BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: WESTERN UNION COMPANY, THE
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On Friday, XX/XX/2021, I was approved for an apartment complex. She told me to come by and bring my deposit. I went to XXXX XXXX and got two money orders, one for {$340.00} and the other one for {$480.00}. I went to the apartment complex and filled it out there, the lady gave me copies of the money orders and told me I was good to go. On Tuesday, I called the apartment complex to get further information, like when I could come by and sign the lease, what my apartment number would me, etc. Lady at the apartment complex told me I would have to come by and pick up the money orders because she wouldnt know when the apartment would be available. She then told me that I could either take it t back to XXXX XXXX or to my bank. I tried my bank first and they told me that I would not be able to deposit my own money being it had the apartment complex name on it. I then proceeded to try XXXX XXXX and they told me no as well. Okay called the apartment complex and told them the situation and she said if I wanted to, I could bri g the money orders back and allow up to 10 business days. I told her I would do that, and she stopped responding. Yesterday, XX/XX/2021, I called the apartment complex to figure out what they wanted me to do, XXXX, informed me that she would get back in touch with me and never did. Today, XX/XX/2021, I called the apartment complex again to again figure out what to do. She tells me that I could bring the money orders back and it would take 15 days. I said ok. I called back to see what time they closed and she told me that they were not going to take my money orders back and told me to try to take it back to another XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXX XXXX  XXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to 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 2023-10-12
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: MO
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, The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality under XXXX U.S.C XXXX. 

Account name : XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX  Date : XX/XX/XXXX, Account Name : XXXX XXXX  Date : XX/XX/XXXX, Account name : XXXX XXXX  Date : XX/XX/XXXX, Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. Account name : XXXX XXXX XXXX discharged DateXXXX. 

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, also states a consumer reporting agency can not furnish an 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 a 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 2021-06-22
Company: EQUIFAX, INC.
State: WA
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 had an account with Equifax , Inc. for credit monitoring services. 
- In XX/XX/XXXX I received an email from the company that my account was migrated to a new service. 
- I was never able to sign into that service. There is no customer service to help, the phone number given XXXX XXXX XXXX XXXX is is always busy and is very difficult to navigate. 
- With difficulty, I found an equifax fax number with instructions for information to provide for closure and sent it. 
- In XX/XX/XXXX, I see that I am still getting charged. 
- I sent an email to XXXX with the same account closure information I faxed 6 months ago. 
- Equifax is deliberately making it difficult to close an account and keeping on charging for a worthless service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX # XXXX The balance is correct with this account. I called and XXXX XXXX and they admitted they did not report the information to the credit agencies. They balance should reflect {$4300.00}. Please correct ASAP!

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-09-14
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Bridgecrest failed to apply requested payments to principal XXXX XXXX XX/XX/XXXX. I was told when an extra payment and I call in to request payments to be applied to principal that Bridgecrest should apply payments as directed and should not be included to interest. All request of these payments were applied strictly to interest no matter the account status ( not behind ). I confirmed information from another agent that these were not applied correctly resulting in account in Dispute and reporting inaccuracies

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 2021-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In my original investigation request sent XX/XX/2021 I asked for Equifax to delete anything that is not 100 percent accurate. They responded saying that all of my accounts were indeed correct and verified. After that, I sent a letter on XX/XX/XXXX asking for them to please remove the accounts below from my credit report because I found inaccuracies in each entry. I also provided proof of the inaccurate reporting along with my letter. Instead of deleting the information as requested, they updated my file. Which is against the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: SC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
It started with a {$25.00} deposit sent by a friend. I had no access to it for over eight hours. Everytime I try to use my card it declines despite having money in it. I received my normal weekly check hours after the {$25.00} and as the previous deposit I could not access it. Ive been able to make two transactions in 24 hours. Since my last I have had no such luck. Ive contacted the live chat, they said to call fraud prevention. I call fraud prevention and my account is not flagged. I called customer service and they recommended it to a different department. Yet another day has gone by and I still have XXXX access, and no response. I initiated another live chat today and informed them I needed a supervisor to reach out. They said they werent sure of the time frame but hopefully Ill get an email soon then disconnected the chat after I told them I was going to get a lawyer and move to have my account closed if I had to wait another twenty four hours. The rep closed the chat on me. Needless to say these people do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: AES/PHEAA
State: AR
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 Date XX/XX/XXXX Fed loan servicing, amount XXXX XXXX.Fed loan servicing account XXXX Date XX/XX/XXXX amount XXXX, Fed loan servicing XXXX XX/XX/XXXX paid, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXXXXXX XXXX date XX/XX/XXXX, XXXX date XX/XX/XXXXXXXX XXXX date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have so many. Wrong names XXXX XXXX XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX Date XX/XX/XXXX amount paid.Fedloan servicing # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX, XXXX XXXX, XXXX  residentia via Partners credit verification febdenstiny, XXXX  of central via XXXX of centralXXXX XXXX XXXX XXXX interactive in. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the dates requested XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This call came from ( XXXX ) XXXX. I called the number back and when I tried to get specific information the person kept hanging up on me. She wanted credit card information over the phone without me being able to verify anything. I called back at least three time to get more information and when I asked specific questions she kept haning up on me. The collections was supposedly for a capital one account. I have never received anything from them concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months but I just remember I could file a report on here as I feel they are not doing there job properly and it is affecting me a great deal as I used paypal quiet frequently my email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NY
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Credit Collection Partners, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CCP, INC. calls me 1-3 times per day every day. When I spoke to someone today, she told me there is no way, and they are only calling once per day. I get a call around XXXX, XXXX, and XXXX. As far as I'm aware, calling even once per day is harassment according to federal law. I can never speak with someone, as I am at work from XXXX every day. They are only open XXXX. They call me repeatedly while I'm at work and disrupt my job. The representative said she will not stop calling me until the issue is resolved. This is very overwhelming and counter productive. They call from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, and XXXX. All of these numbers have called me several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After updating insurance information with PHH Mortgage I was informed via a letter that I would be charged {$860.00} for forced placed insurance for the period of time that there was no insurance on the property. This time frame wasXX/XX/XXXX to XX/XX/XXXX. This gap was less than 3 months due to the prior insurance company never sending a payment letter. That company also never informed PHH of the cancellation. There were no claims during this period. PHH Mortgage makes it next to impossible to contact someone at the insurance servicing center. It took over an hour to contact someone and when I finally did, the call center informed me they were in XXXX and not US based. XXXX from the insurance department informed me PHH Mortgage just last month they reached out to the old insurance company and found that the policy had expired. We are now in XX/XX/XXXXand PHH is just now getting around to updating their insurance records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-12-18
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief