BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, and XXXX XXXX XXXX acct # XXXX have violated my rights and have furnished my account information without my written consent and/or my written instructions. 

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 also states a consumer reporting agency can not furnish my accounts without my written consent and/or 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 2022-08-20
Company: Experian Information Solutions Inc.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-20
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had been very ill and my boyfriend had been sick with XXXX twice. I was a month or so behind on my mortgage. I called my servicer Select Portfolio Servicing and they were very easy and helpful. They quickly offered a 6 month forbearance. This was in XX/XX/XXXX. I thankfully accepted and went about the business of trying to get our lives back together. My next payment was due XX/XX/XXXX. I called to make sure all I needed to do was send it in. I was greeted by a customer service representative that let me know the full amount of my 6 months forbearance was now due. Needless to say, I was shocked. 
I was expecting some kind of modification to add it back into the mortgage. It basically defeats the purpose to suddenly want it from me. I was told to file a XXXX and they would decide how I was going to pay it. So then began the documents request. Over and over. I sent them, their system acknowledged receipt but yet I get another missing documents letter. THEN I start getting letters that let me know that in the background of all this they are getting everything really to file for foreclosure and there wont be anything I can do about it if my documents arent in. Sounds like XXXX!! Amazingly, they also keep sending me letters tell me my house was discharged when I filed bankruptcy in XXXXAGAIN - I sent them the documentation that I had reaffirmed the mortgage at the time of bankruptcy. Somehow they cant process this information either. I feel Im not getting good customer service because they think I have no legal responsibility for the mortgage. Its much easier to take the house and sell it to someone with a legal interest. The problem with that is that I bought that unfinished lot on a mountain in XXXX. I put my home on it and raised my children there. Now because I was stupid enough to believe the mortgage servicer was actually helping me, Im losing my home of 35 years. Im XXXX, on a fixed income and have no where to go. How can these people just jump into my life like this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act, EXPERIAN, XXXX, XXXX has VIOLATED my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I HAVE the right to privacy Theses addresses and Names DO NOT belong on my credit report 1. XXXX XXXX XXXX XXXX XXXX KS XXXX 2. XXXX XXXX XXXX XXXX XXXX, KS XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: American Financial Network Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a call today from American Financial Network from the phone number of XXXX at XXXX PM. The call lasted XXXX  minutes and XXXX  seconds and the person who I spoke to was named XXXX XXXX who has an employer ID of XXXX. She agreed to allow me to record the phone call conversation I asked why American Financial Network is now calling me and asking for information, while 2 weeks ago they told me to speak to XXXX and how i have continually received different information from each of the businesses and the many issues that I had with the company. 

I was told that my loan modification request was under review whereas during last call about a week ago with XXXX  I was told that I could not apply for a loan modification or the Covid relief plan. It is recorded and this conversation today is another contradictory statement totally at odds with previous conversation just a week ago. This is absolutely confusing as I am told different things and different statements about my loan modification application status. I need help here as I constantly get contradictory information during every one of my nearly XXXX calls and followups with XXXX and American Financial Network.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This company treated me so badly. My bag was stolen while I was in the hospital for a crisis from my mental health issues and my account and card was compromised. The company is blaming me for the incident and will not release my funds even though I won the disputes. I can not help this happened and did not authorize anyone to use my account. They sent me an email telling me there was no way they could help me. How do they have the right to tell me that this is my fault? How can they hold my funds pass the day of the dispute decision. They are holding my funds on purpose and locked my account on my birthday which was very wrong. I just want my funds and I want people to be aware because the company will blame the consumer for a compromised card. They denied the XXXX $ dispute because of the price without a proper investigation. The representatives were rude and cancelled my account due to the XXXX sound in my voice. As a minority of the lgbt community with XXXX  history I dont think they should play with peoples money. I can not help this happened. I hope Venmo does something about the judge mental employees. I feel very discriminated against for being a XXXX XXXX XXXX  and everyone should know how I was treated. All on my birthday. I just want my funds released. And they put notes on your account to be vicious so the next time you call the way you are treated wont change because of untrue notes left by rude representatives who judge customers based on their voice. They can tell when XXXX peoples call and they know a XXXX voice and treated my account as such. They had the ability to let me withdraw my funds. All of this happened as I got out of the hospital from a XXXX  hold. They only made it worse. I have attatched the paperwork from the hospital I was in during this time. I feel so low as a human and my light bill is due and when told about them being disconnected I was told that its not Venmo fault your light bill is behind. This is unacceptable behavior from the women who work there. They were really judgemental and I may have to go back to the crisis center over this situation. Please help me. I have verified my identity 4 times but the robots keep sending the same email. So they have my email blocked from reaching a human who would hear this and sympathize with me. I feel mishandled and sent to the bot machine to handle human affairs. I was told in a rude way that my account was being frozen when XXXX the one reported the activity. They can not do this without even telling me what I did and not let me recover my {$560.00} and extra {$350.00} from a claim they denied because of the price of the transaction but the approved the XXXXXXXX XXXX transaction under the same conditions. This should be against the law and Venmo investigated and sued for XXXX and XXXX discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: CITIBANK, N.A.
State: NY
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:
My card has been compromised THREE times already and I have fraud charges that are affecting till this day. I have called multiple times for the past 2 months to initiate a fraud dispute and nothing is being done at all. I kept being told that they were working on it but since the first fraud charge back in XXXX nothing has been done about it. I couldnt access my disputes online until recently but nothing was done. I have an insane balance of XXXX dollars that isnt because of me and I refuse to pay for fraudulent charges. Ive had multiple cards replacement cards sent to me and have dealt with the same issue. I was a victim of fraudulent charges on multiple accounts from multiple banks and have resolved everything except for CitiBank. 

Ive contacted them on multiple occasions : XX/XX/XXXX ( Twice ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Twice ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Twice ) XX/XX/XXXX ( Twice ) I was told each time that were will be a resolution the next day but nothing was ever done. 

Fraudulent Charges : XX/XX/XXXX {$52.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$28.00} Ive contacted XXXX and they have submitted a dispute about it. CitiBank has not helped out for months while im being forced to pay out my balance. I do not want to ruin my credit and I want this card to be canceled and off my report completely.

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 2022-06-06
Company: Chrysalis Holdings LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
New Day USA-Deceptive advertising. 
I've been seeing this companies comercials everyday and the continue to give misguided and deceptive information. 
I have reached out to the numerous time with NO response. 
They have a history of this and has been fined in the past. 
I'm a Veteran and a XXXX XXXX XXXX  They need to be fined again ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions 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:
To whom it may concern, I sent Experian a letter on XX/XX/2022 demanding deletion of multiple accounts that were reported on my consumer report. I never gave any written instructions to Experian to furnish a consumer a report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). I demand Experian provide proof of written instruction from myself the consumer instructing them to furnish a report. These false and misleading practices used by Experian to obtain my consumer information from XXXX XXXX and various sources violates 15 USC 1692e ( 10 ).

They have committed identity theft according to 603 Definitions ; rules of construction 15 USC 1681a ( 3 ) The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureaus may prescribe, by regulation. They have committed identity theft by falsely representing and use of deceptive means to collect my consumer information without consent and collecting consumer information of alleged debts owed and furnishing a consumer report without consent to report this information on. I have tried multiple times to get Experian to delete these alleged debts owed, late payments and collections reported on my consumer report. I have disputed Experian on XX/XX/2022, XX/XX/2022 and XX/XX/2022 I sent letters of dispute for these accounts to be removed. 
I as a consumer have suffered from obscene and profane language on my consumer report. I suffered from XXXX  and XXXX because I'm unable to obtain employment or credit and fell into financial hardship and have not been able to obtain insurance or housing. My family and I suffered from abuse from Experian. 
By Experian obtaining my consumer information without any consent and furnishing this on a consumer report, caused hardship for myself and my family as well as damage to my reputation and suffering. This harassment and abuse is a violation of my rights as a consumer according to15 USC1692d ( 1 ) ( 2 ). 
Experian knowingly and willfully obtained my consumer information under false pretenses from XXXX XXXX as they state as the source of where my consumer information was obtained from without my consent to furnish a consumer report and service their customers violates my right as a consumer according to15 USC 1681q. 
My right to privacy as a consumer was also violated by the identity theft of my consumer information and furnishing a consumer report without consent being made available to service their customers such as creditors, employers, insurance companies, landlords etc. This violates 15 USC 1681 ( 4 ) my right to respect and privacy as a consumer.

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 2022-08-20
Company: Experian Information Solutions Inc.
State: NC
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXXR Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all have 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 an 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 explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report profile and I seen inaccurate information that was unauthorized. I am very upset that I seen this because I applied for a credit card and got denied. I was XXXX disappointed and I need this resolve now. Please see upload

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report profile and I seen inaccurate information that was unauthorized. I am very upset that I seen this because I applied for a credit card and got denied. I was XXXX disappointed and I need this resolve now. Please see upload

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please remove these accounts on my file ASAP.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED ANY GOODS OR SERVICES FROM THESE ACCOUNTS OR INQUIRIES

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