BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
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: Account status incorrect

Complaint:
i have never been late to this account. i have records of all my payments sent to XXXX XXXX and XXXX for this vehicle. 

on the month of XXXX XXXX apparently misplaced my check and payment. 

i paid my XXXX payment on XX/XX/XXXX Check # XXXX i paid my XXXX payment on XX/XX/XXXX check # XXXX i paid my XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. 

later on i spoke to XXXX and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.

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 2018-01-26
Company: Ocwen Financial Corporation
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 information incorrect

Complaint:
On XX/XX/2017 I attempted to make a payment on my account. When I called the system kept kicking me out and I wasnt able to make my payment. I also tried to make the payment online and I wasnt able to. I have let Ocwen know and explained what happened to them and asked them to remove the late payment considering that it was their system that messed up and wouldnt allow me to make my payment. I was able to make my first mortgage payment but I was not able to make my payment on my second account. All I want is for them to remove the one late payment on my account that was caused when I wasnt able to make a payment through the phone/internet payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Some BTC holdings ( XXXX BTC ) were sold on XXXX/XXXX/2018. The funding destination selected was the XXXX XXXX account number ending in XXXX which is attached to my account. The total of {$10000.00} was to be transferred via ACH within 4-6 business days as stated on their site. The transfer never materialized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: SECURITY CREDIT SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed this information and found on my credit report. I have never did business with this company. I do not owe this depth

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I used Western Union to send money to XXXX, XXXX. The recipient was not able to pickup the money due to local identification rules. I ordered the cancellation and refund of the money through the telephone. They did say that it was cancelled and refunded directly to the card ; which was false. Then I chatted with an employee through their chat system ; the employee stated that she cancelled transaction and issue a refund. Then I went to pick up the money, but the transaction number provided to me was not correct. After that, I went to the originator XXXX XXXX and tried to pick up the money, as instructed via telephone conversation wit a the call center attendance ; they said that the transaction was not found, even with a new number that was issue to me after I called three times. I asked to speak with a supervisor at XXXX who did not know what to do. XXXX employees maltreated me and were somewhat offensive toward me. The total amount to be refunded was {$350.00}. I spent more than half a day trying different Western Union establishments, as instructed by the company 's attendants. My time and money spent doing this was lost. ( WU are not going to pay for the time lost. ) Western Union and its affiliates are cheating the public. If the individual does not know how to work the system or is in fear of deportation like the majority of Western Union customers, they will loose lose the money, and probably the company will keep the money in its arcs. They are cheating the immigrants individuals that work hard to send money to their families in XXXX XXXX and probably other countries. The CFBP can not allow this to continue and thoroughly investigate all instances of this type of fraud committed by Western Union and other companies. The Congress should start an investigation over these practices of financial fraud of our hard working immigrants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX  XXXX  InXXXX XXXX, FLXXXX  ( XXXX XXXX XXXX 2. XXXX  XXXX  XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

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 2017-12-08
Company: EQUIFAX, 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:
As of XXXX 2017, Equifax has not fixed the error that 's on my credit report. I have contacted Equifax and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted Equifax on several occasions to remove this account from my credit file. I disputed this account with Equifax and Equifax has not done anything about it. I even asked Equifax if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. Equifax does not respond or they take well over 30 days to respond if they feel like it. Please have Equifax remove this account from my credit file immediately. I even tried calling Equifax to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Company verified they received my later on XXXX. Since that time I have phoned several times in regards to Fair Collection accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g -  Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager SPAR states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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 is missing that should be on the report

Complaint:
I wrote the company, Bayview Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX regarding their non-reporting of my mortgage loan payment history, ( loan # XXXX case # XXXX ), and I complained that they had not been reporting my mortgage payment activities to the credit agencies. They replied in a XX/XX/XXXX letter and said, " Due to your bankruptcy Chapter XXXX Discharge on XX/XX/XXXX we are unable to report your loan to the credit bureaus as it appears the debt was not reaffirmed prior to the discharge. Please note that if you would like for BLS to report the account to all pertinent credit bureaus, you must send us the reaffirmation agreement filed through the court. Once supporting documentation is received we review and update the account accordingly. '' I don't want to revive issues that were settled in a XXXX bankruptcy, I just want my loan and payment history reported. They are blackmailing me to accept new debt and are preventing me from an accurate credit payment history. Their actions are damaging to my ability to manage my credit and finances. Can you help me? Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: ENCORE CAPITAL GROUP INC.
State: MI
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 letter to Midland MCM on XX/XX/2020 asking them to validate an account that they are reporting on my credit report. I requested the original application with my personal signature on it and have not received it. 

I am a XXXX working with COVID-19 patients everyday and that alone is extremely stressful. Not to mention risking my own life day in and day out going to work taking care of infected patients. To add to my stress, Midland MCM keeps reporting something on my credit that does not belong to me. This is more than I can bear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
These five accounts listed show the wrong status & balances on the credit reporting bureau. I have previously contacted the credit bureau. 


XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: EQUIFAX, 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:
To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my Equifax credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by Equifax and XXXX XXXX. Equifax has repeatedly refused to block items by XXXX XXXX  on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX  has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
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:
XXXX breach has cost me and consumer billion of  dollars XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open cra violation not mine no knowledge of acccounts Payment Status Current Status Updated XX/XX/XXXX Usage 111 % Balance {$7200.00} Balance Updated XX/XX/XXXX Credit Limit {$6500.00} Monthly Payment {$210.00}

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 2019-07-02
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this claim on all three reports for over 1 year now. I sent notarized letters, disputed through a credit repair paid company do no avail. I called and spoke with three different people on a call that took over 1 hour. I told them I DO NOT have a balance due and I am not the one who has an account for {$240.00} for XXXX - The representative pulled up an account that was only XXXX cent! They told me they found a true account that I was able to verify was MINE for XXXX cents. I was told they will investigate the fraud account stated here and I would get a letter. On XX/XX/2019 I got a letter stating the account was MINE. There were no more calls, proof of ID 's shown to open an account or where hte account was located. I now have damaged credit and a victim of fraud twice, with whomever opened this account in my name ( AND they used my maiden name, XXXX and not my legal name to open it which is XXXX ).  This company should have to provide proof of IDs shown to open this account - and to say they have another account with only XXXX due that is NOT on my credit that I was able to CONFIRM was in fact mine, then leave this fraud account in my name in collections for {$240.00} does show a direct attempt to cause harm to my credit report knowingly.

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 2021-07-20
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX SLS appeared on my credit report, I have never heard of this company. This Is account is falsely being reported to the credit agencies. This foreclosure happened in XX/XX/XXXX. There was a zero balance was left with XXXX XXXX, the home collapsed and doesn't exist anymore. I received no documentation regarding any outstanding balance in XXXX XXXX years. I have never received any debt validation letters from SLS. This company is in violation of the FDCPA and FCRA.

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 2019-07-02
Company: Experian Information Solutions 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:
My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. 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 non-monetary relief
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I did not know that Equifax got hacked in XX/XX/2017 and never received notification in the mail as they stated they were going to notify everyone affected. 
My homeowners insurance is coming up for renewal and they can not renew it because Equifax put a flag on my account when it got hacked stating Potential Fraud. 
Equifax refused to remove this even though I gave them PLENTY of personal information that would prove that I was who I was in able to get the flag removed. 
I am not able to aquire homeowners insurance because a Company that I DID NOT GIVE PERMISSION to receive and store my personal information let it be stolen. 
They stated that my NAME, SOCIAL SECURITY NUMBER, BIRTHDATE, ADDRESS, WORK HISTORY and everything else they collect got stolen. 
*I WANT A NEW SOCIAL SECURITY NUMBER XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Waypoint Resource Group, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to Waypoint Resource Group Several times, by phone and E-mail, to which I have not had a resolution. 

A collections account was placed with Waypoint Resource Group from XXXX, Client Reference #  XXXX. This account was quickly settled with XXXX, the original creditor, directly ( Proof Of Payment and Communication from XXXX, attached ). Such account was agreed, in writing to be retracted and removed form Waypoint Resource Group as the Creditor. As stated, Waypoint was contacted and advised of such, in addition, I requested to have a deletion letter forwarded to myself and for such account to be reported, accurately, as deleted to all, credit bureaus. 

I have not heard back from Waypoint Resource Group and am now demanding that they address this account in a quick and timely fashion by providing a, over-do, deletion letter and prompt reporting to the credit bureaus of their dealings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: STERLING JEWELERS, INC.
State: CO
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 had my credit pulled recently and I was looking through it and it came back showing I have late payments for the dates : XX/XX/16, XX/XX/16, XX/XX/16 & XX/XX/16. 

I have tried to reach the department various times and I have no luck. 
I am in the process of trying to buy a house and need these removed from my credit report please. I had an account with Kay Jewelers and always paid on time, until there was fraud and identity theft with my bank and they were unable to process payments that I made to you all. I made my payment in full and decided to close the account but am looking to in the future reopen my account once I have bought my house I hope the late payments can be removed from my credit report. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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 fraud alerts or security freezes

Complaint:
I have been in contact with all three major credit bureaus to request " CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request " REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX XXXX '' and " RE-INSERT OF XXXX XXXX MORTGAGE ''. Supporting documentation is attached.

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