BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: Brennan & Clark, Ltd., LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They would not tell me who they were. They would not provide any information about my debt and said it wasnt their problem and they didnt represent me. They would not tell me if they were a licensed attorney or licensed debt collection agency and are using an email address that leads to an attorney/debt collection website. At no time did they ever say it was an attempt to collect a debt. I have all communication records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
PAYPAL, THE THING IS I VE BEEN TRYING TO GET OUT OF THERE XXXX SOMEHOW ONE MINUTES IT WAS LOOKING GOOD EVERY THING GOOD ALL THAT THEN IT CRASHES, EVERYTHING JUST STOPPED NO CALLS NO ANSWERS, SO I XXXX CALL THEM I WAS POLITE AND SO WAS SHE, ACTUALLY THE LADY GAVE ME HOPE I, SO THAT WAS A WEEK A GO, XXXX LONGER, SO I DID WHAT SHETOLD ME TO DO, ANY INFO THEY WANT THEY CAN HAVE, XXXX DOWNLOADED 100 % EVERYTHING DURING MY CAMPAINS I HAD A LOT OF VEIWERS XXXX MORE SOMETIMES, CHANNEL WAS DOING GOOD, ITS STILL DOING GOOD BUT MY TIME I PUT ON IS LESS BECAUSE I HAVE XXXX DOLLARS SOMEWHERE AND EITHER I DONT NO SOME XXXX KNOWS I DO APRECIATE YOUR HELP ON THIS BECAUSE ITS A PUZZLE IAM IN I JUST WANTED TO GET PAID YOU KNOW NEXT THING XXXX HAVE ME IN A WORKSHOP LOOKING FOR A VARIANT XXXX XXXX BACKS ME UP 100 % JUST I HAVE NOTHING AGAINST THEM, FROM WHAT I HEARD PAYPAL WAS A GOOD PLACE TO GET YOUR MONEY TRANSFERED, SO IAM STILL LOST FOR WORDS I CAN SEE THE LETTER IS GETTING LONG, HOPEFULLY THIS WILL GET SOMETHING GOING THANKS BYE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company inaccurately used my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX  located at XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX sent me to collections with XXXX XXXX XXXX  for {$17000.00} without explanation. We moved out XX/XX/2021. We did not break lease and cleaned apartment before leaving. They have no list, or letter on why they charged this. Called company and they give no reason. This amount is more than a years worth of rent at this property which was income based and HUD. Ruined my credit with no explanation. XXXX XXXX was also the main person listed on lease. Again, company gives no letter, warning or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: FL
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 noticed on my XXXX report there are inquiries that I don't recognize. I did not apply for anything in XXXX! Must be FRAUD!! I contacted the below creditors and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. Unauthorized inquiries listed below... 

XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I called the company out to explain the terms and conditions and they treated me unfairly miss lead. let me by giving me false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: CA
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 found inaccuracies in my personal information on my credit report. I have already reached out to the credit bureaus to remove the inaccurate information and they have not replied with status of the investigation or any other update. Per, 15 USC Subchapter III 1681 ( i ), the credit bureaus are to let me know within 5 business days that they are investigating the inaccuracies. Below are the inaccuracies that are to be removed : Names XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Date of birth : XXXX. XXXX Addresses : XXXX. XXXX XXXX CT XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX, APT XXXX, XXXX XXXX, CA XXXX Employers : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2022-07-28
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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

Complaint:
In XX/XX/2023- I made complaint to this credit agency regarding INACCURATE AND INCORRECT information being reported on the consumer report WITHOUT MY PERMISSION. 

XXXX. XXXX XXXX is being reported as a delinquent account without my permission - violation of 15 USC 1681 ( b ) - the account is NOT in delinquency. SHOULD BE UPDATED TO REFLECT AS PAID or REMOVED IMMEDIATELY. 

XXXX. All DEPARTMENT OF EDUCATIONXXXX are still reporting late payments! This is FALSE AND INACCURATE. Both XXXX and Experian do NOT report such inaccuracies as the accounts are PAID. Experian needs to CORRECT THE REPORTING FOR ALL STUDENT LOAN ACCOUNTS to reflect its status as PAID! There are NO late payments. ( see attached evidence of the reporting shown via XXXX and XXXX. ) XXXX. There is a COLLECTION account that was previously removed that is now being again reported to the consumer account! THIS IS FALSE AND INACCURATE information! - XXXX XXXX XXXX is being reported as a {$130.00} past due which is FALSE! This issue was already reported as being inaccurate and incorrect by the apartment complex directly ( please see attached email proof ) // THIS ACCOUNT IS ALSO REFLECTING A COMPLETELY DIFFERENT DEBT COLLECTOR FROM THE PREVIOUS. False and inaccurate all around - REMOVE THIS ITEM IMMEDIATELY. 

XXXX. The identifying information being reported is false and inaccurate. REMOVE THE FOLLOWING ADDRESSES IMMEDIATELY : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THE FOLLOWING EMPLOYERS ( INACCURATE ) - XXXX XXXX - XXXX XXXX XXXX THESE INACCURACIES AND FALSE MISREPRESENTATIONS BEING REPORTED BY SUCH AN ELABORATE MECHANISM ( CREDIT AGENCY ) ARE ADVERSELY AFFECTING MY PURSUIT OF HAPPINESS IN OBTAINING CREDIT AND LIVLIHOOD. 

CORRECT THE ISSUES IMMEDIATELY.

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: Flagstar Bank, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, XXXX, and the XXXX of XXXX numerous hrs and days I have spent calling Flagstar trying to get the information to pay off my forbearance. I had no idea by getting a forbearance there would be a lien placed on my home. I had my banker on the phone also and no one could find the loan, but there is a lien on my home until it's paid. Apparently, this has happened before with my banker who also banked with Flagstar. So, I know this can be handled correctly I would like to know what can Flagstar do to help me fix this problem. Today the 22nd I'm being told I can't pay the forbearance off to take the lien off until the whole principle of the loan is paid. As I type this, the time on my phone for holding is now at 21 minutes.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: NJ
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-07-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX To Whom it May Concern My Identity has been stolen from XXXX of XXXX till Spring of XXXX. I was currently living in XXXX California at the address stated above. 

I have a couple reasons to back up my claims this is an identity theft fraud : 1. There have been MULTIPLE frauds Ive had to overturn on my account since XXXX of XXXX. 
2. I reived a letter from XXXX XXXX that my data had been stolen, including my social security number. The theives have used my old address XXXX XXXX XXXX XXXX, XXXX CA XXXX which I have not lived at since XXXX of XXXX. You will see my original application, lease agreement, and notice to vacate attached to this document. 
2. There are major holes in their claims because they used an old address that I no longer use. It just happens to be on my driver 's license still which I have NOT updated since I moved in XXXX of XXXX. 
3. What's more? They took out these lines of credit in these apartment buildings states Ive never been to and places Ive never been to. 
5. Ive created a credit fraud alert to the credit bureau and I have frozen my credit. 

THESE ARE THE FRAUDULENT ACCOUNTS : COLUMBIA DEBT RECOVERY {$1500.00} XXXX XXXX AMOUNT UNKNOWN Ive attached all the copies of police report, notice to vacate the XXXX address, income statements mailed to XXXX address stated above ( I rent so I do not pay utilities personally ), copy of my drivers license which has not been updated since I moved out of XXXX ( primarily because of COVID and I havent gotten around to it. ), and the signatures of the cop who filed my police report. 

Please let me know if I can assist you in this matter further. I had a near perfect credit score before this ( almost an XXXX ) and I would very much like my credit score to be reinstated to its rightful score and have these fraud claims overturned. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 3rd time we've had to deal with this same issue, they keep selling this debt claim to other collection agencies. THIS IS NOT OUR DEBT. We've had 2 claims already filed showing this is not our debt. Every 6 to 8 months it appears they try another collection agency. I've attached our last complaint, in which that collection and the prior agency agreed it was not our debt. 

This new collection agency - Enhanced Recovery # XXXX. The number they left is XXXX. XXXX it is an XXXX collection. We had XXXX & XXXX years ago and they even show we had a credit when we left their service. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, XXXX XXXX the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from XXXX XXXX XXXX XXXX this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
Hello, In 2019, I purchased XXXX money orders. The money orders have not been used and I have the receipts. I contacted Money Gram to return the money orders for a cash refund. Money gram basically said that even though the money orders have not been used, that the money orders have no value now because MoneyGram has deducted the full face amount as fees. 

Money Orders : XXXX. {$50.00} XXXX XXXX. {$20.00} XXXX XXXX. {$75.00} XXXX I believe that this is stealing from me, the consumer. I am making this compaint because consumers should have more time to return their monty orders, especially since the XXXX XXXX. MoneyGram has made no concessions for consumers due to XXXX I was sick and could not use the money orders in time, I am just coming back toeing able to handle my affairs and returning these money orders was something that I needed to do. 

This services as a formal complaint, I want a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The XXXX XXXX fraudulently charged my Suntrust debit card in XX/XX/2018. I reported this to Suntrust. Suntrust reversed the charges, did an investigation, and without any evidence decided to undo the reversal of changes of approximately {$1000.00}. This caused a cascading amount of overdraft charges due to this unanticipated chargeback of the fraudulent charge. I contacted Suntrust numerous times to straighten this out and Suntrust refused to provide evidence that the charge was nonfraudulent or resolve this issue. I knew the charge was fraudulent because I did not charge it and did not authorize it. As a result of this incident, Suntrust put me in XXXX. I contacted XXXX XXXX recently after being notified Suntrust had noted this in the XXXX and explained that this was the result of fraud. Despite this XXXX did not remove this entry.

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 2022-07-02
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX and a Torrid card, both through Comenity. I had been trying to check my balance and pay my cards on the site for a week and keep getting errors or reports of glitches and unable to login for both card sites. I complained on twitter and they advised to call the number on the card to pay, but the automated numbers just hang up on you and tell you to call back later. This has also been going on over multiple days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
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: Reporting company used your report improperly

Complaint:
THE COMPANY BELOW HAS VIOLATED MY RIGHTS 15USC 1681s, 15USC 1681a and 12cfr 1006.34 XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX I ALSO HAVE SEVERAL INQUIRES BELOW THAT ARE IN VIOLATIONS AS WELL AND SOME ARE UNAUTHORIZE XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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: OPORTUN FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I sent the complaint and supporting documents to this CFPB via U.S. Post Office on XX/XX/2022. I have tracking information for that mail indicating it came to this office.

Company response to consumer: Closed with explanation