BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ally Financial called on XX/XX/XXXX and XX/XX/XXXX Called me by my name, regarding a family member. This is not my debt and I do not appreciate the harassment. Calling back gets me no answer and I will have to wait for a call to have to request that I am not contacted, which never works. 

I AM NOT THE CONSUMER and it is alarming that they would expect me to offer information about ANY other consumer. Or that my information, including my name, would be hounded down.

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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There are several things wrong with my Transunion Credit Report and I have tried on several occasions to correct them to no avail!! 

Incorrect addresses on my report : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX There are accounts on my report that are not mine ; fraudulent accounts and I have disputed these several times and asked for validation/verification, but nothing is done. 
XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$640.00} Opened XX/XX/XXXX *Collection Account* XXXX XXXX XXXX {$6000.00} Opened XX/XX/XXXX original account XXXX XXXX XXXX XXXX XXXX There are 2 public records being reported. I have asked to have these accounts verified and documentation sent to me. I contacted the courts and they do not verify this information. This needs to be removed immediately : Chapter XXXX Bankruptcy ( dismissed ) Date filed XX/XX/XXXX {$0.00} Chapter XXXX Bankruptcy ( discharged ) Date filed XX/XX/XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paypal refused to cancel a {$30.00} transfer my wife and I made in good faith for a purchase that turned out to be fraudulent Case Number : XXXX. The payment was made on XX/XX/2020 Transaction ID : XXXX and was supposed to be for the purchase of tickets to an outdoor venue from a private seller. We never received anything from the seller after making the payment through Paypal, because we were defrauded. My wife and I tried numerous times to reach out to the seller via e-mail and XXXX but received only a single response that seller would confirm receipt of the funds. 24 hours later, I disputed the transfer in order to cancel it. Paypal took 23 days to review my dispute and finally decided to allow the criminal keep our money. Paypal e-mailed me information about their decision and provided a phone number XXXX to inquire about the processing of the dispute ; however, the number Paypal provided is a non-working number as of XX/XX/2020. The dispute has not been resolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Thank you for taking the time out of your day to read this message. My name is XXXX XXXX XXXX and I consolidated all of my student loans in XXXX of XXXX with XXXX. However, I pulled my credit report in XXXX of XXXX and discovered that the XXXX Department of Education is inaccurately reporting that I have a XXXX-day past due payment which was reported to Equifax in XXXX of XXXX. This should not have been reported on my credit. I disputed this inaccuracy in XXXX, XXXX and XXXX of XXXX and have seen no change. Since my last dispute, I now notice that Equifax is reporting that I have an additional XXXX-day late payment due as of XX/XX/XXXX. The sad part about all of this is that the loan was closed in XXXX of XXXX which is accurate and listed on the credit report. How is it that the loan was closed in XXXX of XXXX, but I was past due by XXXX-days in XXXX of XXXX and XXXX of XXXX? If this loan was closed in XXXX of XXXX, there should be no late reportings after that date. Prior to my disputes, I called the US Department of Education and was able to speak with several people ; however, they all refused to help me, and I was hung up on several times. These inaccurate reportings have decreased my credit by over XXXX points which is affecting my life in a negative way. It seems as if these inaccurate reportings may be due to my name, which is indicative of my race. This potential profiling seems to be halting corrections on my account by all parties involved : US Department of Education and Equifax. I tried disputing the inaccurate reportings several times and it just keeps getting worst for me. More and more inaccurate reportings keep appearing on credit. I dont know what else to do. The US Department of Education and Equifax refuses to do anything to help me. I have no hope in either company and can only hope that these issues could be rectified as soon as possible by the Consumer Financial Protection Bureau. Please see attachments for evidence of my claims. 

Respectfully, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Unatherized charge to my account on XX/XX/19. I filed a dispute and the transaction in question was unatherized and covered by seller protection so the dispute was won in my faver the case was closed and a refund was soposed to be given under seller protection coverage I won the despute and I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: IN
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020 when the pandemic hit, we called SunTrust to inquire about the process of a forbearance ( we are both realtors and needed to know how they worked for our clients as well as for us in the event the real estate market took a nose dive ). They explained the process but we never asked to be placed in forbearance, we never signed paperwork to do a forbearance, and we never missed a payment. 

In XXXX, we got a letter from SunTrust stating our forbearance was ending and asked if we wanted to extend it. We wrote back saying we never exercised the forbearance and told them to remove that from our record. Clearly, they didn't. 

We are now trying to refinance and are not getting approved because " we were in forbearance until XXXX. '' We've been on the phone and emailing daily trying to get SunTrust to send us a letter stating we were never in Forbearance but they wouldn't do that. They said they would only send a letter saying we cancelled in XXXX. 

Secondly, our statements show that there are Unapplied Funds. There has been no explanation for that. This is the second reason we are not getting approved for our refinance. 

Further, we received a letter yesterday from the XXXX  XXXX  Client Representative, XXXX XXXX ( who failed to return any of our calls ). Why do we have a home preservation client represenative if we aren't in forbearance????? The mortgage loan payment history she sent shows " suspense '' at each of our monthly payments. Why? 

XXXX  XXXX  - We never requested a forbearance, we paid on time every single month and we request a letter clearing us of this financially devastating erroneous status. 

We have spent hours and hours and hours trying to get it rectified and yet, we can not get a letter stating we never signed up for the forbearance. 
We are at grave danger of losing our lock and if we do, we will lose the opportunity to save {$2000.00} per month on our new mortgage.

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 2019-01-19
Company: Ad Astra Recovery Services Inc
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted and told that I would be sued and arrested  if I did not pay. I requested that the debt be validated because I had no contract with the company. I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
I had a debt with a credit card company. I received a letter from them greater than 5 years ago stating that they could not do any legal action against me due to the age of the debt. Recently they have been calling 3-4 times a week though I have requested them not to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2021-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 contacted the lender and they agreed to delete the debt after making a payment of {$480.00} but they have not deleted the account as stated in the email they sent me. 

The email and proof of payment is below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries, I sent Equifax via certified letter tracking number XXXX XXXX XXXX XXXX XXXX which was delivered on XX/XX/XXXX @ XXXX XXXX identifying 19 Unauthorized inquires they refused to investigate or validate these, yet XXXX  has deleted all these Authorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I asked that they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Equifax has violated my rights under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions 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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off m {$8800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: BARCLAYS BANK DELAWARE
State: NV
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:
barclays bank has been paid and the account should be in the process to a settlement.they said it is under investigation and there has been no results?

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 2020-01-30
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: Information belongs to someone else

Complaint:
XX/XX/XXXX, ( XXXX  XXXX ) {$690.00} .. Submitted Identity theft dispute to credit agency XX/XX/XXXX, $ ( XXXX XXXX ) XXXX ... Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX  XXXX ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX $ XXXX XXXX XXXX XXXX  ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX {$20000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$410.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX ) {$970.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$4000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$180.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX ) {$240.00} Submitted Identity theft dispute to credit agency

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 2019-07-16
Company: Experian Information Solutions 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:
On XX/XX/2019 I ordered free credit reports through my local consumer affairs advocacy governmental body. I noted a major issue with Experian. Their report has misleading and incorrect information that has been manipulated. 

Note that I have had several lines of credit over a long period of time. I have made adjustments and even the creditor ( s ) ) made adjustments to the amount of the credit made available on the accounts over a number of years. 

However, Experian is reporting the balances which were based upon previous lines of credit. For example, if I had a credit line open, at one point in time, for an amount of {$1200.00} and I had a high balance at that amount equal to {$1200.00}, Experian is reporting this account limit as the current limit amount. However, after the limits of amount of credit have been reduced, Experian is still posting the highest amount of the account, as if the card holder was over the credit limit of the account for the longevity of its active status. When a line of credit it reduced, the charge limitations during that time need to be reflected accurately. Sometimes, I decided to reduce the lines of credit. Sometimes, it was the creditor. This is problematic in determining a " fair usage '' of a credit service. IT IS THE OBLIGATION of the crediting agencies to report the lines of credit independently as they relate to high balances. Experian is reflecting inaccurate information that impacts the consumers, credit scores, insurance rates and other new lines of credit they pursue. This is grossly negligible. They should be fined and forced to correct this practice. Definitely, if the laws were changed that consumers can access and get information about their credit scores daily or weekly, this type of bad practice would not happen. 
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 2021-02-10
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:
Hello, this is my second time trying to get these accounts removed from the credit bureaus. I pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: FIRST HORIZON BANK
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
To date I have been unable to obtain the funds from First Tennessee Bank, who acquired or merged or by other means obtained all the assets and or liabilities from XXXX XXXX aka XXXX XXXX XXXX XXXX who issued the check. 

During the past 9 years I have visited the First Tennessee Bank and was informed that there are no records of this account. My Aunt and I shared an account together at this bank. Savings Account number XXXX. Opened XX/XX/XXXX. 

On Wednesday XX/XX/XXXX I met with Mr. XXXX at XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. A professional law firm located in XXXX, Tenn. Mr. XXXX accepted the cashier 's check and sent it to First Tennessee Bank who in turn told him there was no record of the account. 

I need this Cashier 's Check traced to determine if the First Tennessee Bank has this check in their archives and to return the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief