bankruptcy code previously required a adversary proceeding, an had to apply the XXXX test. My chapter listed it was being paid outside my plain. they were aware, as the billing stopped during this period, They knew I was going to be discharged ; I sent the a case that until XX/XX/2021, when a federal court ruled that private student loans are not considered qualified higher education expenses under the U.S. Bankruptcy Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: EQUIFAX, 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:
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX   {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX   {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: JPMORGAN CHASE & CO.
State: KY
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 applied for a loan and derogatory information my ex-husband 's credit card is on my credit report and lowered my credit score to a point that I could not get a loan today. I made a complaint about this information being on my credit report in XXXX and the information was removed. I received a confirmation letter from Chase Bank. This information is now back on my credit report with XXXX. We closed the account in XXXX and were divorced in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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: Investigation took more than 30 days

Complaint:
This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and 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 2022-11-28
Company: Mr. Cooper Group Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I was in XXXX forbearance program with XXXXXXXX XXXX XXXX  effective XX/XX/XXXX. 
On XX/XX/XXXX, I received a modification package from XXXXXXXX XXXX XXXX I returned the package back to XXXX XXXX XXXX on XX/XX/XXXX. The modification was approved XXXXXXXX XXXX XXXX  advised me the payment amount was determined at {$1900.00} the interest rate was XXXX percent. 

XXXX XXXX XXXX sold the loan to Right Path. I reached out to Right Path on several occasions, but on XX/XX/XXXX Right Path informed me not to make any payments because they were going to send me out a modification package during the first, week of XXXX. I never received the package and then noticed they reported me 120-days past due on my credit report, this was around XXXX. 

When I spoke with someone at Right Path regarding the 120-day delinquency in XXXX, they stated it was an error and corrected my credit report. Now Right Path has reported me 120 days past due again to the credit bureaus and have not corrected the issue.

Company response to consumer: Closed with explanation