BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 received a reply from you stay in that my verification on my credit report was frivolous. I assure you that in no way do I consider a matter of such importance to me as frivolous or a relevant. In fact they did not honor my original request to verify in remove the 44 inquiries all my credit report that are unknown to me. I will list below all of the hard inquires any of them that I do not hold an account with and that are over 30 days old and that are duplicates I am asking for them to be removed. It is inaccurate and it is incomplete and it is a very serious error that you are reporting, and its effecting my credit. The following information therefore needs to be reinvestigated I respectfully request to be provided proof a di alleged investigation and I have these items listed deleted from my report as soon as possible UNKNOWN INFORMATION NEVER DID BUSINESS WITH THEM XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXX/XX/XXXX XXXX XXXX, TX XXXXXX/XX/XXXXVISA XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXXOH XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX TRANSUNION CONSUMER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX VISA TRANSACTION SERVICES XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXXXX/XX/XXXX XXXX XXXX HIGHWAY XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CAPITAL XXXX XXXX CAPITAL XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2021-03-25
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
According to the regulations of the Covid-19 forbearance program, no late payments are to be reported to a credit bureau during the forbearance era. I wasn't late on this account. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

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 2021-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have challenged several inaccurate and false accounts on my Equifax credit report. However, they have failed to properly, legally and transparently investigate these accounts which are damaging to my reputation. I hereby ask the CFPB to ensure Equifax deletes these accounts after any re-investigation which must be completed within 30 days or less. Below I have attached the most recent challenge letter I sent to Equifax about these accounts to aid their deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX. I filed bankruptcy last year. My bankruptcy has been XXXX months ago but my credit report still has previous debt. I have contacted the creditors and credit bureaus. The information is still there. I need help resolving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted TransUnion on XX/XX/2021 to ask them to dispute inaccurate inquiries on my credit file. After being on the phone for almost an hour, the representative refused to submit a dispute. Under FCRA I have the right to dispute anything on my credit file that I feel is untrue and 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 2019-07-12
Company: Collection Bureau of America Ltd.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collections account for equipment I did not return. I have returned the equipment now and got all my receipts showing that my account was paid in full before it was closed the only thing I owed was the return of equipment and now they are still trying to charge me for the equipment I returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Opened XX/XX/XXXX- Balance : {$1200.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$690.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$16000.00} This company is reporting an inaccurate amount of debt owed as well as missing my on-time payments XXXX XXXX Opened XX/XX/XXXX-Balance : {$410.00} This debt does not belong to me and Ive disputed this before

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 2018-03-25
Company: Conn's, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX XXXX XXXX, TX XXXX Also, On XX/XX/XXXX XXXX XXXX, FL XXXX On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX, XXXX ( no information given on credit report ) On XX/XX/XXXX Conn Credit Corp. pulled my credit.

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
You continue to report account XXXX XXXX after the credit reporting time limit has been reached. Not only is the company reporting inaccurate and inconsistent information, the reporting limit has been reach therefore this account must be deleted IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Paypal Holdings, Inc
State: FL
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 remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
UWM LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX The short sale was started with UWM on XX/XX/2019. The 4506T was sent to them at this time as part of the complete short sale package. They started the loan mod review process on XX/XX/XXXX. Documents have been uploaded multiple times into their online portal since then, including the 4506T which has been uploaded several times. 

As of today, they are still making excuses as to why they can not review this file. Even though we have uploaded the 4506T multiple time, they continue to make up numerous excuses such as : they do not have the 4506T ( at all ), the 4506T they do have is not signed, the 4406T they do have is not filled out correctly, the 4506T is completely blank, and the 4506T is missing addresses.

****FURTHERMORE when we call in no one can tell us why the 4506T has been rejected and we have to wait several days, for NO ONE to call back, then call back in again and demand to talk to management. Even then, it takes DAYS to get a straight answer out of UWM. 

Their supposed review of this file for a loan mod has been going on for TWO MONTHS!!!!!!! -- -- - This is RIDICULOUS!!!!! -- -- -- - It has become apparent to me that they are doing nothing except to delay the decisioning on the file in an attempt to defraud the investor out of even more ( inflated ) servicing fees.

Since this company seems to be incompetent in reading a 4506T I have attached it here.

I want this reviewed and moved forward WITHOUT FURTHER DELAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Colony Brands, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In the beginning of XX/XX/XXXX, I became aware that XXXX XXXX had opened a 2nd account for me because they sent me 2 bills. I called them and they told me the two accounts were merged. Later in XXXX they sent another bill, with a 3rd account. I called them, they assured me the accounts would all be combined. four days later I received a card for a new account. I again called them. They again assured me that the accounts were all merged into 1. I received my bill. I paid my bill on time. I received a notice that my account was past due. I called them and they informed me I still had an account that was not merged and I owed a {$10.00} dollar payment. that was on! /XX/XX/XXXX. I told the representative that I would call on XX/XX/XXXX and make the payment. I was told that after the payment all of my accounts would be merged. When I called on XX/XX/XXXX, the rep told me that I had 2 accounts open and I had a minimum due of {$20.00}, but after payment I would be caught up till XXXX. He told me that the payment would allow him to merge my accounts. I explained I had little confidence that this would occur and asked to speak with his supervisor. The supervisor got on the line, assured me that all of these accounts are merged and I didn't have a payment due till XXXX. This morning at XXXX I received a call from XXXX XXXX ( robot call ) about a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: STATE FARM BANK, FSB
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a loan with state farm bank I had to volunteer give up the car because a mechanic messed up my car with repairs and I spent over {$2000.00} to repair more problems continued and I saw no sense of making payments on a car that isn't working. I voluntarily gave up my car. In 2019 state farm bank call me everyday harassing me and I had to tell them to stop calling me everyday harassing me before I sue them for harassment and they continued to harassing me by sending notices about the loan. On my credit report, they put charge off notices for a whole year. Last year year they closed my account. XXXX of this year, they sold my information to a debt collector after state farm bank closed my account last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. Thry wanted to verify to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX   and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$14000.00}

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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. Thry wanted to verify to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$14000.00}

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 2021-03-25
Company: Paypal Holdings, Inc
State: CA
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 remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me and my business a great deal as I used PayPal quite frequently. I thought PayPal was supposed to be helping small businesses during the pandemic but they are making it hard for my small business. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
us dept education. 
transunion shows Negative an positive and its confusing

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 2019-07-25
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I been using Western Union for many years and my family is been " robed '' for so long and I do not want deal with that anymore. I called Wester Union and they keep me in hold and hang up on me, I just want to know how they can protect me! 
No one answer me when I ask what is this hidden fees that they are charging me. 
I am tired to be robbed and no one answer me! 

When you send money they show you rates and how much money you will receive. When you go get money, is always short!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld system inc Collection opened XX/XX/XXXX {$330.00} Was flagged as in collections twice in one week. Called XX/XX/XXXX to get information as to what and from where this collection was from. They stated was from XX/XX/XXXX. Faxed in proof XX/XX/XXXX that i did not live at address listed at the time. Called to confirm paperwork was received XX/XX/XXXX and they stated they had received and was under dispute. XX/XX/XXXX flagged as in collections the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked for method of verification from this company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX came back verified and XX/XX/XXXX I have not received a response back. In alignment with FCRA 609- Disclosure to consumers ( which they failed to do so ), FCRA 610-Condition and form of disclosure ( in which the proper identification was given ), FCRA 607- Compliance and Procedures accuracy of report ( they were shown proof that all three bureaus didnt have the same information ), and FCRA 611-Procedure in case of disputed accuracy which gives me the right to ask of reinvestigation of disputed info in which they never verified in the first place. This company have fail to follow FCRA guidelines which is in place to protect the consumers. I demand this this account be taken off expeditiously. Their inaccurate reporting has caused me not to obtain credit which has caused financial stress to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: TN
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:
Equifax is allowing fraudulent inquiries to stay on my credit report. I have informed them about this several times and I sent them my FTC claim through BOTH mail and fax SEVERAL times. Last time I spoke to them they said that they see my letter which was sent with my FTC claim, but not my FTC claim. This can only mean that they are misplacing my private documents which is UNACCEPTABLE. First, I did not give them authorization to have ANY of my alleged personal information in the first place, but they are also misplacing my documents that I have to send them because they are reporting FRAUDULENT things on my credit this is ridiculous. Please rectify this situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Midwest Recovery Systems
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: Account status incorrect

Complaint:
Midwest recovery systems is reporting a balance of {$580.00} on my account on XX/XX/20. I don't owe any debt to this company and was never notified in writing by this company of any debt owed, directly in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX. I just received an attempt to collect a debt from Discover bank. I have never authorized this debt with Discover and I have never received any type of communication related to this fraudulent account as well. 
Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Enclosed with the complaint are FTC ID theft report and police report. I hope the matter can be amicably settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo 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 remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Venmo i even submitted the correct documentation to get my account resolved quite frequently. XXXX XXXX

Company response to consumer: Closed with non-monetary relief