BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My credit score went down XXXX points on XX/XX/XXXX for no reason. I need someone to investigate this as it is unfair and unjust. Only thing I can see is the high balance from XXXX XXXX  states a balance of {$5000.00} from XXXX to XXXX and that is not the case as I only owe {$230.00} and made payments monthly.

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 2022-04-15
Company: Entrata Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was told by XXXX XXXX XXXX oh that I had a freeze on my credit but too that they pulled my credit somehow to deny me credit but sent me a link for a one time unfreeze of credit through XXXX but it did not verify my information as I have used 3 oh different zip codes in the last calendar year but not sure which one they were asking for to verify my identity. So uh it denied unfreezing my credit. Tried to login to my XXXX  account but it was deleted again second time so called their phone but no one live to talk to so uh sent a message uh to XXXX account of theirs for XXXX they responded oh with asking my vital info but oh hey I have a Cyber Stalker so uh it os compromised but they have not responded and uh my credit still locked with them THE APARTMENTS XXXX XXXX XXXXXXXX REFUSED TO USE XXXX where I had unfrozen my credit and too probably at XXXX as well in XXXX but not at XXXX then but did last week or this week unfroze it at XXXX but oh still frozen at XXXX and no assistance in unfreezing it so I can apply for an apartment living in a hotel is uh unsafe but too uh costly. Oh living here because of divorce and no uh job for many years after kids born uh just raised them as full time mother as per my husband my wishes. Do only locked at XXXX but not okay huh with XXXX XXXX XXXXXXXX using a different uh credit reporting agency he cited Fair Housing saying it would be against that law to use XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: SYNCHRONY FINANCIAL
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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: EQUIFAX, INC.
State: TX
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I signed a refi on my property via a broker and XXXX witnesses at XXXX XXXX XXXX XXXX of XXXX XXXX to be picked up with XXXX XXXX due to machine problems Picked up check/over XXXX missing told credit score and 30 mins before closing received call from agenct stating credit score slipped more in interest. Demanded closing dics again machine problems, Docs TO BE MAILED. 
Never received copy of XXXX mortgage or closing Documents/ Finally told ALL DOCS LOST IN HURRICANE WILMA On XX/XX/XXXX a {$160000.00} mortgage closing took place at XXXX  XXXX XXXX XXXX XXXX XXXX without XXXX XXXX XXXX, comscent and authorization of any kind. The same notary on the XX/XX/XXXX mortgage is the same notary on the Fraudulent XXXX mortgage. Also present at this XXXX closing was a witness who also participated in the XXXX closing. All done via IDENTITY THEFT I have documents that spell out " A SCHEME TO DEFRAUD '' On XX/XX/XXXX I found out the truth and upon further inspection of the clerk of XXXX XXXX XXXX found the following facts a, Discovered a XXXX {$130000.00} Mortgage electronically filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Phone call to XXXX XXXX XXXX who forwarded an an unsigned settlement statement d, Found {$11000.00} theft in XXXX mortgage e. Electronic filing of a fraudulent mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX f.After too many calls to Town & Country was able to bring the XXXX closing Documents safe RETURN from XXXX XXXX ALL XXXX pages. 
g.Confirmation of the XXXX mortgage THRFT was confirmed witg a signed settlement statement that dame back from XXXX XXXX. 
And all done with DELIBERATE DECEPTION OF DOCUMENTATIONs. 
Was I Profiled?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I contacted Medical Data Systems and requested validation of 2 account s they are reporting against me and provided current contact information. On XX/XX/XXXX I contacted them again with a copy of the first letter and reminded them that the 30 days they had to validate the debt was nearing expiration. To date Medical Data Systems has failed to provide validation of the debts that Medical Data Systems ( not the original creditor ) is reporting against me, and they continue to report these debts to credit reporting agencies.

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 2019-03-18
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi, I sent payment to LoanCare Mortgage via my XXXX XXXX on XX/XX/XXXX incorrectly. My mortgage with LoanCare was closed in XXXX. I was supposed to make the payment to XXXX XXXX. I called LoanCare Mortgage on XX/XX/XXXX to inquire about the payment and spoke with XXXX. She indicated the payment would have been " rejected '' and to call my bank. I spoke with XXXX on XX/XX/XXXX who indicated it was an electronic transfer of funds and the electronic transmission was successful indicating LoanCare received the payment on XX/XX/XXXX. I attempted to contact LoanCare Mortage again and was on hold for 12 minutes before speaking with XXXX. She is indicating the payment was not received.

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: EQUIFAX, INC.
State: NJ
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:
The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
USDOE/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
XXXX is reporting inaccurate Names addresses as well as multiple account that I have disputed. As well they are allowing inquiries from XXXX XXXX and and other without any authorization. All credit bureaus are reporting and damaging my consumer report and my life. I do not understand why no one is protecting me ....

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 2022-02-08
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:
XXXX XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX, XXXX, AND EQUIFAX. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNTS STATING THE INFORMATION WAS CHARGED OFF. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND IT SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. JUST BECAUSE XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX, sent a letter regarding inaccurate, unverifiable and unknown items on my credit report on XX/XX/2021. To date, it is 60 days later and I have not received a response yet. I am now beginning to feel like my disputes are being ignored and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Ameritech Financial
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ameritech Financial Act # XXXX This company fraudulently told me they were a loan payment and reduction and forgiveness program. They told me over 25 years of making 119 payments my loan would be completely forgiven. After receiving a letter from the federal trade commission, I followed up with Ameritech financial. They stated they were not making payments to the loan institution and I could not get my money back. 

.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a purchase on my Sportsman 's Warehouse card ( Comenity Capital Bank ). I had previously had my account setup for automatic payments of the full statement balance. Roughly two weeks prior to my payment, I cancelled the automatic payment, receiving email confirmation that it was in fact cancelled and that a payment would not be withdrawn. I then setup a new automatic payment of {$400.00} per cycle. I also received email confirmation of this. Forward to my payment date of XX/XX/30 and a payment of {$1100.00} is instead taken via ACH from my checking account. I notify them immediately and am told they will take care of it. After a week, nothing is done and I called back. I was told that it can take 14-21 business days for them to credit back the money they removed from my account without authorization. I was told that a " system error '' caused this. I asked to be compensated for the issue and the theft of nearly {$750.00} from my checking account. To date they have refused to do so. I have asked for a call from their " refund '' department and have had no return contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX XXXX XXXX ) are reporting a account that does not belong to me! 

I called XXXX XXXX and spoke with representative " XXXX '' on XX/XX/23 " XXXX '' could not find where I owed for this account. XXXX 's direct phone number is XXXX. 

XXXX XXXX are violating my rights under the credit laws. please delete 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 non-monetary relief
Consumer complaint received 2019-03-18
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 fraud alerts or security freezes

Complaint:
Transunion Credit WITHOUT my permission put a FRAUD alert on the TRANSUNION CREDIT AGENCY. I requested removal of report -- -- - I did not authorize any FRAUD report. Please remove.

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: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Today, XX/XX/23 Paypal refused to close my account with no outstanding transactions & XXXX balance. Fraudulent excuses range from unauthorized monitoring of unrelated completed purchases, phony charges, & my personal favorite, " computer system glitch ''. Give me a break. This proves data mishandling & unlawful monitoring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XX/XX/2022, Paypal incorrectly identified me as a seller and tried to collect my social security number. After speaking to customer service over and over again, I clarified that I am not a seller, it did not lead to any resolution. When I refused to hand them this information, they decided to limit my account but did not let me delete my account because they linked my account to " XXXX '' ( recently acquired by paypal ). 

As a consumer, I had no way to delete an account with my banking information and credit card linked to my Paypal account because Paypal decided to use information across accounts without my consent. Since then, they have permanently limited my account and refuse to delete my account and " promising me that my data is safe ''. 

Paypal 's monopoly through its own fintech offering as well Venmo and XXXX should not go unanswered. As a result of my poor experience, I would like to completely stop doing business with Paypal but I can't do so if they also control my other payment alternative - Venmo. 

They not only have a monopoly on payments, they also have a monopoly on consumer 's financial data. After reading Paypal 's reviews on the XXXX website, I'm convinced that their unscrupulous actions have impacted many other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/2022 I sent out a letter to the credit bureau Equifax asking them to investigate my account to make sure my account was XXXX XXXX  accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I seen that my account status was updated.The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate XXXX XXXX XXXX, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. On XX/XX/2022 I reported the claim to cfbp and Equifax responded back XX/XX/2022 saying how they will fixed the issue. On XX/XX/2022 the investigation was complete on XX/XX/2022 they said everything is a XXXX XXXX  accurate. I am very confused at this point because the same problems are still showing on the account inaccurate account types, inaccurate date opened, inaccurate XXXX XXXX XXXX, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. Now all this cant be accurate the accounts appear to be furnished by the same creditor why reporting data different. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so.This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions. 
Another thing is this issue has been on going with not type of result at all it has been damaging to my credit with inaccurate information.I have been trying to dispute many accounts with them for a while now and keep ending up with the same results with not having a proper investigation.I havent received my updated credit report in the mail either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12
Company: EQUIFAX, 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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$71.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief