BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-06
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:
To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX, and the other on XX/XX/XXXX. I am disputing four derogatory remarks on my credit report that are inaccurate, fraudulent, invalidated, unverifiable and accounts that were open and compromised due to Identity Theft. I was a victim of Identity Theft in XXXX and XXXX. I sent Transunion and XXXX  a validation of debt letter, police report and I also requested how did they verify any debt belongs to me. Not only did they fail to provide to me how they validated the debt. They also failed to provide me how they verified the debt. It's been over 45 days with no results. I reached out directly to all of the CREDITORS involved in the dispute regarding these accounts and they have all failed to validate or verify any debt as accurate and failed to provide me with proof of my signature. Please explain to me how can you validate any debt when the creditor has failed to validate any debt? Not only did Transunion and XXXX and the Creditors break many laws, they are reporting inaccurate information and not living up to its rightful duty to report accurate information and serve the consumer justly. Please DELETE and remove these accounts from my credit report immediately. This is frustrating and you are giving me a hard time and breaking laws and subject to Civil liability. Im acting in good faith once again. Ive attached all the supporting documents : FTC Report, Police Report, Receipts of letters, Receipts of letters delivered successfully. See below accounts in dispute XXXX XXXX Account Number : XXXX This account is inaccurate. The Debt does not belong to me. I do not validate this debt. Update the report to positive/current or delete from my credit report. 

XXXX XXXX Account Number : XXXX I do not validate this debt. This account does not belong to me, delete this account. 

XXXX XXXX Account Number : XXXX This account is inaccurate, unverifiable, missing information, incorrect balance and compromised due to identity theft. I do not validate this debt. Remove from my credit report. 

XXXX Account Number : XXXX This account is inaccurate and a fraudulent account. This account does not belong to me. I do not validate this debt. Please delete from my credit report.

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 2020-06-03
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:
Today XX/XX/2020 I tried to transfer my PayPal balance to my checking account to pay bills. I do not have a Cell Telephone because I am poor. PayPal Inc. refuses to allow me to gain access to my money because I have no Cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
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:
I have sent and call both XXXX XXXX, XXXX, and Equifax regarding TWO unauthorized charges on my reports for XX/XX/XXXX and XX/XX/XXXX. Both of which was not authorized by me. I sent faxes to Equifax and XXXX requesting an investigation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by CREDIT COLLECTION SERVICES , INC, They are being completely unfair and I dont know how to get ahold on them but through this portal. 


I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I got no notices to my new address despite giving original creditor ( XXXX ) my new address. I was told there were no bills due at time. At my new address I had comcast address and paying my bills, no one told me about anything being past due from my prior address. 


As a last resort prior to taking legal action, Im submitting this complaint to see if CREDIT COLLECTION SERVICES, INC, is willing to resolve this matter by remove tHE account from all credit bureaus. 


My account is : Account number : XXXX. 
Open date : XX/XX/. 
Balance : {$0.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am furious that this company has continued to repeatedly attempt to contact me after i've sent them a cease and desist letter. Under the FDCPA 15 usc 1692c it is my right to cease all communication with a debt collector, and in that letter I also invoked my specified remedy that this company cease all communication with me and any other person regarding this debt through any medium ( which includes mail, phone, and credit reporting ). This company has violated my rights by continuing to send me letters stating that I owe something. This company has communicated with another company regarding my personal information after I did not give them consent to do so. And under law any medium is any direct or indirect communication. This company has also violated my rights under 15 usc 1692d by continuing to harass me after i told them to stop contacting me. This company has also failed to report to the 3 nationwide credit reporting agencies that they have sold my information to another company, especially without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: PLANET HOME LENDING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Afternoon, I have submitted a payment for my mortgage payment due for XX/XX/2022 on XX/XX/2022 in the total amount of {XXXX}. 

Auto pay had been set up to draft the mortgage payment on the XXXX of every month for the total amount due. 

I tired to turn off auto pay on the online portal but it did not allow me to. I then proceeded to call Planet Home Lending to turn off the auto pay on their end. 

All 3 representatives informed me I could not turn off auto pay as I have missed the cut off date. 

When I signed up for auto pay I was never informed of a cut off date to turn off auto pay. I also have never experienced a company telling me I can not turn off auto pay because I missed a cut off date. 

I also asked the representative about the disclosures for the auto pay and he could not give me any information about them. 

As I was not aware of the cut off date I am unable to put a stop payment on it with my bank because they need 3 business days. Now my account will be over drafted because I was told I can not stop auto pay. 

From my understanding I have the right by federal law to revoke authorization for auto pay and for some reason this company does not allow me to until the payment on the first is drafted, despite the fact I have already submitted payment toward the amount due XX/XX/2022 in the amount of {XXXX}. 

Please advise how I can proceed from here. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked Hunter Warfield to validate this debt multiple times. They have ignored multiple request from me. My last letter was sent to them on XX/XX/XXXX. It is still showing as a collection on my credit report. Please assist me with having this in-validated account remove from my credit report so I can continue to proceed with my life. 

Account Name HUNTER WARFIELD Account # XXXX Account Type Other Collection Agencies Balance {$1000.00} Past Due {$1000.00} Date Opened XX/XX/2016 Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month Comments XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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:
XXXX keeps reporting this information on my credit report even though I have disputed this account has not being mine and the creditor has no documentation to proof that it's mine.

One account on your report shows past due and could use your attention.

Total open balances {$140.00} How did we get this info?

Credit Cards {$0.00} Collections {$140.00} Student Loans {$0.00} Other Loans {$0.00} Auto Loans {$0.00} Home Loans {$0.00} COLLECTIONS {$140.00} Reported balance FIN CR NETWK {$140.00} Needs attention

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Synovus Bank
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below for 2 of my XXXX XXXX  Credit card.

XX/XX/XXXX-30 days Late XX/XX/XXXX-60 days LateXX/XX/XXXX -60 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I had been using the automated telephone system to get assistance from customer service whenever I needed assistance. Often times they were very intrusive with the amount of information that they request to verify your account even though you are typically being transferred through the automated system to a rep after having verified your account. 

Date of birth, last four of you San and sometimes full ssn, your card account number, address, verification of your photo ID through a text system ... etc. At times you are forced to give all if this information. 

While I understand that this is for your own protection and agree that their has to be a standard to do so, I feel the process at times is too intrusive. 

This company also would not allow for you to go into an actual branch to verify yourself with an ID if you felt uncomfortable giving so much info over the phone ( was told that was not an available service ). 

After feeling as if my privacy was being invaded by too many CSR 's, and after speaking g with several fraud specialist, I was finally told of the option to verify me through the mobile app. This seemed less intrusive but at times some CSR 's won't utilize that option.

It leaves the consumer feeling completely harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
i have a money transfer on my bank names Chase bank it was made two transactions first on XX/XX/XXXX {$360.00} and the second one {$240.00} on XXXXXXXX XXXX.I already reported this to my bank no ones gon na help me They told me report this to police i know my transactions and that one is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Westlake Services, LLC
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:
I have sent and call both Westlake Financial, XXXX, and XXXX   regarding TWO unauthorized charges on my reports for XX/XX/2018 and XX/XX/2018. Both of which was not authorized by me. I sent faxes to XXXX and XXXX  requesting an investigation XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 as well as XX/XX/2018. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi I sent a international wire transfer of XXXX on XX/XX/2021 for goods for my small buisness and noticed it was taking a few days to deliver .... so I checked my secured messages in my chase app on XX/XX/XXXX th and saw the wire department sent me a message stating my wire transfer was rejected by the recipients bank due to not excepting this form of payment?! And that the money is on its way back to me and will first be converted back to usd then placed in my account typically in 3-5 buisness days. 

Well it has been well over 3-5 buisness days and no money?! I tried reaching out to chase numerous times to get more information on the status or how they can help but no ones knows anything or has any information on how to help track down my funds! To make matters worse the actual wire department no longer excepts calls only email but does not seem to be responding to my emails! Please help me get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CITIBANK, N.A.
State: GA
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:
This company is very abusive. They will not try to take a {$20.00} payment when they know you have XXXX and have suffered and lost family members during the pandemic. 
Will not try to settle wants full amount but want big payments.

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted a credit dispute to TransUnion XX/XX/2020. I have not received the results of this dispute and its been over 30 days. I submitted this dispute certified mail with all the proper documentation. I disputed several accounts displaying on my credit report. I also requested " PROOF '' of the debt exercising my rights under Section 609, which I am entitled to see and be provided with for validity of the said debt.

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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Since XX/XX/2021 I have been filing a dispute with all XXXX credit bureaus and in particular 2 accounts have still not been investigated that is XXXX with all 3 bureaus and XXXX AND XXXX XXXX with Transunion. I have attached every dispute that has been sent to all 3 bureaus for these accounts. I also specified in each dispute the errors and discrepancies that are being reported. This is clearly a violation on so many levels as a consumer with not opening an investigation and not removing the inaccuracies being reported. Included also is my Driver 's license, utility bill and ssc for proof of my identity. Please considered this my written authorization for an investigation. At this point the bureaus have passed the timeframe given by the FCRA for an investigation. If I have to I will go as far as getting a consumer attorney and filing a civil suit. Please remove these items from my report immediately. 


Thank You

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 2018-04-10
Company: EQUIFAX, INC.
State: CA
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 has been given a copy of the FTC required documents to properly block the fraudulent accounts reporting on my equifax credit file. For 6 months now they have verified the information with the creditors and refuse to block information that has been reported to police and FTC. I have complied to the fullest and they insist on continuing to damage my reputation by not complying with FTC law.

They are very eager to get me off the phone each time I call.

One lady called me a a Liar just like all other men.

What the heck have I dont wrong to these people to deserve this treatment?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX XXXX XXXX. XXXX   XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor XXXX XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I sent and email to Kohls/CapitalOne informing them that I would like to be removed as an autorized user from a CC. I checked XXXX XXXX and I'm still showing this credit card with Kohls/CapitalOne reflecting as an authorized user.

Company response to consumer: Closed with explanation