BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed with TransunionXXXX, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where XXXX of the accounts stated they only verified that XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all three credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XXXX and I do n't even have a credit card with them.

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 2022-11-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received several automated phone calls from number XXXX XXXX XXXX XXXX at XXXX, XXXX, XXXX, and XXXX on XX/XX/2022. The cell phone receiving these messages is my personal phone number : XXXX. I picked up the phone and a robocaller said that " Someone is trying to change my password, if this is not you, press 1. '' I pressed 1 and was prompted to enter a security code from a text message. I entered the security code, and the phone immediately hung up. This occurred several times in succession. 

Here is a picture of the caller number via screenshot https : XXXX Here is the text messages I received via screenshot https : XXXX My paypal account was hacked on XX/XX/2022 at XXXX PST and the account password was changed without my authorization. 
Photo proof : https : XXXX The unauthorized user accessed my account and all of my current crytpocurrency holdings were sent out unauthorized and without my input to an unknown individual.The fraudulent transactions are as follows. 

The paypal account id is : XXXX XXXX following fraudulent activities have been identified. 

1. 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX XXXX to : XXXX Photo proof : XXXX XXXX XXXX XXXX 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX Sent to : XXXX Photo proof XXXX XXXX XXXX XXXXXXXX XXXX. 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX Sent to : XXXX : XXXX Photo proof : XXXX XXXX XXXX XXXX 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX  Sent to : XXXX Photo proof : https : XXXX I called paypal 's help number at XXXX XXXX XXXX XXXX and was assisted by an agent to report the fraudulent activity. A photo of the case file is listed below. 
https : XXXX. 

I was instructed by the agent to change my account password and I removed all of my linked credit cards and banking accounts. I was told that they will be investigating the account and activity which may take several weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In a nutshell, I had a XXXX bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. *SEE ATTACHED LETTER dated XXXX/XXXX/2013 XXXX. I paid them, per their terms, and received confirmation of acct. 
was settled. Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms, but are reporting : " charge off '', no mention of any settlement, and " settled for les than full balance ''. THIS IS NOT THE SAME THINGAS THE XXXX WORDS I WAS PROMISED- " SETTLE IN FULL ''. I did nonot agree to " settled in full, for less than full amount '', or any similar term. 
I called XXXX about this last week, and was told they have nothing to do with how the XXXX CRA 's report on this. This was a bold lie, as XXXXwould be the one to give the information out to TransunionXXXX. 
to release the information concerning payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : 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 explanation
Consumer complaint received 2022-11-19
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:
I have been working on my credit report every year. Each year I have had fraudulent activities and I have been submitting a police report, highlighting the items that do not belong to me, requesting all personal identifiers, addresses, and company information that does not belong to me be removed. I have made all of the necessary changes in that each credit bureau gets the proof of what they need. I dispute the items, the items are removed, and a debt collector purchases " my so-called debt '' and it is again put back on my credit report. I have called each agency including XXXX about suppressing my information and without my written consent should not allow these data furnishers to add information or not to provide incorrect information to my credit report. XXXX, XXXX, TransUnion, and 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 2016-06-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan originated XX/XX/XXXX. At that time I was advised by my lender that once my home reached a certain value and my loan was deemed less than XXXX % of the value I could have my mortgage insurance removed/cancelled. In XX/XX/XXXX due to home values increasing I contacted Wells Fargo to inquire about having my mortgage insurance removed/cancelled, they stated to me I had to wait until the loan was XXXX XXXX XXXX which would be XXXX XXXX. Well XX/XX/XXXX I contacted Wells Fargo. They stated that I reached the 5 years but my loan principle had to be $ XXXX. I asked them where they got that figure considering my home value has increased and they could not give me an answer. I spoke with several other parties including a real estate attorney and other mortgage professionals whom stated that Wells Fargo should be advising that I can order an appraisal to show that my value has increased and that my loan was under the 80 % requirement. I reached out to Wells Fargo again on XX/XX/XXXX and they stated they would mail me information on how to get my mortgage insurance removed. It is now XX/XX/XXXX and I have not received this letter. Additionally I pay {$170.00} per month for mortgage insurance. Based on my home value and reaching my 5 year requirement I should have had this removed by XX/XX/XXXX first 's payment. I have paid a total of {$520.00} in Mortgage Insurance premiums that are not necessary as my principle balance on my loan is well below the 80 % requirement. Please help in getting this resolved. Wells Fargo likes to offer me to refinance but WHY would I add years to my loan when they can simply remove my mortgage insurance.

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 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'd like to file a complaint against TransUnion for violating section XXXX Of the FCRA. On XXXX XXXX, 2016, I filed a complaint with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent XXXX TransUnion and all the data furnishers listed below the required letters & I have not received anything from any of the companies. I 've further sent TransUnion request to remove these items for lack of response & they 'd ignored my requests to remove the tradelines which I know are inaccurate. TransUnion is now violating section XXXX, XXXX & XXXX & I 'd like these accounts removed immediately. I 've attached all correspondence for your internal investigation.

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 2022-11-19
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
BlockFi stopped all withdrawals due to their involvement in the XXXX debacle on XX/XX/2022. BlockFi have kept their costumers in the dark regarding what is being done with their assets ( are they still there? Have they been sold off?, etc. ) Tried to withdraw my assets and are currently " pending ''. Nothing has been done to keep us informed of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: ACIMA CREDIT, LLC
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:
ACIMA DIGITAL FKA SIMP did not give an initial nor annual notice nor disclosure that I had a right to opt out. The Gramm-Leach Bliley-Act states I have a right to not have my non public personal information shared especially resulting from transactions such as Collections pursuant to 15 U.S.C 6809 ( 4 ) ( A ) .Acima Digital FKA SIMP, its partners and affiliates that I am now opting out from my non public personal information being shared with nonaffiliated third parties such as XXXX, XXXX, XXXX and any other credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
My wife and I recently sent the attached follow-up letter to Trans Union. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.

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 2016-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
MY XXXX ACCOUNT IS PAID IN FULL PLEASE REMOVED FROM MY HARD CREDIT INQUIRY 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 2023-03-28
Company: Experian Information Solutions Inc.
State: TX
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:
Second Complaint with CFPB *According to : *15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction } *According to 15 usc1681a ( 2 ) ( B ) : The consumer report does not include Authorizations or approvals of specific extensions of credit. Any loan or Credit Card reporting to my consumer report is a " specific extension of credit ''.

None of these laws have been obeyed. This is not a dispute for verification. It's a dispute of breaking the law. My rights have been violated.

*The Privacy Act of 1974 : prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.

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 2022-11-19
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried to withdrawal my funds from my wallet from Blockfi XX/XX/2022. Status has been showing " pending ''. They are not responding to any calls. I was supposed receive my funds XX/XX/2022 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Account information incorrect

Complaint:
XXXXXXXX XXXX  incorrectly reported a 30 day late payment on my credit card. I went to a XXXX branch and the bank manager opened an investigation. I then received a letter from XXXX that the information was reported in error and they would update the information with XXXX, Equifax and XXXX. They never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited {$720000.00} in my wife 's account at Wells Fargo Bank. The funds cleared my account in Wells Fargo Bank. After several weeks the bank unlawfully took the funds out of my wife 's account, which was a joint account.This turned out to be our life 's savings. 
Later the bank claimed that the funds in my account were there by bank mistake, but I never received any notice of dishonor any kind on any of the deposits. It is against Federal Banking Law to remove funds without a dishonor notice.If the XXXX had been deposited in another bank we would have our money because they could not have simply removed it.

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 2023-03-28
Company: Affirm Holdings, Inc
State: PA
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 contacted affirm inc several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. affirm inc received a tax deduction for this charged off accounts : XXXX but i never received my 1099c form this is tax fraud affirm inc has committed XXXX this account is inaccurately being reported to XXXX. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by affirm inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: SLM CORPORATION
State: SC
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 HAVE DISPUTED THE BALANCE WITH BOTH SALLIE MAE AND XXXX BUT THEY JUST BLAME THE OTHER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
For every day in which I am unable to utilitze the online service to file a dispute with Experian Credit Monitoring Service, I will be submitting a complaint. On XXXX XXXX, 2016, I received an email from Experian Credit Monitoring Services indicating a change to my credit report. I logged into this service, in which I am paying a fee for each month, and attempted to dispute the information that has been reported to the credit bureau ( s ) as per Experian Credit Monitoring Service ; however, when I attempted to do so, I received a notification online indicating that I am not allowed to submit a dispute online, and that a reason can not be provided to me. Two documents have been attached to this complaint submission, one document showing the email notification I received from Experian Credit Monitoring Service, and the second attachment is the notification I receive when I attempt to dispute the information reflected in my account with Experian Monitoring Services.

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 2016-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I get close to paying debt off they take it to court tack on another 2000 in fees I will never get this paid off at this rate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I found a gift card issued by www.giftcardmall.com expiring in XX/XX/2024 Out of 16 digit Visa / Debit card number on front of the card, only nine of them are legible. On the back of the card, the 19 digit number & the security code are all legible. 
Called the gift card company @ XXXX and opened a case XXXX, they asked for my phone number, email, home address, copy of my driver license and copies of front and back of the card and the purchase receipt. 
.I don't even remember who gave me the gift card, so I wrote them back letting them know, that I can not find the purchase receipt. 
They emailed me back, to let me know unless I found and give them a copy of the purchase receipt for the card, they will not be able to give me a replacement card. 

Wanted to see & check if there is a remedy to this situation and any way to stop the gift card company 's unscrupulous practice?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I also requested that they cease and desist all collection activity, including credit reporting. I ask them to delete any and all reporting made to any consumer reporting agencies. They failed to address my very specific legal requests and are in clear violation of the FDCPA. 

They failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested they sent me a monthy statment and a monthly statements is not a contract or agreement and are nonresponsive to my verification request.

Company response to consumer: Closed with non-monetary relief