BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have XXXX and XXXX. I have reached 120 payments and accounts should show as paid in full. My employer certified my most recent months of employment and XXXX only applied 2 months. XXXX didn't apply XXXX and XXXX in an effort to prevent me from reaching 120 payments. They purposely placed me in a forbearance when I didn't check the box to be placed in forbearance. I contacted XXXX and they advised me I was in repayment however the representative provided false information that I was going to receive a letter that i reached 120 payments. I never received said letter and the only letter I received was that I had 118 payments and 2 didn't qualify. This is unfair and unjust because they are not applying the payments. My payments are {$0.00}. lease update my account status to paid in full so my true account status can be reflected.

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 2023-09-11
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: Account information incorrect

Complaint:
I have called XXXX XXXX and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX automobile. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  were reported to the 3 credit bureaus. Both XXXX XXXX and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that XXXX XXXX was willing to settle and close the lease agreement after the XX/XX/XXXX payment was made.

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 2021-04-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attached correspondence from SPS states, " Unfortunately, the account is ineligible for one or more resolution options or it is ineligible for the option the customer selected. '' Correspondense from SPS shows that SPS has evaluated Borrower for at least one loss mitigation alternative but has failed to evaluate for all loss mitigation options as required under CFR 1024.38 ( b ) ( 2 ) ( v ). 
SPS has failed to evaluate Borrower for all loss mitigation options. A fully completed application has been provided multiple times and SPS rejects application stating it is incomplete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The original debt was with XXXX. The account was opened XX/XX/XXXX, and was purchased by Midland Credit Management/Midland Funding on XX/XX/XXXX. The last payment made to XXXX was XX/XX/XXXX. This debt is beyond the statute of limitations allowable for collection. 

Colorado law states the following : " ( 1 ) The following civil actions, regardless of the theory upon which suit is brought, or against whom suit is brought, shall be commenced within three years after the cause of action accrues, and not thereafter : ( a ) All contract actions, including personal contracts and actions under the 'Uniform Commercial Code ', except as otherwise provided in section 13-80-103.5 ; ( l ) All actions of debt under section 40-30-102, C.R.S.... '' Therefore, Midland Funding is unlawfully pursuing payment for an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have advised TransUnion on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX XXXX. I have never paid the XXXX XXXX   account late, I have never paid the XXXX XXXX  account late, I have never paid the XXXX account late. TransUnion has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte 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 explanation
Consumer complaint received 2018-11-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My XXXX practice suggested Care Credit as a solution for a {$7000.00} XXXX  procedure. I signed up in the office and immediately had the funds available for the procedures. After paying on time every month {$220.00} for a year with my balance looking like {$5000.00}, I received a notice the introductory offer was over and I now owed {$7100.00}. More than I originally agreed and with a new monthly due of over {$430.00}. What???? Nearly {$2000.00} in interest.

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 2023-07-19
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:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: SUN WEST MORTGAGE COMPANY, INC.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We started a loan application on XX/XX/XXXX with Sun West Mortgage Company , Inc. NMLS XXXX. 

The loan officer did not tell us that the company could not make a loan on a property with more than 2 units. Upon learning this we changed the application to our home at XXXX XXXX XXXX, XXXX, WY and sought a partner to complete the purchase. 

On XX/XX/XXXX the loan office made the first loan estimate with the wrong address. ( XXXX XXXX XXXX, the purchase property. ) On XX/XX/XXXX the loan estimate was corrected to XXXX XXXX XXXX. 

On XXXX Sun West put an unlicensed " loan coordinator, '' XXXX XXXX between me and the loan officer, XXXX XXXX, NMLS XXXX. 

All documentation of our finances were submitted by the XXXX of XXXX. 

On XX/XX/XXXX Sun West issued a Closing disclosure with a funding date of XX/XX/XXXX but with their closing agent instead of the one we had selected knowing ours would cost less as a local XXXX XXXX XXXX office. We ask for a correction. 

On XX/XX/XXXX XXXX XXXX, NMLS XXXX Notified me that he had been substituted as my loan officer. 

On XX/XX/XXXX I notified XXXX XXXX that XXXX XXXX kept asking for uploads of our financial documentation that had already been uploaded. XXXX replied, " Yes, XXXX XXXX is your Loan Coordinator. Have a great day! '' ( I believe XXXX XXXX quit because of this addition of XXXX in the mix ) By this time we had extended our closing 3 times and the seller made a hard closing date of XX/XX/XXXX. 

Sun West made an error on the Closing CD to XXXX XXXX XXXX and it had to be returned to Sun West for correction. 

Subsequently, Sun West notified the XXXX XXXX XXXX closing agent that the loan could not be funded until XX/XX/XXXX. 

From the first funding date of XX/XX/XXXX and XX/XX/XXXX there was plenty of time if I had been working with an NMLS loan officer to get this loan to the closing agent with a funding prior to XX/XX/XXXX. 

This stall had the nefarious affect of indicating that a borrower must accept the Sun West closing agent if they want a timely closing on a loan. All borrowers should be informed that Sun West will not say the can not do the loan but will delay to get the word out to Realtors to advise their clients to accept the Sun West closing agent and their nearly double closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear CFPB, Please Help! The XXXX XXXX  XXXX IS FORCING A FORECLOSURE and is REFUSING TO POSTPONE My Foreclosure Sale Date of XX/XX/2019 even though the XXXX XXXX XXXX has APPROVED MY SHORT SALE!! '' In addition to FORCING A FORECLOSURE, XXXX XXXX XXXX is also REFUSING to accept fair market value for a current contract of sale, and Trying to force a buyer to purchase the property above fair market value by scheduling a Foreclosure Sale Date of XX/XX/2019 if buyer does not accept the inflated valuation. 

Thank you for any assistance you can provide regarding my complaint. 

Concerned,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2020-08-16
Company: EQUIFAX, INC.
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:
Equifax is not following the FCRA concerning consumer accounts. My recent credit reports are still inaccurate. This now requires immediate attention. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting agencies. I am very concerned as this has made a tremendous negative impact on my credit reports. After speaking with XXXX XXXX and receiving a letter from them which is the collection in dispute, I filed disputes letters including the letter from the collection company to Equifax, XXXX, and XXXX that explains the accounts does not belong to me. XXXX and XXXX have removed XXXX XXXX  from my reports. I had reached out to Equifax XX/XX/2020 explaining these accounts listed from XXXX XXXX does not belong to me and is reporting inaccurate on my credit report. Equifax sends a report stating my dispute has been verified as accurate. I took the liberty of reaching out to the collection agency asking for verification of any sort to verify these accounts ( amount {$200.00}, amount {$89.00}, amount {$120.00}, amount XXXX, and amount {$160.00} ). A representative from that company stated they have no record and was not able to send any documents with my signature or anything that connects me to these accounts. I ask for a letter in writing. ( attached to this complaint ) XX/XX/2020 and the last report XX/XX/XXXX # XXXX from Equifax STILL is stating they have verified the accounts to be accurate. After receiving this last report from Equifax, it is very sad to say, no one is taking the time to truly investigate, but sending falsified automatic letters to justify their investigation. Some of these third-party collections agency are robbing people and scamming people and will not and can not send verifiable documents of any sort when consumers like myself ask for proof. I have asked Equifax through their website ( Myequifax.com ) to send me the paperwork that backs up their opinion and a detailed report that goes over Equifax procedures of their INDEPENDENT INVESTIGATION instead of reporting intentional inaccuracy on a consumer report. I have not received a response. Again, XXXX   and XXXX  have removed XXXX XXXX  from my reports. Equifax is the only bureau that is not abiding by the law. If this is not rectified, I will be moving forward to file a lawsuit against Equifax. I am filing my last complaint with the Consumer Finance Protection Bureau hoping this can be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: GA
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:
I received my credit report on XX/XX/XXXX and noticed there were hard inquiries that didnt have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureau about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have any purpose to be 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 XXXXXXXX

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 2023-10-13
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
they have refused to pay two of the black business owners the first I had to pay out of pocket cost which I preferred to use my open account with synchrony this second time customer service said the company could send in all invoices an getting paid they would not have a problem that was on XXXX its now a month later and synchrony has given the run around did everything they ask for and they continue to take me through changes Iam XXXX XXXX XXXX and they should have better business practices i need help getting this company paid from my open account even if they need to give me a temporary synchrony master card just to bill my synchrony account so that its invoiced taxes are out the will be complete the owner paid and synchrony with my new balance and payment information I am not a XXXX this is my open account if it was done wrong they need to help correct this since customer service i was doing everything right and everything should be good. help cause it's not good and right. and it's their people 's fault for lying saying the company could call it in to get paid all of the and send the invoices in all lies.

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 2018-11-12
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical bill was paid in full ... XXXX.. $ XXXXwas paid to XXXX XXXX XXXX on XX/XX/18.. {$400.00} was paid to XXXX XXXX onXX/XX/18.. no idea why it went to collections..no idea why it was even put in collections, or even removed..it just showed up week of XXXX..no bills nothing..paid in full months ago ...

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 2023-04-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Some people have used my information for government benefits, It had a negative impact on my report. My Equifax is not showing on report and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am writing to submit a complaint regarding the permanent limitation that was recently placed on my PayPal account, which is registered under the email address XXXX. I would like to appeal this decision and request that PayPal re-investigate my case, as I believe that this limitation was placed on my account by mistake. 

Firstly, I would like to emphasize that I have not violated any PayPal policy. I have always made sure to comply with PayPal 's terms and conditions and have never engaged in any fraudulent or illegal activities. Therefore, I am confident that there must have been an error in the information or evidence that led to my account being permanently limited. 

I understand that PayPal takes its policies and procedures seriously, and I respect the company 's commitment to safeguarding its platform against misuse. However, I would like to request that my case be re-evaluated, as I am certain that there has been a misunderstanding that led to the limitation of my account. 

In light of the above, I kindly request that PayPal reviews my account once again and consider restoring it to its previous status. I would be grateful for any assistance that can be provided to resolve this matter promptly. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A bankruptcy was listed on my report and I requested for it to be removed on XX/XX/XXXX. I mailed my letter advising that Equifax failed to disclosed the source in which provides them with public record information and that they violated FCRA. The public record and XXXX XXXX was removed between XX/XX/XXXX. I received alerts advising that these were removed. On XX/XX/XXXX, I pulled my report and it has reappeared along with XXXX XXXX that was also removed. I am in the process of purchasing a home, and Equifax is holding me back. 

I spoke with a rep on XX/XX/XXXX, and she went through all the confirmations from XXXX to XX/XX/XXXX but was unable to find the dispute results that showed that these items were deleted. If I submitted my letter in XX/XX/XXXX, why not view XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXXXXXX

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