BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: WI
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:
I am disputing the charge that was placed on my credit report by XXXX and XXXX XXXX for {$2800.00}. I ordered a phone, XXXX, and watch from XXXX but did not receive the devices. I contacted XXXX and they told me to contact the police and file a police report, then they would send me new devices. On XX/XX/18, I contacted the police and filed a report. Then, I contacted XXXX again and informed them that I have filed a police report so they can send me new devices. However, XXXX did not send me any new device, but still charged me for them and placed me on collection for the charge. I have sent a letter of dispute to XXXX, XXXX XXXX, and the three credit bureaus ( XXXX XXXX, XXXX, Equifax ). XXXX XXXX and XXXX both deleted and removed the disputed charge from their credit reports. However, Equifax did not remove the charge from its credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card and pin was used for purchases and money withdrawals without my authorization totaling {$670.00} The bank refused this claim because they state they found the transactions were made by me or someone who had my permission. 
I claim I'd did not authorized anybody to use my card which was stolen while traveling out of the country and told them that the ATM and stores have cameras to find the culprit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2023-06-15
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:
I contacted TransUnion because their was an error in reporting my car payments. They investigated and my score when up to XXXX. Then they took XXXX points because I applied and received a XXXX XXXX credit card. I contact XXXX XXXX and they said that I my score would not be affected. XXXX XXXX said to contact TransUnion. I did and they said they would investigate. Today, I received an email and TransUnion took additional XXXX point. I am complaining because I believe that TransUnion is in retaliation for me complainin the first time. If someone is trying to improve their credit. TransUnion didn't treat me fairly at all.

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 2021-08-20
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 obtained my Transunion Credit Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my credit report. I never gave Transunion any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy. 

I wrote Transunion and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer. 

I also sent sent Transunion a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

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 2022-10-11
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
12 months ago I have immobilized the money in Binance XXXX, They say because of risk, several times they asked me to update information, id, claim letter, but the block to withdraw the money is never solved, the valuation in the account was XXXX XXXX today it is the portfolio is valued at XXXX. -I think I'm destined to lose all my money with the drop in the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Sequium Asset Solutions, LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
not original creditor account already has being move once for inaccurate information by a different company my credit score has drop over 40 points

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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 filed for bankruptcy in XXXX. Unfortunately since I had a home equity loan that I was and still am paying on it had to go on the bankruptcy filing. I noticed that my payments do not get recognized on my credit report because of the bankruptcy. I have talked to the bankruptcy dept. at Citizens bank and both ladies said not to worry they can see I am making my payments regularly. My lawyer had no choice but to include the home equity loan in the bankruptcy but I would just like the credit bureau to know that I am paying regularly and would love for the payments to show up on my credit report from XX/XX/XXXX going forward. 
From what my lawyer said the only way to correct it now would be to get another loan to pay it off. Unfortunately bankruptcy isn't something that looks good to people when you try to get a loan. As of XX/XX/XXXX to present my payments do not show up on my credit report. I received a print out from the bank that I will include.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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 submitted a dispute to the credit agencies on an account that is not mine nor can be verified or validated and now there are two accounts collecting on the same debt. Please help this isn't right They accounts are showing XXXX XXXX XXXXXXXX XXXX creditor : XXXX XXXX XXXX XXXX {$1400.00} Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1400.00} Balance updated XX/XX/2021 This is not right at all. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: ERC
State: IL
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:
I previously disputed these items and havent gotten a response its been over 30 days. I have an XXXXXXXX XXXX collection that I didnt approve of, I've taken every action I could think of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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 fraud alerts or security freezes

Complaint:
I checked my credit report on XX/XX/XXXX and noticed that a fraud alert had been placed on my file without my knowledge nor authorization beginning XXXX. I sent a letter via certified mail along with my driver 's license and a copy of my utility bill on XXXX requesting for the fraud alert to be removed. I received a letter from Experian dated XX/XX/XXXX basically stating I needed to send my written request again along with the same information I sent before with additional information.

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 2017-12-11
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This is a short sale approval issue in which I am asking SLS which already approved my short sale and I have attached the documents, including the contract executed by myself and the borrower. Therefore, I do not need a third party approval as I do not want information about the borrower. I need someone to provide us the approved extention so that I can close on the loan. I have paid attorneys, appraisals, survey, town CO fees, etc. The bank will not allow me to close until I receive this document. The seller 's attorney nor the bank are responding. I need SLS to respond immediately before my loan is cancelled!!!! 

Since XX/XX/XXXX, we have been working with Specialized Loan Services ( SLS ) to purchase a home at XXXX XXXX XXXX XXXX, XXXX, NJ. This is a short sale that they approved. Unfortunately, the seller had a lien on the property that needed to clear before we can close on the loan. Waiting caused the short sale approval to expire, they provided an extention in XX/XX/XXXX and then in XX/XX/XXXX but then they also expired. The bank will not close unless that extension is active. At this time, we have the attorney, the appraisal, the credit report fee, the surveyor, the town with the CO fees, all accumulated and we can not get SLS to respond to us with the lien settled so that we can get a clear title. Nor, have they provided us another extension knowing that they are causing the hold for us to close. We have spoken to the seller, XXXX XXXX and he wants to sell the house. He no longer lives in NJ and has abandoned the home, which by the way the town is ready to put a lien because the property has been abandoned for more then 2 years. We have everything in place to close on the loan and move to the property. We need SLS to respond!!! We need to short sales extension and need a confirmation that the lien is cleared. The sellers attorney will not respond to anyone including my attorney as they claim they are not getting paid for closing on this house, The seller XXXX XXXX ( XXXX ) is anxious in getting the house sold but also finds that his hands are tied as he can not get answers from SLS. They are located at XXXX XXXX XXXX. XXXX XXXX, CO XXXX phone XXXX. The loan number is XXXX and the seller is XXXX XXXX. Please help us get a response and the documents needed so that we can close on this purchase. You can reach me at XXXX XXXX or XXXX XXXX. My email is XXXX. Your help is greatly appreciated!!

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 2023-02-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXXXXXX XXXX BalanceOwed : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX BalanceOwed : {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Guild Mortgage Company LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid $ XXXX in arrearages and got approved for a loan modification. I received a letter from Guild Mortgage Company stating that my Escrow was short and it was short because out of the monies they received they only put in {$1.00} for my escrows monthly. Even though all of the monies that was requested was paid, Guild Mortgage didn't allocate the correct amount to my escrow account which made me short and my payment increased outside of approved loan modification amount I was approved for. 

I need someone to go back into the account and apply the accurate amount of funds to my escrow in order for the insurance and taxes increase to reflect the correct amount of around {$44.00} and not the XXXX and something it is showing that I am short for.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXXXXXX XXXX XXXXXXXX BalanceOwed : {$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 2020-12-08
Company: Experian Information Solutions Inc.
State: LA
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:
Over 30 Days today since Ive sent documentation on XXXX regarding to those unknown and inaccurate accounts on my credit report but I haven't received any reply. I was a victim of XXXX  Data Breach. I want all those account will be remove to my credit report or I will file a litigation.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion has multiple opened cases originally dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they have not responded back to me. Fcra states they have 30 days, in extenuating circumstances up to 45 days. Not 60 days at all it's well over 30 days and I have yet to receive any communication regarding my complaint. TransUnion is listed as the source furnisher. TransUnion have received via certified in XX/XX/XXXX XXXX Order Expungement/Restrict Public Access for case. My attorney states, the Court Judgement will sacrifice. They have received ftc affidavit, XXXX Police Report Case # XXXX, XXXX Police Records department to obtain a copy of police report at XXXX XXXX XXXX. 
Letter from bankruptcy Court Clerk Office, Current Copy of my Utility Bill for XX/XX/XXXX, Copy of my Driver 's License, & Social Security Card. All the requirements according to the fcra Rules for Identity Theft. And TransUnion still refuse to remove all the fraudulent inaccurately reporting information from my credit file. This is a violation of my fcra rights.

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 2020-12-30
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i received payment of {$2400.00} total from few colleagues of mine on XXXX XXXX on my venmo account, i was able to transfer the payment to my bank account but about 30 min later i received a message saying my account was frozen that i need to upload some of my document which i did but my money got moved out of that venmo account but it was not reflecting because venmo froze the transaction and the money.after uploading my document i was expecting my account to be unfrozen and my bank transfer of {$2400.00} gone through to my account but nothing was showing and my venmo account still frozen and i try reaching them but nobody was answering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've requested statement copies as well as account agreement for checking account opened with TD Bank, last request was made several weeks ago and nothing received to date. A XXXX package received from TD Bank was empty, possibly tampered with. I need statement copies from account opening to closing, the account is closed and I do not have access to online statements. I also need account agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is continuing to report inaccurate information on my credit file. 
Also, Equifax has my credit score grossly low at XXXX, despite changing and removing disputed inaccurate information. 

Equifax sent me an updated credit report recently, that shows chapter 13 bankruptcy case blocked. However, Equifax has a Court order judgement that expunged all 3 fraudulent filed bankruptcies due to identity theft and is restricted from public viewing signed by the Judge. Now, Equifax is reporting on my credit file. This should not be reporting at all. Here is the case information and resolution from XXXXXXXX XXXX XXXX XXXX, Print complaint CLOSED, Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX XXXX complaint. This item was withdrawn from XXXX XXXX XXXX ' credit report on XX/XX/XXXX. We will request a manual deletion through e-Oscar to ensure that the credit reporting agencies remove this from XXXX XXXX XXXX ' credit. We encourage XXXX XXXX XXXX to contact us directly if additional information is required. 


Collections XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$1100.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info

Company response to consumer: Closed with explanation