BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX sent a letter to dispute a debt with Macy 's Department Card. When I attempted to contact this company, at XXXX, I was unable to make contact with any representatives in the year ( s ) XXXX and XXXX. In XXXX, I reached a representative at the telephone number ( XXXX ) XXXX and told that XXXX XXXX XXXX XXXX no longer is managing this account and I need to contact Macy 's for more detail. I was unable to get a complete account number.

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 2020-02-06
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: Was not notified of investigation status or results

Complaint:
1. Accounts XXXX ; XXXX ; XXXXare duplicate 10 year old accounts that report payments received in 2016 not by me, to re age accounts and have not giving proper method of verification of inaccurate 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 2019-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ive tried to refinance my loan with capitol one because of my interest being so high. It was impossible for me to keep up I was drowning. I moved back home to try to save money and get back on my feet. I had health issues and been drowning in medical bills. I couldnt make my full payments so my car was repoed. Devastating to me. Been struggling for 2 years now trying to get out of this debt. The dealership sold me a lemon car and I couldnt afford a lawyer. Not only was it a lemon I didnt realize how interest worked. I didnt realize my percent was so high. I thought I got a great deal at the time but came to find out I was cheated. Please help. Im trying to get back on track and move into my own place but cant with my credit. Currently paying off medical bills

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX I register for a class ( ENSU XXXX XM ) at the University of Illinois, that same day I got an email from XXXX XXXX " XXXX '' Day that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX. 

Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the University of Illinois course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX & FUDGE, XXXX ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone. 

XXXX and behold they did, they sold it to XXXX who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: CT
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, XXXX XXXX XXXX, Account # 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 2020-02-06
Company: EQUIFAX, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A debt collector filed a derogatory comment with XXXX and Equifax ( but not with XXXX  ) which I dispute. I logged into XXXX and filed my dispute which was very quickly resolved and the derogatory comment removed. But, I could not get logged into Equifax and could not speak with anyone on the phone until they mailed me an access code. When I finally received the code, I still could not log in, but was finally able to speak with someone on the phone. But they told me they did not see the derogatory comment in my file. I had just obtained a copy of their report thru XXXX XXXX and told them exactly where it was and that my credit score had decreased as a result. After lengthy time on the phone they finally agreed to file a dispute. It's been several weeks and hadn't received status so attempted to contact them again with the same results as my initial attempt!! I have no confidence they will get this resolved or even really try, they are just doing some bogus stall to get me to give up!. When I filed a complaint with them, they pulled a similar stall/obfuscation maneuver ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: OR
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:
Reported to XXXX, Equifax and XXXX that the balance has been paid in full still reporting that I owe the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Experian Information Solutions Inc.
State: WV
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 recently received a copy of my Experian credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

I am filing an complaint due to I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance XXXX XXXX XXXX XXXX : MAIL ORDER HOUSES Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX : MAIL ORDER HOUSES Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date 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 2020-02-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used MoneyGram regularly to send money to XXXX with the option to deposit directly to the receiver 's bank account. This transaction normally takes a couple of days to clear and have the funds available by the receiver. 

On XX/XX/2020 I sent {$800.00} to the same receiver 's bank account previously used ( the receiver 's account 's number is automatically stored in Money Gram 's website for convenient repeated transactions ). Five days later ( XX/XX/20 ) I called customer service to get the status on the transaction since the money has not appear in the receiver 's bank account. The customer service person I spoke with claimed that MoneyGram made the deposit to the receiver 's bank account the next day on XX/XX/2020 and that MoneyGram not responsible after the deposit is completed. It's up to the local bank he said. But MoneyGram is not able to provide proof of the deposit made to contact the bank ; neither provides assistance to figure out where the money went. 

Their customer care is poorly set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
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 belongs to someone else

Complaint:
I DISCOVERED SEVERAL ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED & WOULD LIKE ALL ACCOUNTS BLOCKED AND DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Call many times a day to my elderly father 's home. Told to stop calling, will not stop. This is an old debt that they can not even collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have in my possession evidences and proof that show actions of common law fraud, unjust enrichment, and restitution ; Fair Debt Collection Practices Act ( FDCPA ) violations ; Fair Credit Reporting Act ( FCRA ) violations ; counts of Racketeer Influenced and Corrupt Organizations Act ( RICO ) violations, GRAMMLEACHBLILEY ACT ( GLBA ) violations and CCPA ( California Consumer Privacy Act ) by all parties involved listed above. 

XXXX XXXX, I received a copy of my full credit report via XXXX and noticed immediately, major errors with four accounts associated with the name or variations of the name XXXX XXXX, Resurgent and 12 XXXX  XXXX. I wrote letters via Certified mail requesting validation of the four separate entities that were listed as they were respectfully listed. Please be advised that the information reported about these three accounts was purposely entered to be misleading, incorrect and incomplete. 

XXXX XXXX website states this account was never assigned to Sherman Originator III, LLC. As stated on XXXX XXXX records for the account ending in XXXX, it is stated Your account has been charged off and has been acquired by another party. Blacks Law Dictionary Second Edition defines the term, Acquire as, The action of buying or gaining the possession of property. That party is listed Sherman Originator III LLC, - XXXX. 

Sherman Originator III LLC failed in their legal obligated duty as debt buyers to notify me when they purchased my debt from XXXX XXXX ( along with my nonpublic Personal Information ). This notice would have allowed me a window to dispute any duplicate accounts or validity. Subsequently, by not being disputed, they then became account stated. Meaning they created a new contract unbeknownst to me with Sherman Originator III LLC for every tradeline listed on my credit report. Fortunately, I did dispute these accounts during that time with XXXX XXXX. XXXX XXXX had the tradeline XXXX XXXX XXXX USA removed from XXXX and XXXX  but remained on XXXX. This is the reason why when I received my credit report on XXXX XXXX, the account listed as, 12 XXXX  XXXX XXXX, the comment says disputed my customer. The name was just changed. 

Sherman Originator III LLC, currently has 86 companies and 74 people registered at the address of XXXX XXXX XXXX XXXX, SC XXXX, all of who seem to operate and function in different roles in each different company, all who of which are to be included but not limited to being included in this notice of intent to sue .The Sherman Group owns XXXX XXXX XXXX , where XXXX XXXX is CEO/Owner/Founder, Sherman Financial Group plus others,. This confusing chain of ownership is proof beyond unreasonable doubt that alter egos of these companies exist and the principle business of the affiliates is debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: WA
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 made a purchase online with XXXX on XX/XX/2020. 

I reviewed my free credit report with Equifax on XX/XX/2020 and noticed a credit inquiry on the same date of purchase stating most recent inquiry : XXXX/XXXXXX/XX/2020 I purchased one item and paid with a debit card. I never asked for or applied for a credit card nor did I give the site my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I've been having a problem with paypal getting my irs e.i.p on my paypal direct deposit as well as hundreds of others people that got there eip through paypal direct deposit. Irs payment tool said my eip payment was direct deposited into my account with paypal on XX/XX/2020 and its now XX/XX/2020 and still have no eip on my account or showing pending or anything. Ive tried to call paypal directly but no ones in there customer service phone number cause of corona virus. Ive tried several times to use there automated online service for customers with out no help the last message said someone would get in contact with me but no one ever did. So I went to paypal community page to try and figure out whats going on and thats where I found out there are hundreds of people having the same problem as me. There was a story of one man I believe from tennessee who went to his towns news channel to go public with his story and paypal went a head and helped him get his eip payment.So if they knew there was a problem why havent they fixed this problem cause its hundreds of people with same problem.People like me need that money to support our familys and keep a roof and food in there families stomaches.Ive also tried calling wells fargo who paypal goes through for direct deposit and was told its a middle man for paypal once they get deposits it goes straight to paypal and only paypal can access information for costomers regaurding there direct deposits.So theres nothing they can do to help us.It has to be paypal who can tell us whats going on with our deposits. As far as I can see this problem has been happening with people having deposit dates from irs portal from XXXX and XX/XX/2020 that ive seen on paypal community page of tjhere website.If irs sent and gave us a deposit date then why hasnt paypal deposited it into our accounts? If you can help in anyway id greatly appriciate it very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: LJ Ross Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LJ Ross & Associates has placed negative information on my credit reports claiming that I owe them {$240.00}. I have sent them a Validation letter request ( see attached ) via Certified USPS mail and have requested they send me the information I have requested. This company has hundreds of complaints online about its misuse and collection tactics. Under the fair debt collection act, this item has to be removed pending investigation, and if LJ Ross & Associates does not comply with my validation letter this item must remain removed from my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went through the preapproval process with loan Depot to do a Cash-Out refinance of an investment property. According to the process, I was preapproved based off of debt to income ratio, and income level, to take funds to consolidate some credit card debt. After two months, the lender ( Loan Depot ) came back with a denial. Their denial was based on their incorrect interpretation of an employer  provided note that was forgivable, not on my credit report, not asked about in the beginning, nor an ongoing financial obligation of mine, to my debt load on the basis that they said they ( Loan Depot ) could not guarantee that I would maintain employment with my firm and it would become an obligation of mine. The Loan is paid back with time served, not money and there was one year left on the note. I have applied for, and been approved for another home purchase as well as another refinance without any negative impact of this note since it was granted 5 years ago. They are assuming I will lose my Job, which would impact more than my note, it would impact my income as a whole. I have never had a loan assume a future loss of employment. It is no different than arresting someone for assumption of a future crime. I demanded my appraisal fee back, as I would never have gone through the process had this requirement been disclosed in the beginning. Not only did I waste my time with the company, but I lost money on the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
A company by the name of XXXX XXXX has obtained my personal credit without my authorization twice in XXXX. They have obtained my credit on XXXX XXXX, XXXX and XXXX XXXX. Every time i have called them they said they had no clue who i was or do not have a application on me. They begin to tell me they will remove the inaccuracies of the hard inquiry on my credit but do nothing. This is fraudulent activity and i am requesting help to have this removed from my personal credit file with Transunion 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 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to Transunion to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX 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 2020-02-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Statement for past month did not include credits issued for transactions set into dispute with XXXX. Calls were made to confirm amount provisionally credited during dispute, which placed account at a credit balance of about six to seven hundred. When statement was reviewed to verify disputes, only two disputes were available for view. When transactions that were disputed were searched using the online account management features, credits for transactions that were successfully handled through customer dispute process with merchant were not found, even when utilizing the search features. A print out of the report was completed and the merchant on the phone confirmed that a credit was issued in the past. After completing the phone call with a Citibank MasterCard representative on XX/XX/XXXX at XXXX XXXX PST, XXXX XXXX released the relevant electronic communications with the merchant to make it easier to search for the details relevant to the refund that would be communicated to the agent regarding the transaction that was refunded. While the merchant had the exact amount that I had provided over the phone prior to the release of the electronic communication documenting the refund, the online account transactions and statement did not reflect this amount. The representative stated that I would have to go into the branch to get a correct statement. I believe that the statement that contained the errors, as confirmed through a customer agent on the weekend ending XX/XX/XXXX, was stolen from my premises without my authorization. On XX/XX/XXXX, I could not locate the call on the phone log of my cell phone.

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