BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX/XXXX/XXXX - hard inquiry.. Was not given permission. 

XXXX XXXX XXXX/XXXX/XXXX -hard inquiry.. Was not given permission. 

Addresses : XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both need to be removed. Old information

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 2020-04-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from reporting on my credit EQUIFAX Report Confirmation # XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$750.00} {$770.00} Account Name : XXXX  XXXX XXXX XXXX Account number : XXXX {$700.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX  XXXX XXXX  Account number : XXXX {$1000.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX  XXXX Account number : XXXX {$1600.00} Date open : Date open : XX/XX/XXXX By Mail Only Account Name : XXXX XXXX  XXXX  Account number : XXXX {$2900.00} Date : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$330.00} My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I wrote a letter to XXXX XXXX stating that they are reporting on my credit report a debt that I do now owe. They sent me back a letter stating that the debt was mine with no evidence proving it was mine. 

The company could not provide me with competent evidence that states that i had any legal obligation to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX   XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from. I have reached out to the FTC and my local police. Im doing this on my own behalf. Please remove them as well 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

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 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I wrote a letter to XXXX XXXX stating that they are reporting on my credit report a debt that I do now owe. They sent me back a letter stating that the debt was mine with no evidence proving it was mine. 

The company could not provide me with competent evidence that states that i had any legal obligation to pay them.

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 2021-05-14
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In Fall XXXX I received statement from county of the new value of my house, which shows equity is now above 20 %. I notified my mortgage lender, Mr. Cooper, to begin the process to remove PMI. I continued to ask for them to initiate the process to remove PMI. After five months they finally contacted me and advised within 10 days I would be contacted by an assessor as the next step in the process. Since the mortgage lender has been unresponsive to my earlier requests I expected this 10 days to lapse without any action, so now I'm trying other means to motivate them to remove the PMI, plus now I would like XXXX past months PMI reimbursed to me. 
XX/XX/XXXX - Requested the elimination of my PMI. 
answer : your request has been forwarded to department. Then nothing. 
XX/XX/XXXX - Reminded Mr. Cooper I am awaiting removal of PMI XX/XX/XXXX - Reminded Mr. Cooper I am awaiting removal of PMI XX/XX/XXXX - Reminded Mr. Cooper I am awaiting removal of PMI XX/XX/XXXX - Reminded Mr. Cooper XXXX am awaiting removal of PMI. This prompted Mr Cooper to call me finally. They initiated the process for an assessor to get a value of the house. Assessor was supposed to contact me within 10 days. 
XX/XX/XXXX - Assessor has not contacted me. Initiating complaint to CFPB. Also informing Mr. Cooper of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted capital one regarding a credit inquiry on my XXXX credit report. Capital one could not find this inquiry in there files and stated for me to dispute with the credit bureau. I disputed with the credit bureau and it keeps coming back as verified. Capital one stated they do not have a credit inquiry in there file for XX/XX/2019 for me. I want the inquiry removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On the XXXXXXXX platform, I traded cryptocurrency I sold bitcoins for three people these people paid via the paypal service a few days after the paypal service I started receiving unauthorized transactions. I have sent recipt from bitcoin sales paypal service he charged my account chargeback they are not interested in the problem of an unauthorized transaction it is important for them to destroy my person they charge an additional {$20.00} for each chargeback. 
May written with goods and service transactions are not covered seler protection also the buyer money is taken by the financial institution.the amount that charge me the paypal service is about {$4500.00} please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
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: Information belongs to someone else

Complaint:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from. I have reached out to the FTC and my local police. Im doing this on my own behalf. Please remove them as well 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  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXXXXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported fraud charges while pending and the bank navy federal credit until let the charges go through. I then filed a dispute and they deemed the charges valid and I have not been refunded. Im not sure why the charges were cleared and now not refunded. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
PLEASE REMOVE FRAUD ALERT 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 non-monetary relief
Consumer complaint received 2021-05-14
Company: DISCOVER BANK
State: DE
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:
On XX/XX/XXXX, XXXX talked to a person by name XXXX fraud Discovercard fraud division in dispute of charges made by XXXX in the amounts of {$14.00} XXXX made on XX/XX/2020 ) {$1.00} XXXX made on XX/XX/2020 ) and {$13.00} XXXX made on XX/XX/2020 ). Total of that those fraudulent charges was & XXXX. I deducted that amount from the total charge and paid the remaining amount on a due date. Discover instead of charging back those fraudulent charges, charged me {$5.00} interest on those fraudulent charges. today when I attempted to dispute those charges by talking to another person from the fraud division in XXXX by name XXXX, and another fraudulent charge made in the amount of {$110.00}, by XXXX with whom I do not have any relationship whatsoever and did not purchase anything from them. Again did not get any assistance in that fraudulent transaction. It appears that Discover card allows all types of fraudulent transactions to be charged to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Back in XXXX of XXXX I was trying to make a payment towards my best buy credit card, during the process of payment the person that was processing my payment got very XXXX with me and cancel my credit card, witch it was in good standing since 2013. I try to contact the company in many occasions to request for my credit card to be reactivated and I got no where and in XXXX of XXXX I submitted a complained to the cfpb and it looks like nothing is getting done with the account. I need to resolved this issue as soon as possible Im requesting that my account be reestablished in full and to remove any late payment and feeds added to the account. 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 2017-10-24
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I signed a lease with BMW Financial Services for a new XXXX and elected to take delivery in XXXX at the factory under their XXXX Delivery Program on XXXX XXXX, XXXX. When I signed the lease forms on XXXX XXXX, XXXX I was asked to make the initial `` drive off '' payment ... however there was no car. We picked up the car in XXXX on XXXX XXXX as planned, drove the car for 10 days and it is now in transit back to the U.S. for delivery approx. XXXX XXXX, XXXX. Payments have been due on the XXXX of each month since XXXX XXXX. The payment on XXXX XXXX was credited by BMW, however, the payment due XXXX XXXX I am told I must sill pay even though I will likely not have the vehicle until the XXXX payment is due. If the car arrives and is re-delivered on XXXX XXXX I will have paid for 60 days of lease yet only have 10 days on driving. Normally, if I had taken delivery in the U.S. at the dealer, I would have taken delivery, made the `` drive off '' payment and actually driven off with the car. I would have gotten full value for the lease. When the XXXX delivery option was described to me, the worst case seemed to be that I would pay one month of lease for 10 days on driving and not have any other loss of use penalties. However, this is not the case and I would appreciate assistance in getting credit for at least one additional month of the lease. 

Also, BMW Financial Services was sloppy in how they have handled my billing statements by not crediting the one month that they did in time to not trigger additional fees and penalties. After a call from me it was corrected but it should never have happened that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I've sent multiple requests to have the bankruptcy information removed. 

I've asked them to verify it was mine and they sated they were able to verify, but I sent them a XXXX verification letter stating there is no bankruptcy in my report. 

Also sent a bankruptcy court letter stating they dont provide information to credit bureaus. 

So please have them remove from my records. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: MO
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 contacted the bureaus and there is unverified debt on my report that's not mine. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) SW 715.719. I Presume that no proof of the alleged debt, nor therefore any such debt exists. 

Here is the item : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Good afternoon, my information along with my wives has been compromised. Someone has been using our credit illegally and now our credit has accounts on it that have never been associated with us or accessed by us and now we have this crazy debt. We were notified of this this week when we applied for a homeland and were told after that we had these accounts on our credit report that did not ring a bell to us. We need to please get this matter resolved as our family was in the process of home buying. Thank you for your assistance.

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 2019-06-30
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I called Nelnet and was told I needed to send in documentation for an Income Driven Repayment plan. I had done this in XXXX and was told everything was received. I agreed to send it in again. After sending my docs a few days later I called Nelnet on XX/XX/XXXX. I asked if my documents had been received. I was told yes, my Income Driven Plan was completed and my next payment would be {$0.00}. I also logged into the site a fee days later and it said next payment due XX/XX/XXXX {$0.00}. On XX/XX/XXXX I received an e-mail stating that documentation was needed to reflect my gross pay in order to complete my IBR application. I had already sent this in and been told it was received and completed. I called back on XX/XX/XXXX asking about this and was told docs had not been received and on XX/XX/XXXX I had a payment due of {$270.00}. I explained what I was told on XX/XX/XXXX the rep was rude said it didn't matter the docs they needed weren't there and there wasn't enough time to send it in. I escalated to a supervisor and asked to have the last2 calls pulled. They said they will coach the rep. I re sent the docs in but I don't trust these people. Compliance was broken wrong info was given that can result in a negative impact to my credit report. The call center gives wrong info constantly and they are supposed to help us. I advised them I was making a complaint and they gave me this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
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: Personal information incorrect

Complaint:
My identity has been compromised and the more that I research the accounts reporting fraudulently the more I believe a past business associate who stole thousands of dollars from me is the culprit of the crime. I am doing everything to protect my credit so I have requested extended fraud alerts, my personal information to be corrected, and unauthorized inquiries removed as suggested by the FTC. I sent each of the bureau 's a letter on XX/XX/2021 a letter requesting that my personal information be corrected there is currently inaccurate names and addresses and yet this inaccurate information continues to report on my credit report. Attached to this complaint is a copy of my identity theft affidavit and the letters that were sent to the bureau 's in which the failed to modify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to purchase an item from an online account and used PayPal to pay for the item. Subsequently, I found out the account/seller was fraudulent and disputed with PayPal. They spent almost 60 days and in the meantime, the seller sent a fraudulent UPS notice that the product had been delivered to me. It never was delivered. 

PayPal sided with the seller and left me with no appeal process. 

I've tried to close my Paypal account and they won't even answer the phone or IM system. 

I'm convinced that I will never receive my money back and just want to close the account of this worthless organization. 

I will use my credit card directly in the future. 

I need your help in closing the PayPal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has filed the same debt in intervals of 6 months ranging the debt with different collections agencies. I tried to settled with them previously, however they never returned my calls or attempted to resolve the issue. I sent the equipment back to them. 
XX/XX/XXXX Diversifed Consultants had the debt Then XX/XX/XXXX, XXXX XXXX had the debt. The debt as of today 's date XX/XX/XXXX has been removed, again, with the expectation to reappear XX/XX/XXXX, with a new collection agency. 
I believe this to be evidence of re-againg a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: CO
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 have requested that XXXX, Experian and XXXX either verify or remove all reference to debts reported by XXXX XXXX XXXX. None of these three credit reporting bureaus have been able to show me proof that I owe this collection agency any thing at all, but still report this debt as mine. I have sent each of them four individual letters between XXXX, XXXX and XXXX, XXXX demanding that they show me proof of their verification, but they have not done so and continue to report debts that are not mine.

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