BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
Company: Experian Information Solutions Inc.
State: NJ
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 disputed some erroneous late payment reporting with Experian Credit Bureau. Also XXXX XXXX purchased XXXX 2010. This is when the name was changed to XXXX XXXX. But Experian Credit Bureau is reporting 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 2023-01-26
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have fixed conventional mortgage with Flagstar Bank in XXXX for home since XX/XX/XXXX, by XXXX after paying same monthly payment for over a year, they reported an escrow shortage. They demanded that we added {$1100.00} on top of our {$1900.00} payment for all of XXXX and still insists that the escrow was in shortage of - {$3700.00} after records show we paid over {$16000.00} to escrow that year with only {$7800.00} real property taxes and {$2400.00} home insurance, {$1500.00} flood policy. We are moving the mortgage to another company but they indicate the bank is asking more to close with more money added to principal balance.

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 2020-01-03
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am disputing this debt because it is a billing error and I do not owe it. This debt is regarding XXXX XXXX  done at XXXX that was billed incorrectly to my insurance with the wrong diagnosis codes. I have explained this issue to the provider at XXXX XXXX, XXXX in person, via phone, via fax, via email and no one seems to care to abide by best practices and update this error. The billing was to be updated as XXXX XXXX for XXXX/XXXX for a XXXX XXXX XXXX  and the start of XXXX XXXX for the start of XXXX school. This is disheartening as I have always had full coverage medical insurance and also as a XXXX XXXX XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, this debt has been disputed through all avenues and has yet to be rectified. Because this debt is disputed, Radius Solutions should not report it to the credit reporting agencies. But they have, again I am requesting the removal of this error and to update and contact the credit reporting agencies. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland has not removed this debt collection of my credit report even though the collection was paid .Disputed the information through XXXX and the information was updated as if I still owe I would like this account to be removed off my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-07-13
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX 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 2018-12-24
Company: First National Collection Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First National Collection Bureau uses intimidation tactics, many phone calls and letters to attempt to collect from XXXX XXXX  XXXX  -which is not related to XXXX XXXX , even if I have repeatedly written to them informing them that I am not the person they are looking for and not even had ever any accounts with that " bank '' in Nevada . I am a current account holder with XXXX XXXX XXXX, in good status and never had any contact with any collection agency representing my banking institution. They are either " phishing '' to see if any innocent bystander answers, or re-dating debts that are not even mine. Not even my name is correctly stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
US DEPT ED XXXX Balance Owed : {$7900.00}.

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 2021-07-18
Company: Credit Control, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I the natural person XXXX XXXX received a letter from Credit Control that I owed a debt of {$16000.00}. I have never done any business with Credit Control and according to the FDCPA these are violations to my consumers rights. I have a written down the violations and mailed an invoice of {$1000.00} for each violation which is my right according to 15 USC 1692k civil liability.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or remove the listed incorrect information on my credit report. 

XXXX XXXX XXXXXXXX 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In 2020 I noticed that My Credit reports were not correct as I went through the mindless process I contacted all 3 agencies. Transunion and XXXX showed incorrect information sometime later I noticed that I had XXXX XXXX inquiries on all 3 reports. I contacted all 3 XXXX said they investigated. I told them about all 29 early in the day that night late I was alerted that they were all valid. The same with Transunion they both refused to dispute any of these since .I started noticing I was being reported for hard inq. for things I didn't apply for. I froze all 3 accounts or so I thought. XXXX was the only one that froze my account. Now I have Fraud alerts I can not get rid of on all accounts I need XXXX and Transunion to stop playing XXXX and remove all these inquiries and one write off for something called 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2018-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-01-03
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank let someone else 's tax refund go into my account I called the bank and told them it didn't belong in my account the bank rep said well if the IRS put it there then it belongs there. So I am thinking well maybe it was owed to me. I get SSI and I am not allowed to have over {$2000.00} in my account at any given time so I withdrew the {$XXXX} after waiting almost five days after I informed them, still they did not take it out so I did and it got stolen from me I tried to make a police report but they almost laughed at me because I told them XXXX  dollars was stolen from me by a guy who gave me a ride to the bank and all i knew was his first name and what kind of vehicle he drove which had paper dealer plate on the back nothing on the front so the police said you want to file a report on money that was not yours that was stolen from you from a guy with the first name and a vague description of his vehicle,? And I said yes they looked at me like I was insane and kinda laughed under their breath. This was in XXXX of 2019 of which i had spoke to an officer who said I might be charged with fraud because I took the money out of my account I told him the IRS put it in my account and the bank did not try to return it. XX/XX/XXXX the bank put a hold on every dime I had saying the IRS put the hold on it they did not because I called them. So they took over {$300.00} of my money and told me they were closing my account on XX/XX/XXXX which means they also plan on taking my XXXX and XXXX income!!! My phone is going to be shut off my rent is due I wont be able to pay my car insurance or storage lot fee where my fifth wheel trailer is being stored and they told me to call the police officer whom I spoke with already in XXXX Who has not called yet.

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 monetary relief
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: NJ
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:
Please help me. I recently reported a fraudulent account to the FTC and I am now submitting this complaint so that this account can be removed from my report. I am trying to pursue a new business venture and this account is really hurting my report. Please remove it as per section 605 of the FCRA. This account must be blocked and removed within 4 days of receipt of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Chime Financial Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I had received a card previously from chime and went down to load the card at XXXX I put {$440.00} on it I had activated the card previously with the phone number on the back of the card I went shopping at XXXX and went to use the card and it wouldn't work and they informed me that it might be a timeline of when the money was there so the next day when I got up I called and it said my money was there so I paid my phone bill my power bill and my water bill and I had {$180.00} in cash left and it wouldn't let me draw any money off in cash or put gas in my truck they still owed me {$180.00} and I got an email stating they were closing my account and I had to wait for 90 days to get my money back from them I didn't do anything wrong and I don't understand why I can't get gas or get my money back but they won't even talk to me about it now because the accounts closed and when I try to email them it says the email address is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
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: Information is missing that should be on the report

Complaint:
The following accounts were previously reporting on my Equifax report and now they are not. 

1 ) XXXX XXXX Acct # XXXX ( Authorized User ) 2 ) XXXX Acct # XXXX ( Authorized User ) I am in the process of purchasing a home and by these accounts not reporting ( it was removed and stopped reporting ) by Equifax it lowered my scores significantly. 

I am purchasing a home and need these accounts to go back to how it was and report on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was stolen in XX/XX/XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY:XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY:XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2018-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-10-04
Company: Paypal Holdings, Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 at XXXX am, I stopped by this ATM at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to withdraw {$400.00} in cash on my Paypal debit card. The machine gave me a receipt and my card, but did not dispense any cash. On the receipt, it clearly states " Transaction Denied '', but I received an immediate notification from Paypal that the money had been debited from my account. I reported this immediately to Paypal and they opened up an investigation. I also called XXXX XXXX XXXX to report the malfunction, but was told that since I'm not a member of their bank, there wasn't anything they could or would do for me. They suggested I contact Paypal, which I had already done. Days later, Paypal made a temporary/provisional {$400.00} deposit, pending their investigation. Shortly thereafter, I received an email from Paypal telling me that XXXX provided logs of this failed transaction and they were satisfied with the verbal guarantee that the money was actually dispensed and the case was closed. I requested that the case be re-opened and that XXXX needed to provide an ATM log AND video of the transaction. Paypal re-opened the case, but immediately closed it, stating they were satisfied with the proof XXXX provided, although I have seen no proof at all and I have this little ATM receipt saying " Transaction Denied '', along with my Paypal log of the same transaction. I went to the XXXX location and asked to speak with a manager. Not only was I denied access to a manager, but they also declined to produce or provide ATM logs or ATM video of this transaction. After submitting a complaint to the XXXX, XXXX contacted the 3rd party ATM company and they both reviewed the ATM audio/video/logs of this transaction and, by their own admission in a letter to the BBB, found that the cash was NOT dispensed and their logs showed the discrepancy. They issued a refund to my card on XX/XX/XXXX, but that refund has not been credited to my PayPal account. I reached out to PayPal, but they insist they reviewed evidence to the contrary and are not only refusing to credit my account with this refund, but they have also deducted the original provisional credit amount of {$400.00} from my account, putting my account in the negative. When I asked the PayPal representative for the evidence they are referring to, he gave me an address and told me I have to request that information via a letter to their Billing Error Department, which I sent priority/signature confirmation through USPS. One of these banking establishments isn't being honest in this case, and since XXXX has responded with apologies and a refund, I can only surmise that PayPal is the culprit. How do I proceed from here? Please advise and help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: OH
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation