BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a mortgage with XXXX XXXX XXXX ( 1st loan # XXXX and 2nd loan # XXXX ) and requested for Mortgage Assistance ( RMA ) for modification back in XX/XX/XXXX from XXXX XXXX XXXX ( Making Home Affordable Program ). My application for modification program was received by XXXX successfully and was in processing when XXXX XXXX XXXX transferred my loan modification to XXXX XXXX XXXX. I received letter on XX/XX/XXXX from XXXX that modification review was completed and on XX/XX/XXXX I received " Executed Loan Modification Agreement '' for both loans 1st and 2nd. Now, after 5 years I have been harassed by Radius Global Solutions on behalf of XXXX XXXX trying to collect the second loan in the amount of {$86000.00}, which was part of executed loan modification that was successfully processed by XXXX. I told them several times, emailed all of my modification papers from XXXX showing that there is no outstanding balance and that both loans ( 1st and 2nd with XXXX ) were modified under now new loan number that I have been paying on time since. I need CFPB assistance to stop Radius Global Solutions LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, Tel : XXXX ) from constantly harassing me to collect {$86000.00}, under REF # XXXX, Dept description : Servicer XXXX XXXX, Account XXXX. 

I have never had any loans with XXXX XXXX nor with XXXX, ever. I am not sure where and how they both my information from and harassing me non-stop to collect " outstanding debt '' that I DO NOT OWE. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX CARD XXXX XXXX  CARD XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/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 2020-10-27
Company: Paypal Holdings, Inc
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was enrolled in PayPal XXXX  and making use of it. All of a sudden, last night, all of my linked credit cards were no longer linked to PayPal XXXX. At first, I thought maybe this was due to system maintenance so I waited until morning. However, nothing had changed so somebody removed all of my cards linked to PayPal XXXX  without my consent. PayPal could not provide me with an explanation. They gave me case ID number XXXX. Later on, I tried asking customer service to check the status of my case and the agent told me that case ID number does not exist. How can this be? I even confirmed the number as I wrote it down. Also, I am supposed to be able to delete a XXXX and create a new one. I can not do that either. On top of that, they always call me when I am asleep at like XXXX in the morning. When I try to call them back, I can never get through or the phone line automatically hangs up on me. Nobody at PayPal seems to care enough to help me fix this problem. They just blame other departments or transfer me to another team. I am really tired of this running around in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-04-30
Company: Experian Information Solutions 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:
N accordance with the fair credit reporting act XXXX  account # XXXX and XXXX, has violated my rights. 

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 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 2023-07-05
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:
I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate these items. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: NV
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:
Account name : # XXXX Account name : XXXX XXXX XXXX has violated my rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/XXXX and I am yet to get a response Regarding this debt from XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.

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 2022-08-10
Company: DISCOVER BANK
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Discover Home Loans. I was approved for Homeowners assistance fund Haf for past due mortgage payments plus 18 this of future payments. Also was approved for my electric past due plus 18 mths my Electric company is XXXX XXXX XXXX, XXXX. I have XXXX for my cable. Haf gave the contract to XXXX XXXX to disperse the funds and They are not doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: NC
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 requested an investigation of error on my credit report back in XX/XX/2018. My understanding was that the credit bureaus were supposed to complete their investigations and respond back to me within 30 days, or the contested items would be deleted. As of today, I have not heard back from any of the bureaus, and the disputed accounts are still reporting. I have even sent two follow-up letters ; both of which have apparently been ignored.

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 2018-12-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. continuity calls repeatedly even after normal hours on weekends too. The amount they say I owe is not a legitimate charge. The company they purchased it from failed to submit their claim for payment to my Attorney at Law that was paying medical fees & Bills from an Automobile Lawsuit against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in XXXX, Texas settled the claim and XXXX XXXX XXXX 's Client failed to REQUEST PAYMENT from the Courts on the medical bills which relieved me and my wife of the obligations. But they continue to HARASS us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone hacked {$12000.00} from my account and BOA said it was me and also they wrote me a check that returned fake and got me banned from XXXX XXXX. This started on XX/XX/XXXX of XXXX, someone did XXXX payments to someone I don't know and they did XXXX and XXXX XXXX XXXX payments which I didn't authorize. There's a virus on my XXXX that I see in the calendars app. I think that's how they stole my online banking info and all the info on my phone. I filed an FTC ID Theft report about this. Bank Of America denied my claim AFTER THEY mailed me a letter about suspicious activity on my online banking and to call them, which was received in my mailbox on XX/XX/XXXX. The next day, I called, and realized all the transactions I never authorized. They filed a claim and assured me that all the money will be refunded. Almost 3 months later, I'm still fighting with BOA. I even filed a XXXX  post and the social care team called me and said they could only get me to claims. Claims said they believed me and the investigator who chooses to approve claims doesn't believe these things that happened to me happened. I just want my hard earned $ back and I'm willing to fight. I posted about this on news pages. I'm even working with this advocate called The XXXX XXXX to help me out. I was told by one BOA representative that there is a phone number I no longer have linked to my BOA profile, and we both agreed that person who was the number must have my personal info to get into my bank info and authorize the transactions. I think Bank Of America is a scam company that steals people 's money and not care for it like a bank should. I have proof of the viruses on my phone and PC I think they used to drain my bank account, which I will include. So for the check for {$500.00} that was drawn on Boa, I had a XXXX account that was closed. The account was named XXXX XXXX. When I deposited the check in my XXXX XXXX XXXX account, they said try at the ATM cause the picture of the check might got the numbers wrong, so I did an ATM deposit. There was a hold on the check, so I called BOA and they said the check should clear and to call XXXX XXXX. The check returned fake twice and XXXX XXXX shut down my whole accounts and reported me to XXXX XXXX XXXX and said my account was closed for cause due to BOA 's mistake. XXXX XXXX wants proof from Boa confirming the check is real and should have cleared. I just want my name cleared up so I don't have problems opening bank accounts for the next 7 years until XXXX. Also back in XXXX on two different accounts, someone zelled themselves {$50.00} each and BOA thought it was me. This has caused XXXX XXXX to close a credit card I have and ruin my credit score.

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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello, Somehow I ended up in a recurring monthly expense of about {$24.00} for TransUnion credit monitoring. This is certainly not something I knowingly signed up for. I did recently view my credit in the process of preparing to buy a house, but I did not knowingly sign up for a recurring monthly service. This seems like a deceptive business practice. I only discovered this after my credit card company flagged one of their monthly charges as a possible fraudulent charge. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: RI
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:
i look on my credit report unknown things on report these are the list of the inqures i want revomed. XXXX XXXX on my report 2 times. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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 2020-10-27
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I make payment to the servicing company and the choose when they want to apply the money to there records. I send in certified fund to keep from having a problem more with the amount they tell me is the mortgage amount and it seems to change monthly. This services company is bad and has many problems When the loan was with XXXX  XXXX XXXX I could walk in the door and pay them now it is mailed and I do not know the date that it arrived without spending an additional amount to get receipts. They come up with additional charges for inspections that I have not approved or requested. I am sending you the documentation of all of this actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

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