BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my several endeavors to tell credit bureaus 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX CREDIT XXXX XX/XX/2023.

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 2023-08-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX, XXXX  I tried to set up an online account to log into EQUIFAX. But, EQUIFAX REJECTED ME ; BECAUSE I DON'T HAVE A MOBILE DEVICE and can not enter a mobile phone # into online setup page of EQUIFAX. I called EQUIFAX foreign based customer service XXXX. Man tried to setup online A/C. But, EQUIFAX online system REFUSED to setup an online EQUIFAX A/C so I could log into my EQUIFAX credit info. Again, EQUIFAX IS DEMANDING A MOBILE DEVICE PHONE #!! 

NO ONE SHOULD BE FORCED TO USE A TINY MOBILE DEVICE TO DO ANYTHING!!! TINY mobile device is difficult to see, hold, use, popups all the time, ads galore, have to scroll all around screen to resize & see something, difficult to connect to a printer, difficult to scan & save info. ; and WHY SHOULD WE HAVE TO PAY FOR NEW PHONE EVERY FEW YEARS AND PAY EXPENSIVE DATA RATES TO MAKE EQUIFAX HAPPY?! 

EQUIFAX IS THE ONLY ONLINE BUSINESS I KNOW OF THAT FORCES PEOPLE TO USE TINY, CUMBERSON, MOBILE DEVICE TO LOG INTO AN A/C! AND, IS NOT A GOOD ALTERNATIVE BECAUSE CALLING TO CUSTOMER SERVICE IS A BIG HASSLE AND I CAN NOT READ THE DETAILS OF WHAT IS IN MY CREDIT REPORT. 

Equifax really wants mobile device phone number to track people, sell to business & provide to governments, share with XXXX et al. EQUIFAX wants to MAKE MONEY OFF a MOBIE DEVICE that I WOULD HAVE TO PAY FOR, ALSO!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Account information incorrect

Complaint:
XXXX, XXXX, EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-23
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX I called Roundpoint mortgage company to discuss the ongoing issue with my escrow accounts. I had received a call from a representative earlier that day or possibly the day before stating for me to call them. I I was told that the representative only called to inform me that they were working on the issue they provided no additional details. The representative in the call on XX/XX/XXXX asked me what the issue was. I explain the issue with the escrow account that is the subject of my other pending complaint with the CFPB for Roundpoint mortgage. At that time she informed me that my escrow was - {$400.00}. She explained that this was approximately two months worth of PMI payments. I explained that the PMI on my account had been removed as of XX/XX/2023, she told me this must have been the remaining from the PMI Advanced payments. She stated on this call for me to pay {$400.00} and then the escrow would be positive and she could simply request the escrow be removed from the account. I made the payment for {$400.00} that day. Today is XX/XX/XXXX and I checked my online account and I noticed that this payment has been misapplied. The payment has been applied to the principal balance which is not what was discussed during the recorded call on XX/XX/XXXX. It is my belief this was purposefully done to prevent the escrow from becoming positive, thereby, allowing for it to be removed from the account. 

My principal and interest payment is approximately {$2200.00} however, due to all of the mishaps with the escrow that are the subject of my other pending complaint they have me paying {$3300.00} a month. Each time the representative informed me an amount needs to be paid to remove the escrow I pay it like the XXXX and the {$400.00} but I am still waiting on a resolution to my prior CFPB complaint in for my payments to be applied properly. This is all an attempt to prevent the removal of the escrow account.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX 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 2023-10-12
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Placed an order with XXXX for the first time XX/XX/XXXX and my order never showed up, treied contacting the carrier and merchant that same day and got absolutely no help. Attached is proving that the merchant XXXX XXXX has never attempted to contact me regarding my order after I tried multiple times to get in contact with someone. I emailed them via their chat system multiple times and all I received back was an automated email saying " Thank you for your message ''. The next attached picture shows you my inbox from when I filter only messages from XXXX XXXX, as you can see every message from them is a generic automatic email but nothing shows them ever attempting to contact me. The message from XX/XX/XXXX is the first screenshot I provided. Next screen shot shows you they have absolutely no phone number for customer service, email only. Now the next screenshot is showing all of the multiple times I have gone on their chat/email and tried to notify them of what was going on, once again generic automatic message with no follow up. Call a location in Florida and they can't help with online orders. 
This company has no reviews for their online website anywhere to be found and is not accredited business on XXXX  where I filed a separate complaint. At this point I feel like their website is a SCAM because how do you have 0 customer service for expensive items as such? Hoping this can help get things resolved, it is now the year XXXX and this company still has no form of contact for online orders so Im just stuck with a debt between XXXXTrueAccord.com they just bounce me around and provide no help, just want me to pay for a product that was never delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
ONE MAIN FINANCIAL- XXXX IL Gave initial loan for {$7000.00} roughly. Through a multitude of years I have paid back over XXXX and their claim is I have paid -3 %. Out of the total balance. I would like to report this as theft and complete predatory lending. This is all after having multiple customer service and payment issues such as automatic payments, that lead to a forced refinance and increased APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I set up payment plan with XXXX XXXX XXXX XXXX in XX/XX/2019. When I spoke to someone at first they said that they report on your credit but on all my credit reports they were never listed. On XX/XX/XXXX I get notifications that a new line of credit was opened with a collection company. When I called they said I was looking at my credit report wrong and that paying the debt with them will actually help my credit when really it has hurt it drastically.

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 2023-10-12
Company: OneMain Finance Corporation
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ONEMAIN account # XXXX 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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Albert Corporation
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Albert took money from me XX/XX/XXXX of {$160.00} said that they were going to give it back to me on XX/XX/XXXX then changed it to XX/XX/XXXX and now I am still fighting with them to get my money back. Theyre trying to tell me that they can not put it back into my bank account that I have to wait for a check or I have to wait for them to put it into a different account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - Original creditor : XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2021-10-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX. my complain is Paypal close my account for no reason, I work well for that money and then close it just like that. if you could help me access that account again that would be so much help to me and my family. this is my Email Adress XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: ENOVA INTERNATIONAL, INC.
State: AZ
Product: Credit reporting 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 was out of town for awhile with no service for hunt, i get back to town and find theres a inquiry on my report from a company i have never heard of and have no association with.Inquiry was reported on XX/XX/2023. I didnt see it till XX/XX/2023. I looked into the company and its a loan company. I worry that someone has my information and is trying to get a loan under my name and crash my credit score. I talked to my bank and got fraud alert set up now for my report. They recommended i get ahold of XXXX  XXXX  which i did and they said to get a report from you and they will take care of the inquiry on my report. Company name is NetCredit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: DE
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 no consent is fraud.

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 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are 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 2019-06-14
Company: M&T BANK CORPORATION
State: DE
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out a {$2000.00} Home Equity Loan with Wilmington Trust now M & T Bank around XXXX. I was paying {$400.00} per month UNTIL I lost my job of 20 years around XX/XX/XXXX. I was unable to make payments due to loss of job and being XXXX due to illness. I eventually won my Social Security XXXX case around XX/XX/XXXX to which I met with a Wilmington Trust official at their XXXX De branch and I brought the loan current according to their figures of {$16000.00} to which I have the original check that I am providing a copy of. Unbeknownst to me, Wilmington Trust filed a Default Judgement against me just 2 weeks later on XX/XX/XXXX for {$8500.00} to which I was not aware of until I tried to refinance my home mortgage with another lender in XXXX. I SUBSEQUENTLY PAID THE {$8500.00} TO REMOVE THE LIEN AND JUDGEMENT AGAINST ME ON XX/XX/XXXX. THERE SHOULD NOT HAVE BEEN A JUDGEMENT AGAINST ME WHEN I PAID THE {$16000.00} ACCORDING TO THE BANKS OFFICIAL FIGURES TO BRING THE LOAN CURRENT ON XX/XX/XXXX. WILMINGTON TRUST FILED THE JUDGEMENT AGAINST ME JUST 2 WEEKS AFTER I BROUGHT THE LOAN CURRENT ON XX/XX/XXXX, XXXX!!!!!!! I also completely paid off the loan through Chapter XXXX Bankruptcy Plan through XXXX XXXX XXXX TRUSTEE on 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 monetary relief
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
My COVID-19 emergency relief check in the amount of {$1400.00} was credited to my bank account on XX/XX/2021. The XXXX sent a tax lien for {$620.00} to the bank on XX/XX/2021. On XX/XX/2021, the bank deducted {$380.00} from the COVID-19 funds to send to the XXXX XXXX XXXX. 

On Saturday, XX/XX/2021, I got a letter from the tax department [ Notice of Tax Lien ] indicating they had issued the lien to my bank. On the letter sent by the tax department it states the following in bold letters. " Certain funds are exempt from lie, to include COVID-19 funds. '' I contacted my bank and told them that they needed to refund the amount deducted minus the amount that was in the account before the {$1400.00} was credited. After a back and forth to XXXX, XXXX and XXXX, the bank said that this is the third disbursement of COVID funds, and there was no language in the legislation exempting these funds. 

My position is COVID relief funds from the federal government is just that : COVID-19 reflief funds. The tax department on its Notice of Tax Liend and Demand for Payment specifically recognized that the government was sending out COVID-19 relief funds and exempted those funds from the being deducted to satisfy the lien. So, the issue is not with the tax department ; the issue is with TD Bank, XXXX. XXXX XXXX, XXXX XXXX, New Jersey XXXX. 

I know that the President and the Congress said with regards to the nature, substance, and characterization of the {$1400.00} checks to Americans. If we want to be really technical, if the bank 's position is that the legislation did not exempt those funds, my position is that there also is not language to authorize application of these funds to satisfy the tax lien in the face of the Lien holder 's specific language to EXEMPT COVID-19 RELIEF FUNDS from being used pursuant to the issuance of the Notice of Lien.

TD bank needs to refund my money.

Company response to consumer: Closed with monetary relief