BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-26
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Below please find the details of my transfer of {$2000.00} USD via PayPal to my fiance ' in The XXXX. Instead of sending the cash to the recipient, PayPal allowed a " company '' named XXXX intercept the money and they will not release it until XX/XX/2020. She needs this money to give to an attorney on XX/XX/2020 for a legal matter. 

XX/XX/2020 money sent to ; XXXX XXXX XXXX XXXX Your recipient should have the money by XX/XX/2020. 
Paid with ; XXXX XXXX XXXX XXXX Your backup is MasterCard XXXX Exchange rate ; {$2000.00} USD = XXXX XXXX  XXXX XXXX = XXXX XXXX Transaction ID ; XXXX Sent to ; XXXX XXXX XXXX Details ; Sent to XXXX XXXX XXXX XXXX Fee XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: CT
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:
THIS IS NOT A DUPLICATE CLAIM- THIS IS NOT A DUPLICATE CLAIM -THIS IS NOT A DUPLICATE CLAIM- THIS IS NOT A DUPLICATE CLAIM THIS IS A -UPDATE- TO CLAIM # XXXX ( PLEASE OPEN CLAIM # XXXX AGAIN EXPERIAN has violated me willingly in multiple ways under the guidelines of the F.C.R.A and is legally liable for damages and remedy. I demanded they settle with me by XX/XX/XXXX and they willingly DID NOT. This is my SECOND NOTICE to try and settle the matter in good faith demanding EXPERIAN to settle in good faith by XX/XX/XXXX. EXPERIAN has ignored me and has ignored the FCRA and has not settled for the amount demanded. I have lost confidence in the banking system due to the multiple violations upon I the consumer and original creditor and lack of care to settle by EXPERIAN. I desire legal action with EXPERIAN in order to settle for the federal violations.

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 2016-10-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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:
I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a dispute letter to the credit bureaus and haven't heard anything from them. I've given them ample time but did not inform me of their investigation results. I'd like to get this information to see why the bureaus are reporting a few things differently and failed to support such reporting. 
The accounts - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX****, XXXX XXXX Account Number : XXXX****, XXXX. XXXX Account Number : XXXX**** were reported on my credit report and send disputes but failed to respond and with no proof of responsibility.

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 2015-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
: THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. 
. 
. XXXX XXXX and all accounts in bankruptcyMus be deleted no validation from the companies or from the Credit union

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
in accordance with 15US. CODE 16821C-2, I wish to request deletion of wrong addresses on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And under 15US. CODE 16821b, the address should be deleted immediately, this address is an act of identity theft, it should be deleted immediately.

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 2020-06-05
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:
Transunion has an incorrect claim on my credit report And has deducted XXXX points from my credit score. I never received any treatment or XXXX  at XXXX XXXX XXXX. I am a female and not a male. When I called XXXX XXXX, the collection agency for this account, they claimed it was for a XXXX  XXXX ( XXXX  ) and the patients name is XXXX XXXX XXXX. This is not my name or gender. I have filed a case with the FTC and law enforcement about this charges yesterday because Experian has deducted XXXX points from my credit score also. Please remove this charges from my credit report. I am a good citizen that has always paid all my bills on time. This is so unfair to me and a nightmare. I used to be married to a XXXX XXXX XXXX and had a brother in-law with similar initials. I divorced XXXX over 3 years ago and moved from that address in 2017. Please fix this because its giving me nightmares. XXXX XXXX XXXX is not a variation of my name but the credit reporting agencies have added that name to 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
Consumer complaint received 2021-05-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2017, an unauthorized charge of {$9700.00} was made to my Citi MasterCard. I notified Citi customer service immediately upon receipt of the statement, and was assured that no further actions were required by me to resolve the problem. I filed complaint # XXXX with the CFPB that I have been denied relief. In their response, they dont deny that the charge is unauthorized. Instead, they deny responsibility for obscure technical reasons, which do not change the guarantee made to me by them that I am never responsible for unauthorized charges. I accepted the instructions given me by their customer service department as legitimate. If they were inadequate or improper, the liability for that should lie with Citi, not 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 2023-07-12
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: EQUIFAX, 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:
I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Experian Information Solutions Inc.
State: MN
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:
Multiple addresses on my report I have never lived at or are not associated with in anyway. Im nervous of identity theft. The only address that should be on my report is on my drivers license.

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 2021-03-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX, after having started the refinance process back in XXXX of XXXX, I was told that I was declined due to a debt to income ratio of 53 %, I have provided to Penny Mac my bank statements and tax returns that show my taxable income in XXXX was {$130000.00} and that my taxable income in XXXX was {$190000.00}. 
The loan I am refinancing is currently 3.625 % with a payment of {$2400.00} per month XXXX XXXX XXXX. The principal amount is {$340000.00} with an appraised value of over {>= $1,000,000}. The loan I am applying for would be a 30 year conventional at 2.5 % with XXXX of a point buy down. The payment would be approximately {$2000.00} per month XXXX XXXX XXXX. 
My monthly bank deposits support my taxes. Explain how you can you decline me on a debt to income ratio of {$2000.00} a month mortgage against {$190000.00} of income. 
Penny Mac has extended the rate lock twice at their expense, since any delays have been on their part. I have left several phone calls and sent 3 e mails requesting a call and have not been able to get an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
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:
I have mailed numerous letters pertaining to my credit report and the incorrect information reported in it, to no avail have I received responses from the credit reporting bureau agency Equifax. It has been over 60 days since I sent the first request via certified mail with return receipt to investigate into my credit report. The first letter sent to this reporting agency was XX/XX/2020 ( I will include these receipts ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday XX/XX/2020 I had receive a phone call from the bank about a transaction at XXXX. Someone took XXXX out my account. I called the bank back and informed them that it was not me I was out of town that day so they mailed me a new card in the mail. On Sunday XXXX XXXX I seen that another XXXX was withdrawn I was still out of town I called the bank filed another claim. I got a respond to my claim when I had called the bank a few days later they stated that they denied the claim. I asked what reason they told me video footage. I ask the how can that be when I was out of town. They told me I can file a rebuttal. So I sent flight information as well as my photo ID they denied the rebuttals due to inconsistency. I asked them what inconsistency where there. No one could provide me with a answer. And they stated there is nothing else I could do.

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 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a fraudulent account on my credit report From XXXX energy, that I have faxed police report to their fraud department Yet acct remains and hurting my credit

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 2018-10-25
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Multiple Requests submitted

for Request for Mortgage Assistance/Workout/Modification. Multiple correspondence to request for adjournment to a later date to have review of RMA. Denied due to 37 days or less from sale date. Denied in writing regarding adjournment and then the plaintiff does grant an adjournment prior to the written notification. No one notifies me until after I called several times and corresponded through email and through a complaint on this portal ( CFPB ). Received a new sale date ofXX/XX/18 still less then the 37 days law to review an RMA. Why adjourn for 28 days and not the 37 days? Use my adjournment at the XXXX  County SHeriff 's office on XX/XX/18 to have the date moved to XX/XX/18. This moves the sale date 56 DAYS from the sale date. More then enought time to review and workout the loan modification. Submit all pertinent information with another formal request for a review of an RMA on XX/XX/18. Submit the XXXX County new sale date to show the date has been moved to XX/XX/18. XXXX XXXX from attorney 's office XXXX ( XXXX  hired attorney ). FIRST CALL from their office after many non returned calls and/or correspondence. She was calling to let me know NOW the new sale date they postponed till is XX/XX/18. This was set onXX/XX/18 and only receiving a call to notify me on XX/XX/18. Explained the situation but the attorney just reminds me they are only hired for the foreclosure and the decision is on behalf of the bank. Just reminds me to call SLS again to make sure they have my new sale date and to request a workout with them. Called SLS Yesterday XX/XX/18and spoke to a representative XXXX to ensure the documents that were received AGAIN ( 2nd request ) for the RMA request and workout. Please note that I have been using the same email address to correspond to SLS and had no issue prior of them uploading requests and documents into the system. As of yesterday the documents and request below that were sent at XXXX XXXX on XX/XX/XXXX were not uploaded or even documented that they were received. I find this very frustrating and unfair as I have been told by numerous SLS customer representatives that it takes 24 hours then you will see the items in their system. It was over 48 hours and still nothing. Why???? I fill the bank XXXX/SLS are not be fair to me the consumer for this loan. This is a not fair housing opportunity to have a workout/modification for the loan on the property. This is yet another attempt to have a FAIR review since NJ CItizen Action Agency and I have worked on the financials and are confident that the loan can be brought current and the bank can have the money owed to them if a modification is put in place.

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 2018-03-02
Company: Community Health Investment Company, LLC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent XXXX a request for validation of an alleged debt. The response sent to me is attached, but it does not constitute validation, pursuant to FDCPA. The information that was sent to me was simply VERIFICATION that an account was owed to XXXX XXXX  XXXX XXXX. The amount that is said to be owed is not congruent, and XXXX has not proven that I am the person who signed a contract with their company or anyone else or that I owe XXXX. 

The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. 

Also, the dates and amounts being reported on my credit report are not congruent to the dates and amounts that were sent. I have attached my proof. This entry on my credit report has so many inconsistencies and I do not have a contract with this agency, and I want it deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : Credence Resource Management Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have no knowledge of this please remove immediately. Thank You sincerely, 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