BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 NUMEROUS 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 XXXX XXXX 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 2022-05-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My current situation is, that I have been victim of fraud, since my XXXX XXXX XXXX account was hacked.Were I was denied from the total access into my personal customer portal.Consequences of this evil criminal action.Honestly, i'm facing the worse nightmare ever.So whoever took ownership of my hacked account.Had the audacity to contacted every single individual from my XXXX friends list, a total of XXXX persons, wich i consider long amount.Using my identity, trying to obtain personal data information from them, for financial purposes.After this incident was brought to my attention, immediately I report my problem to the XXXX customer support.Staff members, that haven't reply me back till today 's date.Then a couple days after.I couldn't access my chat messenger app, also from my two primary electronic emails address, we're I used to receive all my important personal events.Some of my debit prepaid bank cards was compromised, matter that is taking care already.Plus on my credit report it shows a dramatically amount of credit inquiries, the ones are impacting negatively into my current score.I start receiving emails orders confirmations from XXXX, XXXX, non authorized XXXX & XXXX XXXX  payments, regular phone text messages referring to personal loans, car purchases, such utilities bills debts that are not common, following thoses steps measures.So, after all this unexpected things start happening, i went to a local police station to file a report.There, the officers provided me a list with the steps for me to follow in order to resolve my concern.I filed a federal trade commission report fraud ( # XXXX ), another report to the XXXX & i contact my 3 credit report bureau placing an alert fraud & blocking the access to any of my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. My home address in XXXX XXXX XXXX, XXXX, NY XXXX. My loan number is XXXX. 

I have made several attempts to work with my mortgage company XXXX TIAA Bank XXXX on a solution for the amount owed to them due to the mortgage forbearance plan I took in XX/XX/2020 as a result of COVID-19. I have applied for a payment deferral in XX/XX/2020 however TIAA Bank has not yet provide me an update on my application and now they are requesting me to pay the entire amount due. I have started making regular mortgage payments since XX/XX/2020 but I can't afford to pay the entire amount due. TIAA Bank is unwilling to help me find a solution so I can stay in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My refinance loan was rejected by Processing Department based on incorrect information about two disputes that are over three years-old and/or paid in full. According to federal governments underwriting rules disputes over two years old and paid in full should be EXEMPT from consideration by the processing department. I suggest Mr. Cooper re-check their interpretation of the loan processing guidelines for these two disputes : 1. My wife 's credit report has a XXXX XXXX account ending in XXXX for {$460.00} is OVER 2 YEARS OLD and was PAID-IN-FULL 2. My credit report has nothing more than a " dispute comment '' related to the XXXX XXXX account ending in XXXX. The attached snapshot from my credit report shows a date of XX/XX/XXXX - over THREE YEARS ago! And the balance on my credit report is XXXX. In fact, this credit card account is active and current on all payments. 

Please also note that I contacted XXXX  XXXX  to initiate the removal of these incorrect dispute comments, however, I don't think there is any valid reason under loan processing guidelines for my loan to be rejected over these disputes even if they are on my credit report. These disputes have nothing to do with my creditworthiness. 
I have owned my home since XXXX and was never late on the mortgage for over 18 years. 

I have a strong income and huge equity. The underwriters keep coming back to ask for very small value items and they require conference calls with creditors to clear up trivial items. A huge waste of time and a very unprofessional company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I sent {$1000.00} from my business checking account using PayPal to XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX NC. The amount was to pay for a full-day rental at the studio to create a video for a client that had hired XXXX XXXX XXXX XXXX 

Moments after I sent the money I was informed that XXXX XXXX was either locked out of his PayPal account or simply did not have access to it. I am unclear exactly what he had meant by this. So, I decided to open a case on this transaction. I asked XXXX to create a document proving that he was refunding me so I can submit this to PayPal to help my case. I submitted the document to PayPal, yet they denied my case. 

I talked to XXXX XXXX about this, and I checked my PayPal account later to see that he had initiated a refund of {$1000.00} to me. 

I contacted PayPal support to see when I would receive the PayPal refund. I asked their assistant bot two times and both time they gave me a different answer. The first time on XX/XX/XXXX, they said I would receive it in 5-7 business days from the day of the refund which was XX/XX/XXXX. 

On XX/XX/XXXX I messaged the support bot again and they said I would receive it on or before XX/XX/XXXX due to the XXXX XXXX XXXX XXXX. 

Today, XX/XX/XXXX I check my PayPal to see that the refund has now been canceled. I don't know if XXXX XXXX canceled it or if PayPal did. I got on the phone with XXXX and told him what occurred and he told me he " never received the money and that it was probably in limbo somewhere ''. 

Today on XX/XX/XXXX I also tried to open another case for the original transaction and was unable to do so. 

XXXX XXXX said he is going to contact PayPal XX/XX/XXXX and try to get a resolution and my money back. XXXX and I will be meeting XX/XX/XXXX in person to try and come up with a resolution. 

Because of this situation I lost an opportunity that I would have made {$3000.00} from and I now have to refund a client {$1000.00} that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today XXXX my husband was contacted by a XXXX XXXX informing him that he represented XXXX XXXX XXXX and he would be here tomorrow to serve him papers. Then they sent over a form to put our banking information so we could clear the debt from XXXX at Wachovia ( which we did years ago ) I told my husband not to fill anything out as it sounds very sketchy.

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 2023-04-15
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: Their investigation did not fix an error on your report

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
under my experian credit report its showing that its a XXXX  card that is on my account has a XXXX balance due on this card. The account has been closed on the grantor request which is because I kept disputing it so much. The status on the account is a charge off and it is not my balance. It shows 26 potentially negative months which is inaccurate as well as the other charges that were 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 2023-09-27
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Item 11 : - Account Name : XXXX - Inquiry Date : XX/XX/XXXX Fraudulent Other Accounts Other accounts : - Account Name : XXXX XXXX XXXX XXXX - Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


Fraudulent Student loan - Account Name : DEPT OF ED/AIDVANTAGE - Account Date : XX/XX/XXXX -Account type : Student loan -Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX  - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: DISCOVER BANK
State: NC
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  IS REFUSING TO EXCEPT ANY PROOF OF POLICE REPORTS AND COURT DOCUMENTS AND MEDICAL RECORDS SHOWING THAT XXXX XXXX AND DISCOVER CARD ARE FRAUD ACCOUNTS! THEY HAVE VERIFIED ALL DOCUMENTS AND STILL WANTS BLOCK THOSE ACCOUNTS AND DISCOVER CARD WAS SUED IN XXXX COUNTY COURTS AND NEVER SHOWED UP FOR COURT AND BOTH LEGAL TEAM FOR DISCOVER WERE SERVED. IM A RETIRED XXXX XXXX  AND THEY CLEARLY DONT CARE AND REFUSING TO SHOW PROOF OF THE FRAUD RECORDS BUT THEY KEEO SAYING ITS MY ACCOUNT! XXXX SPECIAL HANDLING DEPARTMENT GIVES DISCOVER EXTRA TIME TO RESPOND AND NEVER SHOW PROOF TO ME THE CONSUMER WHO IS BEING DONE WRONG. THEY ARE CLEARLY ARENT GOING BY THE FAIR CREDIT ACT. NEXT STEP IS FILING SUIT AGAINST XXXX JUST LIKE I WON AGAINST DISCOVER CARD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: Southern Management Systems Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After living at a college apartment for a fews years i found myself in trouble paying my rent while attending school. me and the property manager were very close, so several months before getting evicted the manager asked me to attend a meeting with her and a former employee. this meeting was set in place to ask me to work for them to clear my debt with them, she understood i had been there for awhile and was willing to exchange services. the apartment was transitioning to a new name and they needed marketing pictures and video and because i'm a professional photographer she saw an opportunity for the both of us. weeks went by and i stopped hearing from her. she stopped messaging me and later that caused me to become evicted. i was done wronged and manipulated, because she left her management position with no notice. this was in XXXX. 

Southern Management Systems ( the furnisher ) had been communicating with me and as a young individual i had no clue on how to deal with this unfairness. i was told many times by the collector to talk to the apartment complex in which i did. that wasn't helpful because they kept telling me there was nothing they could do. i finally wrote a letter to the furnisher to dispute what i felt was an unfair collection. i mailed full details showcasing conversations i had with the manager and the dates and times. this dispute letter was mailed XX/XX/XXXX. i know they have 30 days to respond to the dispute so i waited and waited to only find out on XX/XX/XXXX that they did not have my information and files anymore and that it was sent back to the apartment complex! that was very disturbing. i asked for more information, and they knew nothing at all and told me to call the apartment because they couldn't help anymore. 

XX/XX/XXXX the apartment manager remembered me and expressed how confused she was about the situation and that she knew nothing about it. the same day i received an email from the apartment manager that said " this was an agreed judgment for possession. according to my notes, {$1300.00} was owed as of XX/XX/XXXX '' the apartment manager told me that she hasn't spoken with the collector on their reasoning for them sending it back and to reach out to their attorney. XX/XX/XXXX i reached out to the apartment attorney and was only able to leave a detailed message. it has been a few days now with no call back. i have been dealing with this for a long time with no one willing to give me proper information. 

p.s i renewed my lease and never received my incentive for doing so. they continued to act as if they didn't have the cruise tickets i was suppose receive. i will attach the promotion that states what the portion is for. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. XXXX XXXX Date Opened : XX/XX/2020 Balance : {$20000.00}

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 2021-05-14
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XX/XX/XXXX I accepted an offer from Freedom Mortgage. The offer was to move my interest from 3.25 % down to 2.375 %. I signed and sent Freedom Mortgage all documents they requested. 

On XX/XX/XXXX, XXXX XXXX XXXX my consumer advocate ) emailed me the following " I wanted to update you on your refinance : we are waiting on the subordination and should have another update some time next week. Nothing else is needed from you at this time. If you have any questions, my contact information is below. '' During the month of XXXX, I contacted my other mortgage company to help with the subordination process. XXXX XXXX mention they have a specific process to complete the subordination. XXXX XXXX emailed and faxed the information to Freedom Mortgage to complete the process. On XX/XX/21 I've also emailed Freedom Mortage ( XXXX XXXX the needed documents from XXXX XXXX to complete the subordination. 

Around XX/XX/21, XXXX XXXX from Freedom Mortgage contacted me to advise me that my consumer advocate is her going forward. Together, we reviewed my file and the complications that are being experienced. 

She was able to see that Freedom Mortgage had gotten all documents from me that are needed, also, that Freedom Mortgage had gotten the contact information from XXXX XXXX BUT Freedom Mortgage have not followed the requested process to complete the subordination. 

During this conversation, XXXX mentions that if this loan does not close in XXXX, then the transaction will be voided. 

On XX/XX/XXXX, I've spoken with XXXX. She advises me that she is no longer my consumer advocate. She claims that she had limited access to my file. She then transfers me to a regular customer service rep. 

The customer service rep shares with me that on XX/XX/XXXX my re-finance was denied because the subordination was not completed. 

I feel that this company is making an attempt to NOT close on the loan because I will pay more money to them by keeping the higher interest rate. I think they are purposely making this transaction complicated, confusing and being deceptive. 

THEY CALLED ME TO MAKE THE OFFER. THEY APPROVED ME. But now I want to complete the offer, they are trying everything they can to NOT close on this loan.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: TX
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:
I've tried disputing this issue with XXXXXXXX XXXX management via phone and via Experian, XXXX and XXXX. XXXX has removed the record for fraud. This issue is regarding a fraudulent amount I have no knowledge of from summer XX/XX/XXXX that was sold and place for collection by the company XXXX XXXX which NO LONGER EXISTS AS OF XX/XX/XXXX, and was set for collection in XX/XX/XXXX. 

In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 

Account name : # ( acct # ), list all accounts and acct # s, has violating 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.

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-21
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the fair credit Reporting act these companies ; XXXX XXXX XXXX, XXXX XXXX # XXXX and XXXX # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation