BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hello, This is my 2nd time attempting to have my credit report corrected. I see 3 late payments reflecting on accounts that I was not late for. As a consumer reporting agency you have assumed the vital role and responsibility to report consumer information to the best of your maximum accuracy. I have not been late on payments for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please reasonably re-investigate the completeness and accuracy of these accounts and provide proof with statements showing that you have verified these payments were late. If proof can not be provided please promptly update these accounts to accurately reflect on-time as they should be as I was never late. 

Thank you for your attention in this matter. 

Attached are my Drivers License and SSN for verification

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 2020-06-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I noticed several hard inquiries on my credit report. I reached out to XXXX the company who pulled the hard inquiry, after several week going back and forth XXXX XXXX XXXX informed me on XX/XX/2020 they would notify Experian to update the inquiry from a hard inquiry to a soft inquiry. As of today XX/XX/2020, nothing has been.

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 2019-11-09
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this debt and yet they continue to report to my credit report as collection account. I am a XXXX XXXX XXXX Veteran and have free healthcare due to my XXXX. This company has purchased a debt and is illegally reporting it without even verifying any information. All health insurance claims are to be billed to the XXXX regional VA, where they are covered. I shouldn't have to fight a collection agency over a medical bill when I have full coverage insurance. This is crazy. They don't even report my address correctly. I have never received any validation. You now have stated what the bill was for, by listing personal details which violated my privacy acts as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
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 notified Transunion that my score dropped 80points within 30 days time in error. XXXX XXXX reported a XXXX late payment twice when they should have only reported once. I called the company and even got the XXXX XXXX XXXX involved. XXXX XXXX then had the missed payment removed. Transunion however has not and will not fix my score. I called them today to tell them that when a late payment is removed, I should see a good increase not a huge drop. Also, I told them I should have never lost 20 points for them reporting the same missed payment twice then when they update you and let you know theres an error on their part, it should have been a 60 point increase instead of a 60 point drop. Im trying to buy a home and this is ridiculous & XXXX  me. The transunion rep told me he didnt have to explain to me why it dropped and that the score is final no matter what because its the system meter. Nothing they do manually. This isnt right and something needs to be done ASAP because I work hard on my credit. 


-XXXX XXXX XXXX issue- I have reported for two years to the bureaus that XXXX has provided inconsistent information regarding money owed and dates of delinquency along with account closing dates amongst all bureaus. Not only that but neither company adhered to the Texas law for repossession of vehicles. Instead of all the bureaus recognizing and properly investigating these two accounts, they just reply with the same answer as account has been verified. These accounts need to be removed from all credit bureaus. XXXX  is the only one that removed XXXX XXXX. Please have all bureaus remove the XXXX & XXXX XXXX Thanks

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 2017-09-22
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently assisting XXXX XXXX XXXX in the above-referenced matter. We write this letter in response to your rebuttal letter dated XX/XX/XXXX.
In your rebuttal letter you claimed that you submitted a request for the Mortgagee Optional Election ( MOE ) to the Office of Housing and Urban Development ( HUD ) onXX/XX/XXXX. Further, you claimed that HUD responded on XX/XX/XXXX, denying the MOE because XXXX XXXX  was not married.
In response to your rebuttal, XXXX reached out to HUD to confirm the decision you claim HUD made on XX/XX/XXXX, and we were advised that HUD made no such decision. Furthermore, XXXX XXXX, Attorney-Advisor at the HUD Region IX office confirmed that the guideline, which was provided to you in our initial correspondence dated XX/XX/XXXX, was accurate and correct.
YourXX/XX/XXXXrebuttal not only misrepresented your actions to XXXX but also to the CFPB, the regulatory agency charged with investigating this complaint. Your rebuttal also misstated the actions of HUD, a federal agency that insures the above-referenced loan. Whether these actions were done purposely or through error, it impacted my client negatively. That said, my client continues to seek resolution to this issue.
To that end, on XX/XX/XXXX, Financial Freedom sent toXX/XX/XXXX a California First Amended Tolling, Forbearance and Release Agreement ( the Amendment ), which requiredXX/XX/XXXXto complete and return the Amendment to Financial Freedom no later than XX/XX/XXXX Although Financial Freedoms XX/XX/XXXX letter is addressed to XXXX XXXX XXXX XXXX has not received it to date.
On XX/XX/XXXX we spoke with a representative of Financial Freedom and requested a deadline extension to XX/XX/XXXX. This request was made in order for XXXX XXXX to have the necessary time to seek independent legal counsel and to consider all of the options available to him in this matter. During this telephone conversation a supervisor by the name of XXXX XXXX provided an extension until XX/XX/XXXX.
Later, on XX/XX/XXXX we again spoke with a representative of Financial Freedom and requested an additional extension for XXXX XXXX to review the Amendment. The representative again consulted with XXXX XXXX and provided an extension until XX/XX/XXXXand requested that XXXX request, in writing, written confirmation from Financial Freedom stating that Financial Freedom had provided the time extensions referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Skrill USA, Inc.
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My business opened up a new merchant account with XXXX XXXX, which was approved on XX/XX/2022. We were up and running with POS equipment for approximately a week when they canceled our account and sent us a notification that we needed to return the equipment. This was on XX/XX/2022. After inquiring for further information, they advised that our business was placed on the MATCH list, aka Terminated XXXX XXXX XXXX. Never having heard of this, we did some research and realized that there was nothing that we had done that would be a criteria for being placed on this list. They advised that their risk department, which is Paysafe, had flagged us and advised them to terminate our account. Paysafe advised that we were placed on this list by XXXX XXXX XXXX Bank, who advised it was not them, it was XXXX and gave me an email to contact them for further information, which was XXXX. After inquiring with them, they advised that my name personally ( I am a co-owner of the business ), has been flagged as a victim of Identity theft therefore putting our business on the MATCH list. I contacted all parties, XXXX XXXX and Paysafe to request them to investigate the situation more thoroughly as we were not the perpetrators and that XXXX advised they could contact them to confirm same. Paysafe has our money on a 180 day hold. The estimated amount of money that they are holding is {$6500.00}, but this is not verified as they have not confirmed the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Prosper Marketplace, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
As of XX/XX/21 I was contacted by an agent that states his name was XXXX XXXX working for Prosper Loans and that I was approved for the loan amount of {$3000.00}. He provided a contact number of XXXX and stated that the repayment would be {$170.00} for 18 month term starting in XXXX. I stated that would be affordable to me. He then Proceeded to say because my credit score was not in good standing that I would have to pay the origination fee of {$220.00} via XXXX Gift Card. I go and buy the card and send the picture Gia text with the scratched code from the opposite side so he could redeem the amount for the loan. Afterwards he says I have to pay another {$200.00} because the card did not accept it because I went over the gift card limit. Then he stated that he could release the funds into my account within 10 minutes but I needed a PPI code. Im like what is that, he was like its mandatory to have this for the loan protection from the borrower in case you get hurt or lose your job. Okay that was another {$370.00} in XXXX  card. After all these accidental government hold fees, loan filing fees, bank to bank fee, state tax, I ended up sending them {$2800.00} in eBay gift cards. They say they are unable to cancel the loan request and refund me my money because they dont work like that the loan amount would need to be sent XXXX to get it without a hold which was another {$500.00}. Then I speak with another rep by the name of XXXX XXXX who says he is in the lending department and is unable to cancel the loan. Then I speak with XXXX XXXX and he also says that he is unable to cancel the loan and refund me but he can send the funds via fed ex in a check form but I would need to pay the courier fee of {$350.00} which at this point I didnt have because he used all my funds I had in my account promising me the loan would get debited once all the fees were satisfied. I still have not received the funds after being on the line with them over 8 hrs on XX/XX/21 & XX/XX/21. He then text me multiple times trying to convince me paying {$350.00} more will guarantee my funds by the morning of XX/XX/21.

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 2023-10-15
Company: Resurgent Capital Services L.P.
State: MO
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute the {$390.00} for over a year now with multiple disputes. I have not received any items from this company. I have asked the company if they can provide me with the tracking number so that I track or see if the item was delivered. LVNV FUNDING LLC has refused to give me any information so I could dispute it with credit bureaus. This company has also added this on my credit report without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: WorldRemit Corp.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
WorldRemit Corp cancelled my transaction and disabled my account without notifying me of the reason why. This happened when I already had a pending transaction. I called them, waited for 45 mins before I got hold of a representative. The representative claimed that I should be getting my refund but there was no confirmation email or anything. This is not ethical and very suspicious!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I issued a dispute with Experian concerning my XXXX XXXX XXXX  account reporting inaccurately. The XXXX XXXX XXXX  account was charged off in XX/XX/XXXX and sold to XXXX. However, XXXX XXXX XXXX  was reporting the CR as if there were late payments. I also asked the account to be updated to a paid charge off as I had paid the XXXX account as requested. On XX/XX/XXXX, I disputed the account once again to remove the late payment activity and on XX/XX/XXXX Experian updated my account indicating yet another failure to pay account activity for XX/XX/XXXX and that in fact lowered my score that day 14 points. I have since disputed the times again over three times with both companies to have the issue resolved. XXXX XXXX XXXX  should not be reporting any recent activity as they were paid in XX/XX/XXXX when they sold the account. Each company keeps telling me to dispute with the other and the results continue to be the same with no correction. I was told that the decrease in points was due to my dispute and the update to my account. Experian is reporting the balance was updated to {$0.00} on both months but that is not a change as the balance reflected that in XX/XX/XXXX when XXXX took the 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 2021-04-07
Company: Debt Recovery Solutions, LLC
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:
These accounts has been sold or transferred and I am no longer liable for this alleged debt. My consumer rights under FCRA AND FDCPA has been violated as well as my privacy under the HIPAA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
My account number is XXXX. 

This was a XXXX year rolling XXXX that I have had for some time. 

I learned through a letter in the mail that my XXXX which matured on XX/XX/XXXX was rolled without notice into a new XXXX year XXXX at materially below market XXXX year XXXX rate of 0.10 %. This new rate was much lower than the prior years rates despite the XXXX XXXX bank raising short term rates 1.00 % in the last year. Competing rates at other banks are in the 1.3 % to 1.5 % range. The rate provided was also below the XXXX year XXXX offered to other people on the M & T website. 

I was never informed before hand and the letter I received from M & T bank dated XX/XX/XXXX ( weeks after the roll ) and received XX/XX/XXXX ( no idea how it takes 9 days to get a letter XXXX was after the grace period to prevent the " off market '' automatic XXXX roll. 

Because of the large rate discrepancy between M & T bank and other banks it was economic for me get my money and deposit it elsewhere. This could only be done though going to a branch payment of a penalty. This was not appropriate given the lack of information and lack of opportunity to withdraw with no penalty. I was effectively forced to pay the penalty given the longer term harm of waiting a full year at close to a XXXX interest rate. 

When discussing this on the phone with the bank and with the branch representative, they both assert that I received a letter to my home prior to the XXXX maturity which included the terms of the automatic roll. I never received this letter. Additionally it seems that if the impact of doing nothing and letting the older 1 year XXXX automatically roll into a new 1 year XXXX at an " off market '' rate, proper initiative is needed to make sure customers are aware of what is happening. 

Explained this situation to their customer service and to the branch representative but was still forced to pay the early withdrawal fee

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 2017-09-22
Company: Commonwealth Financial Systems, Inc.
State: TX
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:
requested back up for debt commonwealth stating that I owe. ( my original letter attached ) this is the 2nd complaint I have filed and no results from company they sent a 1 page letter ( attached ) there is NO Back up Here is the response they sent thru your website and now it was closed out. 
I WILLNOT CALL TO DISCUSS INFORMATION WITH COMPANY I WANT DETAILED BACK UP TO SHOW DETAILED INFORMATION ON THIS DEBT all you get is the run around responded Status Company responded on X/X/2017Response TypeClosed with explanation Company 's Response RE # XXXX {$180.00} To Whom It May Concern : This letter is confirmation that a complaint was received from your office on behalf of XXXX XXXX, Please be advised there is no documentation on the above account that the attached letter was received. Commonwealth Financial Systems will send XXXX validation of debt. Collection activity will cease while the account undergoes investigation and in addition our agency will send a deletion request to the three major credit reporting agencies. XXXX can contact our office should she have any questions by calling our toll free number XXXX ext XXXX. This extension will put her directly with our collection manager, XXXX XXXX XXXX. She can send any correspondence that may prove that she is not responsible for this debt to our office by mail XXXX XXXX XXXX XXXX XXXX, PA XXXX, fax { XXXX } XXXX, or email XXXXXXXXXXXX. Please do not hesitate to contact my office for further assistance. Thank You. Sincerely, XXXX XXXX Client Services This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: FL
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:
XXXX # XXXX NAME : XXXX XXXX XXXX OWED : XXXX 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions 15 USC 1681 Section 602 A States I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
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:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 2022-11-27
Company: EQUIFAX, INC.
State: IL
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 have inquiries on my credit report that need to be removed. I didnt authorize inquiries to my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked that these be removed XXXX ago without a response.

Company response to consumer: Closed with explanation