BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
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:
At the end of XXXX, XXXX falsely reported my account was 30 days late. My credit score with Trans Union dropped over 50 points. XXXX has since corrected this error, and my score has not gone back up. Nothing on my credit report is different. If anything, I have paid off an account, and significantly paid on other accounts. Yet Trans Union refuses to correct their error and restore my credit score to where it needs to be, despite removing the adverse information from my report. My score actually went down 2 points after they corrected this issue. How is that even possible?

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX I called Transunion to ask for the inquiries to be removed from my credit report and was told I have to file a dispute. I was also told that they can not remove credit inquiries. I have already submitted 2 different dispute letters due to noticing inquiries that had once been removed and are now showing on my most recent report again and nothing has been done. Here are the following inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX-XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/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 explanation
Consumer complaint received 2023-11-01
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
This was supposed to be resolved through the prior complaint with this organization which i believe was XXXX I had my bank wire the agreed funds to Nationstar. Yesterday, i received a check back from nationstar in the amount i wired and an additional collection letter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-14
Company: First Associates Loan Servicing LLC
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I found out from a letter sent to me for collection of a debt by XXXX XXXX XXXX in the amount of {$18000.00} on behalf of XXXX XXXX XXXX XXXX for a student loan I never authorized or knew about made by XXXX XXXX XXXX. If ANY Personal loan was taken or entered into by XXXX XXXX on my behalf I did not authorize the loan, was not aware of ANY loan or told about such a transaction and it would be fraudulent and WITHOUT my consent, I need am trying to get this loan removed or discharged and have not recieved response from XXXX. I have disputed this fraudulent loan with XXXX, I have filed a police report with our local Police Dept for identity theft. Please help me to get this fraudulent account closed and removed from my credit report. I can send a copy of the police report and letters sent to the collection agency and XXXX if needed. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: SYNCHRONY FINANCIAL
State: AR
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, SYNCHONY, XXXX PULLED W/O SIGNATURES.

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 2018-10-01
Company: Regional Management Corporation
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:
XXXX XXXX XXXX was paid in full and agreed to remove negative reporting from my credit report. The company is still reporting on my credit and is stating that I paid less than the full balance. I have letter from the company, emailed to me by XXXX XXXX emailed to me on XX/XX/XXXX. I paid {$950.00} on XX/XX/XXXX. The letter was signed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Initiated a wire transfer from Coinbase to my bank account in early XX/XX/2017 for the amount of {$10000.00} USD. 

Despite having opened two separate support tickets with Coinbase, and sending multiple followups to each, we have not received more than one ( auto-generated ) response from Coinbase, merely telling us to wait a few days longer. 

It has now been almost two months ( 60 days ), and still no further reply from Coinbase, and the transaction has not yet been sent to our account. This delay and non-responsiveness is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for an HSBC XXXX  checking account in XX/XX/XXXX using an online link that offered a {$450.00} welcome deposit. After successfully completing all qualifying activities described in the promotion, {$450.00} was never deposited into my checking account. 

Contacted HSBC several times regarding the welcome deposit in XXXX, and again in XXXX. On XX/XX/XXXX, HSBC customer service stated that the account wasn't opened using the advertised promotion and she would seek manager approval to see if an exception could be made.

Months later, {$450.00} welcome deposit has not been received and bank did not follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX ; DO YOU OWN THIS ACCOUNT? HAS THIS ACCOUNT BEEN INCLUDED IN ANY LAWSUITS AGAINST XXXX XXXX? 

XXXX XXXX ; YOU ARE REQUIRED TO RESPOND TO DIRECT QUESTIONS TO XXXX XXXX. 

WILL YOU GRANT ME A QUIT CLAIM DEED? IF SO PLEASE TELL ME HOW TO REQUEST THE QUIT CLAIM DEED. 

HAS THIS ACCOUNT BEEN LIQUIDATED AND INCLUDED IN A SETTLEMENT? 

I AM WILLING TO work with XXXX XXXX to grant me a quit claim deed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To whom it may concern, I have sent dispute letters to XXXX, Transunion and XXXX  to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX. 

2. Round 2 was sent in XX/XX/XXXX. 

3. Round 3 was sent in XX/XX/XXXX. 

4. Round 4 was sent in XX/XX/XXXX. 

I have charge offs remaining on each credit report from XXXX, Transunion and XXXX  for XXXX  XXXX XXXX, XXXX XXXX XXXX  and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.

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 2020-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Equifax score dropped XXXX points and there was no changes to my credit report. The company Equifax was contacted and they agreed that there is no reason for the XXXX point drop and stated to wait until the end of the month when the system refreshes, that it will probably correct itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled mine, my spouses, and my children 's information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted on my credit report of a collection I owed. The original debt was stated from XXXX XXXX. The agencys name is Sequium Asset Solutions. I have never been contacted by the collection agency. I called XXXX and they confirmed I had no debt. When I called the collection agency directly the person answered hey. No mention of the company name. Many online reviews show this company as a scam. I put in a dispute with XXXX  and XXXX  and both came back confirmed. I figured since this is an unethical company. Its unnerving how these credit agencies allow shady companies to affect your credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: HCFS Healthcare Financial Services of TeamHealth
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:
I have a collection account listed on my credit reports by a debt collection agency, Account resolution services collecting on behalf of XXXX XXXX XXXX XXXX Account resolution services is not licensed to collect in the state of Florida and therefore I am disputing this collection 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 2020-05-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Wells Fargo for information about what to do With mortgage during covid pandemic being wife and I lost our employment during New York State pause order. I was offered a forbearance agreement or deferral that I was assured I would receive paper work on and it would not be reported to credit reporting agency during this time of national pandemic. I was reluctant to go into anything but requested information be sent to me. 
Credit report indicates In forbearance it also indicates last payment received was XXXX but I have paid XXXX XXXX and XXXX. This has negatively affected My credit with all credit reporting agencies. I did not sign anything to agree to forbearance and subsequent calls to them I stressed that Im paying my mortgage and dont want a forbearance. Instead they listed it on my credit without authorization. When I called them they said it was an error n they are working on it. They ruined my wife and my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: CAVALRY INVESTMENTS, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receiving calls after XXXX XXXX  at night from companies I've never heard of, including Calvary Portfolio Services, XXXX XXXX XXXX from several phone numbers including XXXX and XXXX. Most recent late night call from the latter number was XX/XX/XXXX at XXXX XXXX They rarely leave a message and when they do they indicate they are trying to collect a debt. My mortgage foreclosure was handled several years ago through a HUD program ( SOHAZ ) and is closed ( according to not only the former mortgage holder but my credit reports ). It was closed in XXXX. No one should be calling me about it, and it is indicated as closed/resolved with all credit score agencies. If a debt collector is calling me for any other reason they have the wrong number, but regardless of whether they're dialing looking for the right person or not, they're repeatedly calling after XXXX. at night which is illegal. I have received calls as late as XXXX XXXX. but only recently began tracking the calls because they keep waking me up! Usually by the time I get to the phone out of a dead sleep they've hung up or it has gone to voice mail, but then they rarely leave a message. Calvary Portfolio called me this afternoon, and left me a message for the first time identifying only that they were a debt collector ( I had to figure out the company name myself through other complainants posting with the caller ID info on the internet ). The robo message said they were calling about a debt and left a callback number, but I don't owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The SCA Collections has been hoarding and replacing collections into my accounts the past several years. The amounts are {$3900.00}, {$72.00}, and {$2100.00}. I have been going through a financial crisis, and they refuse to show me where all these amounts add up.

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 2019-11-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Hello, i opened as account with paypal smart connect credit card online in 2011 and since that they were charging me security fee depend on balance every XXXX $ their fee was XXXX $ and eastimate last 8 year they were charges me more than 5000 . That fees without my permission and never signed any aplication About car security fee and never received any letter about them as well.

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-01-22
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by AmriFinancial Solutions LLC, regarding a medical debt in collections. 

Please be advise I requested a validation of the debt from the collection agency, and I received a response that clearly violates my HIPAA rights, as they did NOT provide me a HIPAA release that releases my daughter 's ( a minor ) medical information to them. By providing such information, they are in VIOLATION of my and my daughter 's HIPAA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: EQUIFAX, 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 a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 15 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2020 Paypal closed my account with no notice. I don't use the account regularly and there haven't been any receive money transactions in over a year. 

There is a balance of {$8900.00} that Paypal says they are holding. 
There is no chance of chargebacks because there were no invoices paid/ money received on this account. 

I want my money released to me immediately as there is no reason for them to hold it. They say they will contact me in 180 days, however I have heard that Paypal regularly takes the money and does not release it. 

It is the holiday and a pandemic. This account has not violated any use policies and there is no chance of chargeback. 

Funds should be returned immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: ENCORE CAPITAL GROUP 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:
On XX/XX/2020 Midland MCM Collection Agency added a deragatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection and there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: Americor Funding, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Company is marketing a loan offer, but appears to be trying to provide credit counseling services instead. When I asked the representative if this was a credit counseling program, she said no it's a loan and it's not like credit counseling programs which damage your credit. 
The financial product that was described to me sounds exactly like a credit counseling program. I asked for the contractual terms of the program, so I could review them to ensure this program would not damage my credit. The company refused to send me the contractual terms stating that I had to go further in the process according to the FTC before they could send me anything. I only wanted to confirm this isn't a credit counseling program and now based on my last email with them, they do say this could damage my credit. 
My concerns are that 1 ) the company is falsely marketing their financial product, 2 ) the company is actively trying to deceive during phone calls on what financial product it is offering, 3 ) the company is refusing to send contractual terms for consumers to review the product until they have verbally agreed to proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation