BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
Company: Paypal Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Yes I applied for a loan and I was wrongfully denied. The company has been given numerous loans and they were all paid off and we do qualify but still no loan. I get error messages. This is the first complaint I have filed about this matter but it has been an ongoing issue since the last loan was paid off We are a 20 year plus account and we should not be going through this. 

I am on file at the Nevada Secretary of state. I do not choose to give my social security number out because XXXX XXXX who is the owner has given his and actually this is an LLC and it is not required by law and I am afraid of becoming the victim of identity theft. To my knowledge if it is an LLC it is not required. I am not sure if this is XXXX XXXX behavior or it is just illegal and unethical activity in business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity has been updating their website for a while now and I havent been able to pay my card. I dont want my credit score to be affected because of them. Im reading also that they might have gotten hacked and that just worried me more specially regarding my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: TX
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. 

I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

1. XXXX XXXX  ( Double Cash Card ) ( Account : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
I have spoken with the company along with disputing it. XXXX and XXXX has correct but transition continues to make me dispute and send results 30 days later saying the information reported is correct. It had caused my credit score to be low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Avant Holding Company, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Noticed a new card opened in my name with XXXX XXXX in mid XXXX. Called them multiple times to advise closing card and to send me to fraud department to get this closed and fixed. Would not inform me of status, would not let me speak to management, hung up on me multiple times when I asked for documentation of fraud being taken care of. Froze my credit and worked with them to send a letter. Still no response and will not speak with me on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: ClearOne Advantage, LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
XX/XX/20 - I called ClearOne Advantage to cancel my account with them, due to a lose of income and not being able to afford their services going forward. I was told that the cancellation request was submitted and would be worked on. 
XX/XX/20 - I inquired on the status again of my account as I had seen that {$680.00} had been withdrawn from my bank account after I had requested to cancel. I was transferred to a representative that instead of listening to my request, would not honor what I was saying and tried to get me just to stay with the company. 
XX/XX/20 - I called ClearOne Advantage and was told that instead of just being able to cancel they are in turn going to charge me another {$3000.00} although I've been paying them well over the stated amount that was agreed upon during my initial signing with them. I feel that they don't take into account their clients and instead work on just getting people through their call log since they are working on commission. The settlements that they worked out for me seemed to have cost more in their fees to put money in their own pockets. They don't care about their consumers. I reached out for help from this company only to find that they aren't protecting me and my well being in the long run.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX IC Systems reported a derogatory debt on my credit report that was already paid to the original creditors XXXX XXXX  in 2020 which violated my rights to privacy. 

Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that this debt is owed to them. Ive spoken with different representatives explaining that I returned all equipment and paid the company directly and they failed to remove this debt from my credit report. 

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

This violation has caused me great grief as to my credit score.

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 2022-07-29
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:
n accordance with the Fair credit Reporting act 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 a account without my written instructions. 

Account name XXXX XXXX XXXX Account number XXXX Original balance {$24000.00} Past due amount {$4800.00} Date opened XXXX XXXX, XXXX Needs to be removed Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1000.00} Past due amount {$1000.00} Needs to be removed Account name XXXX XXXX XXXX  XXXX Account number XXXX Balance {$1700.00} Date opened XX/XX/XXXX Needs to be removed

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$0.00}

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 2022-04-25
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 fraudulent charges were made on my Citibank card, Citibank shut down my card, contacted me, and I confirmed the fraud. All of this happened within XXXX hours. At the time that the fraud was confirmed and for days later, the charges were shown as pending. 

Thereafter, Citi posted all the fraudulent charges ( {$370.00} ) to my card. I contacted Citi, pointed them to the law indicating the maximum they can charge is {$50.00} and Citibanks policy is to charge nothing. 

Citi refused to remove the charges pending their fraud investigation, claims that despite the charges being fraudulent the charges were authorized by the person committing fraud and therefore authorized and claimed Citibanks fraud investigation was delayed due to XXXX other companies being unresponsive- which begs the point - no charge should have posted to my account in the first place. 

Also, the thief posted credits to my card for some of the same amounts charged at the same vendor. Citibank caught the credits and didnt post credits but posted the corresponding charges. Funny how that works.

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 monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX has violated my rights under 15 U.S.C 1681 section 602A and 604A section 2 and 15 U.S.C 1666B See attachments below

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 2022-07-29
Company: EQUIFAX, INC.
State: NC
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, Account # XXXX XXXX XXXX XXXX, have violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( a ) ( 5 ) Section States : NO CONSUMER REPORTING AGENCY may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This creditor continues to report outstanding balances regarding medical debt to my credit report. I have advised and requested over a period of multiple years that either them or the original creditor can submit any outstanding medical debts to either XXXX XXXXXXXX or XXXX depending on dates of service. They have also been advised by me that they could have presented these bills in a retroactive manner. I have also requested to the current and original creditors to provide to me in writing that they have submitted any bills to the eligible insurance companies for payment and that they were denied by the insurance company. Despite my many requests to provide in writing, as of XX/XX/2022 I have no received any notification of denied claim in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX has my account on collections which should not be in collections. Previously XXXX has said after submitting my insurance card at the time they will delete all collections that happened after that. In my attachments it's clearly shows I had insurance PRIOR to the collection date. I'm asking the beaurus to do their due diligence and the facts I presented to have these items deleted. And not just accept the companies response of " account is verified ''. I'm also uploading my license and social to verify myself so the besrud don't mail me asking for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I closed 2 accounts at Truist Bank on XX/XX/2022, and was given XXXX  bank checks for the amounts of {$52000.00} and {$5000.00}, respectively. 

The checks were stolen from US first class mail. The check for {$52000.00} was fraudulently altered to another payee and negotiated. The check for {$5000.00} has not been located. 

I promptly notified the issuing bank on or about XX/XX/2022, of the losses. In the presence of the bank manager, I completed all paperwork for claiming the losses of both checks. 

On XX/XX/2022, I received a letter from the bank saying that the {$52000.00} would be " credited to my account '' ; however, when I went to the bank on XX/XX/2022, the bank refused me because the account had been closed in XXXX. 

The bank corporate Fraud info line told me that no claim had ever been forwarded to them for the second check, {$5000.00}. 

I am out {$52000.00} and {$5000.00}, respectively, because the bank has failed to follow through on its own policies.

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: NC
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 act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXXXXXX account XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX account 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 non-monetary relief
Consumer complaint received 2022-12-02
Company: ALLY FINANCIAL INC.
State: CA
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 bought a XXXX XXXX for cash, in XXXX, from XXXX XXXX XXXX XXXX XXXX California XXXX in XXXX. Car 's identification number is : XXXX. When I bought the car, I fully paid for it with no loans. I fully paid for it when I bought it with no car loans. I went to get the title from XXXX XXXX, on XX/XX/XXXX, and I was told that XXXX  ( XXXX XXXX XXXX XXXX  MD ) is the lien holder and I need a lien clearance from them. On XX/XX/XXXX, I called XXXXXXXX XXXX XXXX who told me XXXX is no longer the holder of this lien and Ally Financial, phone number XXXX is the lien holder. On XXXX I called Ally Financial and they told me they did not have access to this older file and higher management has to review it for 48 business hours. They told me they will call me and that they CAN NOT email me about this case. This concerened me because they said they can not email me for updates. When I asked for an email regarding this case, they said they can not use email for this older file. They generated a reference number for my case which is XXXX. I asked why a car that was fully purchased without a loan, in XXXX, had a lien on it and they said they did not have access to the file and higher management has to look at it and it is possible that it was sent to the lien hold section by mistake. I am concerened that they have put a lien on a car I bought in XXXX and paid fully for it at the time of I bought it. I should have the car 's title. Can you please look into why this institution has a lien on my car and they have not remedied this situation by sending a lien waiver to me or to XXXX XXXX. 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 2022-07-29
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 southwest credit systems put a collection on to my credit but never sent me a Validation notice Via Mail or electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
State: NY
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 US Dept of Education Account # XXXX and 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 US Dept of Education Account # XXXX and 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 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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$0.00}

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 2022-07-02
Company: Consumer Adjustment Company Incorporated
State: MD
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 pull have alerts set up on my credit as a result I received one stating that I have a collections account. I the called the place of business only to get brushed off by a staff member because I did not want to provide my personal identity information. I was not comfortable doing such because I have never done ANY BUSINESS with the merchant requested and I am not even sure how they were able to just plaster their info on my credit report without even have said proof. 

I DO NOT have any account with XXXX XXXX in fact I have never step foot on their property in over 2 decades. In fact, when I noticed a charge on my bank account initially back in XXXX of 2021, I immediately filed an unauthorized dispute with my bank. They closed the account and I thought that was the end of it. Now, they put an account on my credit when again I did not sign up for any account. 

Lastly on XXXX I called XXXXXXXX XXXX  and explained that I personally was not the one who made the change on my card but knew who did and the charge was not authorized. I did not wish to prosecute the person because it was someone from my XXXX XXXX XXXXXXXX XXXX daycare center who also is a minor. At this point I feel like they took advantage of a situation and wish to hold someone accountable. However, that person is not me, I was working when this occurred and again DID NOT give anyone permission to use my bank card/XXXX XXXX or any financial Information to sign up for an account with these people. 

Nor did I sign anything EVER with the merchant agreeing today for anything. I tried to resolve the matter almost a year ago but they are now being vindictive to go the extra mile trying to force me to pay for what is clearly an unauthorized transaction.

Company response to consumer: Closed with explanation