BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/2018 opened acct with XXXX XXXX XXXX I had my own personal insurance on the loan XXXX XXXX took out their own insurance & didn't notify me, then credited it back but repossessed my car. I have several documents XXXX XXXX XXXX has changed their amount several times on me but credited back {$1800.00}.

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 explanation
Consumer complaint received 2019-09-13
Company: Aspen National Financial, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have noticed that the debt on my credit report keeps increasing. I have called multiple times for verification and have not received calls/emails/mailed correspondence. The debt began at {$350.00} the {$510.00} and now {$590.00} for maintenance dues for timeshare that I have not owned in more than a year and yet the debt continuously increases. The company has not sent any correspondence though I have asked for verification. I have called multiple times reaching out to Mr. XXXX and each time was unavailable and did not verify the amount or validity of the debt which I stated if verified I would pay, This has not been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
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 status incorrect

Complaint:
On XX/XX/18 I made contact XXXX XXXX to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( XXXX ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on XXXX 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/10.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police 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 non-monetary relief
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed 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 2018-06-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Purpose of this complaint is to show the intentional act by XXXX XXXX to damage and cause harm to my credit. 

XX/XX/XXXX on Experian, and XXXX XXXX. stop reporting my payments causing my credit score to drop. 

XX/XX/XXXX due to a family emergency i arranged to make monthly payment 30 days late this timeframe was for two months, XXXX. reports XXXX, XXXX, XXXX and XXXX late, the issue is XXXX and XXXX are incorrect they reported 60 day late for XXXX and XXXX needs to be changed to 30 days late. I have my bank statements. 

XX/XX/XXXX to XX/XX/XXXX i struggled with XXXX. to modify my mortgage, they refused payments and passed me to multiple agents. Then start the process over again and again. They placed my home in foreclose and this process allowed them to add additional fees coercion me under duress to accept the unlawful fees in order to keep my home. 

Currently my credit report reflects a very unlawful status and its out of my control. I am asking for your assistance in correction this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions 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:
I am a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/XXXX.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police 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 non-monetary relief
Consumer complaint received 2020-07-25
Company: ENCORE CAPITAL GROUP INC.
State: TN
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:
Midland Funding is representing that the debt has not been paid. Midland subcontracted the debt to XXXX XXXX and the account was settled. Midland then represents to the XXXX major bureaus that the account has not been paid. Midland also told me that the credit entry would be deleted once it was paid due to their policy that the debt was over 5 years old. The three credit bureaus are not investigating the disputes, they are simply saying that the debt was verified. Experian reported on XX/XX/XXXX that the debt exists. Contrary to the following : Congratulations, your Midland Funding LLC account is now settled! 

For your records, here are the details about your payment : On XX/XX/XXXX XXXX, you made a settlement payment of {$350.00}. You paid with a XXXX with last XXXX digits XXXX and expiration date XX/XX/XXXX. 
We are happy to confirm that this payment settles your balance with Midland Funding LLC. 

Provided that any payment you made is not returned unpaid, we will report to Midland Funding LLC that this account is settled and no further attempts will be made to collect on your account. 

Thanks for working with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: WESTERN UNION COMPANY, THE
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I sent money via Western Union on-line. I had never used Western Union before. I needed to send {$15000.00}. I saw that I could only send {$5000.00} at at time so I was going to send {$5000.00} three times. When I tried to send the 2nd {$5000.00} and couldn't, I called Western Union immediately and they told me I could only send {$5000.00} in a 24hour period. And I also found out it didn't go directly to the bank account I sent it to anyway, that it takes a couple of days for it to show up. The person needed the money that day. 

I requested a refund on the spot XX/XX/XXXX. I waited until XX/XX/XXXX and it was not yet in my account. I called and they said the refund wasn't initiated until XX/XX/XXXX. I called XX/XX/XXXX they told me that there was a hold on it because it had to be verified. I asked what that meant and I was not satisfied with the explaination, I don't think she even knew what it meant .She said I should have been called for verification. Of course I wasn't. She said she would escalate it. 

I called XX/XX/XXXX and was told it would be in my bank account XX/XX/XXXX. I checked today XX/XX/XXXX and it isn't there. I told the " supervisor '' I was transfered to that I wanted my money in my acoount today and he said he couldn't do that. He said he would " escalate '' it and I told him they already did that on XX/XX/XXXX. He said he would send an email to the department that handled that. I asked to talk to that department. He said he couldn't transfer me there. I asked him what department it was and he said the " card and accounts '' department. I asked him to transfer me to headquarters and he said he couldn't. There is no number for them. 

At this point " someone '' is collecting interest on my {$5000.00}. Because I sent it and couldn't cancel the transaction, I had to borrow {$5000.00} to replace the {$5000.00} I sent and couldn't get back right away. 

Western Union has been lying to me or at the very least putting me off. Since no knows anything over there, I'm afraid I won't ever get it back. 

The original tracking number ( MTCN ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I made an error and let pressure get the best of me. I was also lied to by the salesman about many details which were obviously selling points for him I was pressured into a 4 year lease with XXXX payments and paid XXXX down. 

The contract, which isn't final because the dealership has not secured funding, is 100 % dealer driven profit and includes absolutely nothing for the consumer. 

I hope to re negotiate the terms and not be stuck upside-down in a 4 year lease with payments hovering XXXX I have contacted XXXX XXXX XXXX, and hope to work something out that is fair -- not a trade you would get at a buy here pay here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Midwest Recovery Systems
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is from XXXX XXXX XXXX , XXXX which is a company I haven't done any business with whatsoever. Midwest Recovery Systems is handling the collection of this unknown account of which they claim I owe XXXX dollars. There have been 38 people that have gotten unknown reporting on their credit report including mine from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I re opened this because I was unaware of what to do. I have not heard anything back after I submitted the information Ally wanted me to. So a car was opened in my name, I told Ally it could have not been me due to my circumstamces, there is no way I could walk into a delaership and sign some documents to get a car. There was no way I could hve even done that on the phone. I am in the process of trying to buy a house for myself and my daughter, but this is hendering me from doing that. I would like to see this resolved and off my credit. I attached documents of my signature which does not match the contract signature I was sent over by Ally.

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 2020-05-10
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was transferred to your company in XX/XX/XXXX. I made my payment to XXXX in XXXX and it was returned from them on XX/XX/XXXX. I then immediately made the XXXX and XXXX payment on XX/XX/XXXX after contacting your company. The customer service representative assured me that a late or late charge or negative credit would be reported. I learned in XXXX of XXXX that it a 30 day late shown on my credit report. 
I have contacted Shellpoint Mortgage and the agents agree that it should not have been reported as 30 day late. I have also sent the attached documents to them to support the error. I have gotten no response and this began on the XXXX of XXXX. The agents have assured me it would be removed and it is still showing on my report. I have no response from Shellpoint even after making multiple calls. 
The phone number I was given for a supervisor ( XXXX ) is XXXX the mortgage number is XXXX in the name of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XXXX, XXXX alerted Hard Inquiries on credit. XXXX, I called companies with inquires. Found an unknown suspect used my name, SSN and addresses to make injuries to obtain goods-services, left suspect info not my own : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX. Additional fraud soft inquires via XXXX ( XXXX XXXX, On the XXXX XXXX ). XXXX suspect ( XXXX ) made additional fraudulent hard and soft inquires with credit bureaus : Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) ; XXXX ( XXXX XXXX, XXXX XXXX ). Additional suspect information was supplied by the businesses that the suspect used email XXXX and phone XXXX. 
XX/XX/2021, I made a police report with the XXXX VA Police, report number XXXX. 
XX/XX/2021, I updated an FTC Report XXXX : XXXX In contacting all XXXX credit bureaus they wanted me to do the investing and have the companies that requested the credit retract the inquires. 
Some have corrected the hard inquires but, XX/XX/2021 XXXX I called Transunion and per first name - XXXX XXXX XXXX ID XXXX, file # XXXX to reference this call. Transunion will not remove soft inquiries from my report even though I told him it was fraud and have made reports with PD and FTC. Will have a supervisor call me back within XXXX days, but they can not remove them. No one called and no one corrected my credit report. I continue to get emails from the credit company saying my XXXX XXXX could be better if I paid money to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: Paypal Holdings, Inc
State: UT
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 around XXXX XXXX, I signed into my email account and saw two order  confirmation emails from XXXX saying orders had been placed on my account. One was four a bracelet for {$0.00} and the other for screwdriver bits for {$4.00} using PayPal. The XXXX sellers are XXXX companies shipping from XXXX. I did not place these orders and I don't want the products. I immediately filed a fraudulent activity claim with both XXXX and PayPal - Dispute Case ID : XXXX for Transaction ID : XXXX. By the morning of XX/XX/XXXX XXXX received an incredibly surprising reply that after reviewing the {$4.00} transaction PayPal was denying my case and refusing a refund. My jaw hit the floor because I had previous to this placed a lot of trust in the PayPal money back guarantee and the safety of having my bank account information on file with them. 

I called the company at XXXX XXXX on XX/XX/XXXX to again assert my right to a refund for this fraudulent transaction that I did not make. I spoke with a young man that again denied my claim, saying that their review showed no unauthorized 3rd party access to my account ( They must have a pretty worthless process in place ). He refused to elaborate on the details of this determination except to say that whoever made the transaction knew my shipping address. I tried to reason with him the fact that XXXX and PayPal are essentially the same company and XXXX has my PayPal associated to the account, so if a fraudulent transaction is made by an XXXX seller, who may already have shipped to me on some previous transaction in the distant past then they might have that information. I assured him the transaction was fraudulent and that I had not even visited the XXXX site for a couple months. No amount of reasoning could prevail on this obtuse individual whose only apparent purpose with the company is to deny obvious fraud so as to avoid liability. 

In any case, it is ridiculous what they are putting me through over a {$4.00} fraudulent transaction. If they had any collective corporate brainpower they would just cancel the transaction rather than lose all the future transaction fee volume by alienating a good customer. I told them I would report them to the CFPB. I am a man of my word, which is more than I can say about the vaunted PayPal money-back guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. CALIFORNIA XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.

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