BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00}

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 non-monetary relief
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I called XXXX XXXX XXXX XXXX office in regards to options for people who had experienced hardship due to COVID-19.  There was an automated message and prompts to apply for a forbearance. After following the prompts and completing my request for forbearance I was advised that there was no further action needed and that I would be receiving paperwork in the mail. The information given through the prompts put me under the impression that the forbearance would go into place effective immediately meaning XXXX. I never received the requested forbearance information in the mail. I was very surprised when a late payment was reported to credit and our credit scores plummeted 44 points. Again the call tree message did not state that a forbearance did not start until XXXX. Once I saw that my credit score dropped I immediately called on XX/XX/XXXX, made the XXXX payment and inquired on how I could get this late payment off of my credit report. The person I spoke to had no record of me calling on XX/XX/XXXX. 

I sent an email to request this be taken off of my credit report on XX/XX/XXXX to XXXX and followed up with more emails and phone calls. I got a response on XX/XX/XXXX stating " You say you inquired about going on a Forbearance on XX/XX/2020 through our automated system and you assumed the payment for XXXX would take into effect. It was the near the last of the month and unfortunately it could not include the month of XXXX because it was the end of the month. You will need to open contact the three credit bureaus, they will then do an investigation regarding this issue and will contact you with their results. We are sorry for any misunderstanding this may have caused you. '' I disputed this with the credit agencies and it has not been removed. I had not had any late payments with this mortgage for 2 years prior. Based upon that fact the phone prompts were misleading this negative report should be removed from my credit report because it is XXXX XXXX XXXX XXXX responsibility to provide correct information so that customers can correspondingly make correct decisions.

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 2020-09-17
Company: Experian Information Solutions Inc.
State: VA
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 am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.

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 2019-07-23
Company: Lending Club Corp
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. 
According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. PayPal decides if you are allowed to use your account or not They decide if you have access to your money. 

My email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C Systems placed a collection on my credit report back in XX/XX/XXXX. I disputed this through my XXXX account but was denied. I then submitted a XXXX complaint because 1 - The debt is not mine 2- They never reached out to me letting me know they where going to place this on my credit report 3- When i asked for proof this debt was mine they did not have any proof When XXXX was involved I C Systems did reply and stated the following as well as sent me a letter to my home which i have proof of that says : " XX/XX/XXXX XXXX XXXX Please accept this letter as confirmation that I C SYSTEM will no longer pursue collection of this account and will return it to XXXX. 
We will request that any information our office may have forwarded to the credit reporting agencies regarding this account to be deleted or removed from their records. You may wish to review you credit report to ensure that your credit information has been properly updated. Your credit bureau account number is :XXXX This communication is from a debt collector " CREDITOR : XXXX ACCOUNT NO XXXX I.C. System reference no XXXX Balance {$1400.00} As you can see above this was sent to me on XX/XX/XXXX. It is now XX/XX/XXXX and i just got off the phone with XXXX and they have no information from I C System and this collection is still illegally on my credit report negatively affecting me and my family financial well being. PLEASE HELP When i contacted I C System again on XX/XX/XXXX via phone the representative stated they have no idea and said they would transfer my call to a Senior advisor but instead kept me on hold and hung up. I have proof of this letter sent to me, i also have proof that I C Systems replied to XXXX With the exact same answer.

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 2022-01-11
Company: EQUIFAX, INC.
State: IL
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 is way out of line with this reporting a missed payment from XX/XX/XXXX as late in XXXX XXXX XXXX XXXX and XXXX of XXXX almost 3 years XXXX my dates are off a little but 3 years is a lot to long to wait to report it late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Resurgent Capital Services L.P.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Previous request for paper work before loan was transferred to about 2 other collections agency and payments made to them before it was transferred to another agency. I have sent 2 certified request on XX/XX/18, and XX/XX/18 both show signed by office, for copy of the loan documents showing interest rate and amount owed, was this a {$500.00} loan that now shows {$2600.00} after payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Information belongs to someone else

Complaint:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2019-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Hard Inquiry XX/XX/2018 XX/XX/2018 XX/XX/2018 Called Capital one about my 3 hard inquires that I did NOT give my consent or signature approval. Capital One said they couldn't find me in their system of applications. I asked her for a letter of removal for transunion and she said she can't give a letter of removal. Therefor nothing was fix about the 3 hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I am a college freshman at XXXX XXXX and was the victim of a phishing scam. The scam included several XXXX students whereby we thought we were working for a XXXX XXXX and needed to make purchases as part of our Research Assistant duties. 4 days into the job, I became suspicious and alerted the university as well as filed a police report. Once I submitted my documents to TD Bank, they chose to make me liable for the {$2500.00}. 
Any help regarding this matter would be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ENHANCED RECOVERY XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX. Has been sending me collection notices in the amount of {$8300.00}. The collection has been reported as pasted due balance. I do not know this company, and it says it was opened on XXXX XXXX. This crazy please understand that I have never done any business with company. The Company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Re : Notice of Default - Right to Cure dated XX/XX/2020 Please be advised this notice/action is being disputed. This serves as written notification to Select Portfolio Servicing, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX None the previous correspondence has been sufficiently answered. SPS actions, are unwarranted, unwanted and continue to be erroneous and suspicious of fraudulent activity. 

As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of XXXX ( XXXX ) and Select Portfolio Servicing, Inc. ( SPSs ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of XXXX and SPS. Based on this information, as Fiduciary of the Estate of Demoin XXXX XXXX, I deny any and all claims by XXXX and/or SPS or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, XXXX, SPS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached. 

1. Provide a full and detailed accounting of this alleged account. 
2. Provide any and all inspections conducted on misidentified property in the last 12 months with reason why they are being conducted.

3. Explain the legal description contained in alleged security instrument and explain how it differs from the property SPS continues to fraudulently inspect and erroneously pretend to service. SPS has been repeated told the legal description noted in the security instrument is not the legal description of XXXX XXXX XXXX XXXX. They refuse to research and provide legitimate response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed complaints with XXXX  and experian about my credit report from XXXX XXXX. XXXX  is reporting-as XXXX XXXX the original balance is {$11000.00} and XXXX XXXX statement the original balance is {$19000.00}. XXXX  is reporting the balance owed as XXXX XXXX {$7500.00}. XXXX  is reporting my date of last payment of XXXX XXXX of only a {$170.00} in XX/XX/XXXX I made two payments XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} for a total of {$340.00}. Past due amount from XXXX  is {$1200.00} XXXX XXXX charged me $ XXXX is reporting that my first late payment was XXXX XXXX but XXXX XXXX reported that it was paid on time.Experian is reporting the loan amount {$11000.00} XXXX XXXX initial balance is {$19000.00} Experian is reporting on XXXX XXXX the balance owed is {$7000.00} I dont know what the balance is I even get different amounts from XXXX XXXXExperian is reporting the past due amount as {$1500.00} dollars I just paid the past due amount to XXXX XXXX {$1400.00}. XXXX  is stating I have over XXXX late payments Experian states I have 36 late payments. The late payments are based on the past due amount which was supposed to be backed up to the end of the loan payment. If I pay my payments online to XXXX XXXX on the XXXX of the month then XXXX XXXX will generate a date and conformation with the XXXX of the month.I reported the inaccurate information to XXXX XXXX and they immediately deleted XXXX XXXX  from my credit report.I believe XXXX XXXX reports out the initial loan at {$11000.00} instead of the actual amount of {$19000.00} because on XXXX XXXX the Massachusetts Attorney General office filed a lawsuit against XXXX XXXX  that they made subprime auto loans to Massachusetts consumers which I would have although I dont live in that state.I also sent original loan contract 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 non-monetary relief
Consumer complaint received 2022-12-18
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
Midland Credit Management Account XXXX : XXXX Midland Credit Management Account Number : XXXX has been sending me notices in the amount of {$420.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-09-11
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
So on XX/XX/2018 I made a transaction over PayPal with XXXX XXXX for XXXX or {$120.00}. I have my transaction ID for it in hand. 

It was for a digital service however a few weeks past after that and I have heard nothing from him. I have repeatedly tried to get my money back but with no successful attempts. If I could get help in this matter I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Bank of America/XXXX XXXX closed my IRA and charged {$50.00}.

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 2020-09-17
Company: CORELOGIC INC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
CoreLogic Tax Services, LLC sent a letter with Case Number XXXX. It claims that they inadvertently reported our property address to the mortgage lender they service resulting in the payment of our property taxes. Further stating that these funds were considered a duplicate payment and refunded to our lender/servicer. Therefore that we received a refund and that they are requesting reimbursement in the amount of {$6700.00}. 
They asked that a check or money order be sent to their XXXX  XXXX  at XXXX XXXX XXXX, XXXX, TX XXXX or paid at https : //bill pay.corelogic.com The transaction showed their date of payment as XXXX2020 and cashed by the recipient on XX/XX/20 per the Check Image Provided. Whereas we received the refund in question on XXXX2020 thereby making their story invalid.

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 2018-07-30
Company: ERC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account went unpaid with XXXX ( XXXX financing XXXX card ) and it was sent to a debt collection agency called ERC. 
I agreed to settle the account with ERC For {$710.00} with reference number XXXX. I received the agreement from ERC saying that the account has been settled on XX/XX/2017. However the account still shows unpaid and unsettled on my credit report. Upon calling ERC I was told that this account has been transferred back to XXXX.

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