BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2017-05-24
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I no longer accept the terms of agreement governing the account under PayPal account with the username XXXX. <P/>This is a individual tax payer, single beneficial owner account that was inadvertently upgraded to business account. On multiple, documented, occasions I have requested a downgrade to a simple XXXX personal transaction processing account. <P/>Subsequently, this business account has been limited. I am no longer able to : send money withdraw money from my account close my account remove a card remove a bank account I have sent communications in regards to this issue with no reply. In addition, I have spent several hours on the phone explaining the issue multiple times with multiple customer support representatives. <P/>I spoke directly with XXXX XXXX, manager in customer support and fraud, on XX/XX/XXXX. I explained this lingering issue once more and that it had been ongoing for more than a month. <P/>On XX/XX/XXXX, I contacted customer support again and spoke with XXXX ( Emp. ID # XXXX ).  He indicated that XXXX did open a ticket - # XXXX but there has been no resolution from compliance. <P/>During the phone calls with customer support, I advised that I would allow an additional 24 hours before contacting the ( Audit, Risk, Compliance ) ARC committee of the board, and filing a complaint with the Consumer Financial Protection Bureau. <P/>Unfortunately, this letter is the documentation and confirmation that the status on my account has not changed. <P/>In additional to this communication, I am not opposed to taking additional steps to bring this issue to the attention of the media, my congressional representation, the California State Attorney General, the Illinois State Attorney General, the Federal Reserve Board ( FRB ),  and the Securities and Exchanges Commission ( SEC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been denied opening a bank account due to incorrect information that Certegy continues to send to Chex systems and other check writing agencies. The following banks have refused to open an account in my name. Bank of the XXXX, XXXX XXXX, XXXX XXXX due to the inaccurate information they continue to send. I have contacted them and they have refused to clean up their error. I have also not been able to cash checks at XXXX due to this error.

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 2015-09-14
Company: Novea Portfolio Management LLC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this XXXX debt is not mine.

Company response to consumer: Closed
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 account 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/block any account 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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/1997 Balance : {$0.00} 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 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. The information listed 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.

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 2020-07-18
Company: Bull City Financial 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 am a victim of identity theft. The information listed 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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:
Please assist me in making the credit reporting agencies up hold to the federal law. My rights as a consumer are to at least be able to speak on behalf of my own credit file. The credit reporting agencies sent me a bogus letter in the mail stating they would disregard my original complaint because they believe it is some one else. Just because I know my rights and I know that I am being violated does not mean I need another person 's help. I have late payments appear on accounts. I have accounts that are NOT even mine at all listed and a bunch of other foolishness. I not once gave XXXX, XXXX, or Equifax any type of permission to report or speak on my behalf. I have been stressed and diagnosed with XXXX because of this. They are fraud and they have taken over my identity and in violation of the FCRA and 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: ND
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 am a victim of identity theft and someone stole my personal information to open a checking account with   XXXX   XXXX   XXXX   :  XXXX , the account do n't belong to me. I have disputed this matter with   XXXX   XXXX   numerous times and have sent   XXXX   XXXX   a police report in regards to the fraudulent and unauthorized checking account. I have never had a checking account with   XXXX   XXXX   XXXX  .  DOB  :  XXXX / XXXX /  XXXX  , SSN :  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 2017-08-16
Company: Premier Portfolio Group
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Rep has called me at least 4 times per day with stating that they will take some kind of legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
On XX/XX/2016, I was approved for a {$600.00} payday loan from bigpictureloans.com after receiving a solicitation email from the company. I fully intended to pay back the loan amount, as well as the finance fee of {$210.00}, well before the first payment due date. 

As that date approached, however, I realized that i would not be able to pay off the amount in it 's entirety before the first due date. In an attempt to arrange a later payment in the full amount, I contacted the loan company and was told initially that I could pay 2 weeks later and still only owe a total of {$810.00}. 

Despite this, I was also told that I could not set up a manual payment for that amount, but would be charged the finance fee of {$210.00} on the first payment due date, and that this amount would not be reflected in principal. 

Later in the same phone call I was told that since I had not made a first payment, no late arrangement could be made. I was only given the option to pay early, which of course, I could not do. 

Since then every pay period, the loan company has attempted to write checks against my account, which has put me in dire financial straits. 

To date, I 've paid a total of {$420.00} in finance fees alone as I became aware later that I was being charged a 700 % interest rate on my loan agreement, the details of i can not access on the company website any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: NE
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 requested documentation on the XXXX XXXX Account. XXXX XXXX has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally XXXX sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.

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 2022-04-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, IL 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 XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Admin Recovery, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
There are several concerns that I have about the communication tactics from a representative of Admin Recovery. 

1. On XXXX/XXXX/15, a person by the name of XXXX from Admin Recovery ' made initial contact about a XXXX Bank debt using my spouse 's cell phone number instead of mine. No other contact was made directly to me prior to this phone call on XXXX/XXXX/15. I never released my spouse 's phone number to XXXX Bank nor did I ever give permission to be contacted on my spouse 's cell phone number. I have no idea how my spouse 's phone number was obtained by Admin Recovery. 
2. I briefly spoke with XXXX XXXX on the evening of XXXX/XXXX/15 when he called my husband. He repeatedly asked me to verify my DOB, last four digits of SSN, and/or my address. I refused to verify personal information over the phone because I did not know him nor anything about Admin Recovery. I requested that he send a letter to me instead. In a rude tone, he refused to send a letter and just ended the call with me. 
3. On XXXX/XXXX/15, XXXX XXXX called MY cell phone number this time and left me a voicemail message about said XXXX Bank debt. I returned his phone call on XXXX/XXXX/15. I informed XXXX XXXX of the times when it is convenient for him to reach me by phone. His rude reply was that he does n't work during the times that are convenient for me to be reached. I then requested that a co-worker contact me during those times. He said that was not possible because no one works on Wednesday or Friday nights from XXXX - XXXX XXXX. Then he proceeded to tell me that at this point, I lost my rights to be contacted at a time that 's convenient for me. So basically, I must discuss this matter with him during HIS working hours. 
4. I, again, requested that he send me a letter verifying this debt so that I can be fully informed to respond. 
5. As of today, 10 days after his initial contact with me via my spouse 's phone number instead of mine, I have not received any written communication from Admin Recovery about said XXXX Bank debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had automatic bill pay and payments were accepted for the ( 60 ) day grace period but then after the grace period ended, the payments were no longer being accepted. I never received any correspondence alerting me about these changes. Once I saw the money was still credited to my account I realized what was happening. Upon further investigation I found out the account was sold to XXXX. I immediately contacted XXXX and made the ( 2 ) payments required to get the account back to current. XXXX was also going to defer the ( 2 ) payments so I would be caught up and also they told me they would waive the late fees because of the automatic payment confusion. However, they are still reporting rolling ( 30 ) day lates. I have attached a copy of the XXXX XXXX XXXX payment history for reference. This inaccurate reporting of lates is seriously harming my credit score and these line items need to updated to report NO late payments and report a current status. I have contacted the bureaus and XXXX to remove these lates however, I have not been successful.

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 2022-09-06
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX XXXX : {$1100.00} Date Opened : XX/XX/XXXX, XXXX XXXXXXXX Balance : {$1400.00} Date Opened : 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 2022-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone applied for a credit card from XXXX today and it showed up on my equifax as a hard inquiry.It was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like Diversified Consultants, Inc. to stop all collection activity and close the file for account number XXXX. My intentions is for Diversified Consultants, Inc. to withdraw from any further collection activity on a bad debt that is n't mine to start with. I am demanding that they cease and desist from any future collection activities and not sell this debt to any other debt collection companies. I further demand that Diversified Consultants, Inc. is to NEVER insert this incorrect bad debt onto my credit records ( XXXX, XXXX, and XXXX ). Furthermore, this debt is to never be transferred or resold to any other debt collection companies for any further collection efforts and to stop all collection activity and close the file with account number XXXX. DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Credit Karma, LLC
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Im XX/XX/2022 I filed a dispute with credit karma. I had never received my card in mail. My tax return was loaded onto the card. I received a refund anticipation loan for {$1000.00} abb no then my tax return for {$11000.00} and the only thing I m used the account for was two bank transfers one for {$5000.00} in XX/XX/2022 and another for {$4500.00}. I used the virtual card number on my XXXX XXXX and I used it to pay my gas bill to XXXX  for {$190.00}. On XX/XX/XXXX. I didnt use it again after that. When I went on to my account all the money was gone. But I still hasnt recorded my card so I disputed what I thought was everything besides the transactions I mentioned that I did. The two bank transfers, XXXX, and XXXX. Credit karma only disputed the ATM transactions which they later denied saying regulation e only covers unauthorized electronic purchases. I will attach the letter they provided. Since then I have tried countless times to ask why find out what is going on and how Im responsible for something when I never received my card. They finally filed a dispute on 4 more of the transactions but have yet to file disputes on all of the transactions even after I have sent screen shots to the email they asked. They keep telling me that the dispute was filed but every date they tell is further and further I will attach emails screen shots as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2019 it shows 30 day late by Experian Credit Reporting Agency In accordance with the Fair Credit Reporting act XXXX  of the account mentioned above 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 explanation