BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
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 HAVE REVIEWED MY CREDIT FILE AND FOUND TWO INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AND INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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  and Transunion should not be reporting me as a authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2018-04-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has reported two different accounts on all three credit reporting agencies of which one account is completely FALSE!! They have one account stating that I have three different episodes of 30-60 times lates which they have verified that I dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible.

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2019-08-27
Company: Lending Club Corp
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted LendingClub on XX/XX/2019 to communicate to them that due to extended unemployment I was unable to make the XXXX payment in the amount of {$720.00}. They said the best they could do was move the payment to XX/XX/2019. They confirmed that autopay ( bank debit ) was stopped and advised me to call back to have the payment date further extended. I called back on XX/XX/2019. They said the best they could do was stop the autopayment. They confirmed the autopayment was suspended. On XX/XX/2019 they debited my bank account anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Real Time Group, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX : My significant other and I purchased a home in XXXX and were never married. Because I have a XXXX  XXXX my significant other handled the house-hold finances up until I learned that she and later my adult daughter was taking advantage of my vulnerability. In XXXX our home went into foreclosed proceedings for the 4th time and I got the funds from my sister for the second time to bring the mortgage current. I made my sister power of attorney and sought legal actions which resulted in both being removed from the home. 
XXXX : While cleaning out a closet I once shared with my significant other I found an old document from a company called Real Time Resolutions in regards to a an outstanding loan balance demanding money for a loan that I have no knowledge of. 
XXXX XXXX XXXX XXXX is the company who serviced my mortgage in XXXX until it was sold to XXXX XXXX XXXX XXXX in XXXX whereas my mortgage is in good standings. 
My sister called Real Time Resolutions to find out who they are and to get information about the found document. She was told that it was a loan signed by me and my significant other for {$46000.00} and that if I did not make the back payments and bring current ( approximately {$25000.00} ) that they will put a lien on my property. My sister asked them to explain why they have not bothered me before and why wait until so many years to passed by. According to the date on the document I found it has been over 10 years. My sister went on to explained how my significant other and adult daughter forged documents to seek financial gains and that she will need to see a copy of the signed loan documents. She went on further and requested them to mail her copies of all documents containing signatures, modifications, loan transfers, loan notices and all future correspondence regarding this account to her address but was not successful. 
XXXX : On XX/XX/XXXX my sister sent another request only this time in writing for the above information to be mailed to her within 15 days, Real Time sent her a response dated XX/XX/XXXX ( 1 month and 12 days later requesting more time to gather the requested documents. Sister did not receive the requested documents from Real Time Resolutions but instead received a letter dated XX/XX/XXXX stating that on XX/XX/XXXX the loan was sold to XXXX XXXX XXXX XXXX XXXX but I should make the payment to Real Time Resolutions. My sister and I are concern that Real Time Resolution dragged their tail on getting her the proof because they have no proof and did not honor her request and in a timely manner. We also wanted to know why after so many years you are harassing me and threatening a lien or foreclose on my property

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
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:
I HAVE ASKED EXPERIAN NOT TO SEND ME A PRE-MADE LETTER STATING THEY VERIFIED THIS BANKRUPTCY WHEN THEY DID NOT SO NOW I AM EXERCISING MY RIGHTS REQUESTING A METHOD OF VERIFICATION/VALIDATION TO THIS INVESTIGATION. I RECENTLY SENT THIS CERTIFIED ONLY TO GET THE SAME PRE-MADE RESPONSE. PLEASE READ THIS REQUEST INTEL AND SEND ALL OF THE INFORMATION THAT I AM REQUESTING FOR THIS METHOD OF VERIFICATION BELOW : RE : METHOD OF VERIFICATION EXPERIAN : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s )  arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

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 2018-04-15
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently signed up for a Chase Sapphire Preferred credit card. The promotional offer on Chase 's own website said you receive XXXX   bonus miles by spending {$4000.00} within the first three months and that the annual fee of {$95.00} would be waived in the first year. However, about a month after I opened my account, I was charged the annual fee of {$95.00}. When I called, they said it was because only one offer was applied and not all offers are available at the same time. I find their advertising false and misleading, because it does not state that only one of the offers will be applied. They refused to waive the {$95.00} fee, even though that is what was advertised to me when I applied for the card ( and what is still advertised now ). The website needs to reflect the actual promotional offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasn't done and that violates my rights as a consumer I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission.

I gave XXXX  permission to run my credit XX/XX/XXXX not 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 explanation
Consumer complaint received 2018-06-08
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a mobile deposit on Monday XX/XX/XXXX. One hour after deposit I did some research and notified the bank and my bank of possible fraud. I repeated and plead for the check to be removed out of my account as the person who paid me was fraudulent. I was promised over and over it would be removed. I have spent day after day to try and resolve this matter. Now my account is froze and showing a negative balance. BBVA compass gave me the run around and would not remove fraud check off my account when I am the one who notified them of the problem and now it is stopping a direct deposit from coming in positive and now funds are showing negative in my account. I have spoke to many people and supervisors regarding this incident and now I have no money for my children. The check was for {$1900.00},. It was a bad check and I have emails and conversations with the scam artist. I also notified XXXX XXXXXXXX XXXX in Florida and I also spoke with XXXX and the bank is now known as XXXX XXXX in XXXX XXXX Florida. A direct deposit will be coming in On XX/XX/XXXX for my co owners account for {$1200.00} and my account is showing a hold of a negative balance. I am trying to resolve this issue and have provided both banks with a copy of the fraudulent check. I have been contacting for 4 days to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Transform Credit Inc.
State: GA
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:
On XX/XX/2022, I received a credit inquiry from Transform Credit , Inc and a new address on my credit report : XXXX XXXX XXXX, XXXX, GA. This is my sister 's address and not mine. The report says that there was new address activity on my report which was this address. I tried to contact the company and they only texted me. I have also emailed them with no response. I am still unable to tell who attempted to use my credit. I have a credit inquiry and new address on my credit report that is not mine. I have frozen my credit reports and filed a police report but I need an investigation into this matter as I plan to press charges. Please assist me in this investigation if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: IN
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 I purchased 5 concert tickets for a XXXX XXXX and XXXX XXXX Concert to be held in XX/XX/XXXX for {$1600.00}. This included meeting and greeting the performers and a photo with the performers. Because of the COVID-19 situation and the statewide ban on gatherings such as this, the concert can not happen and did not happen. Further, meeting and greeting a performer is no longer going to be possible at all. I asked the merchant, XXXX for a refund, but they claim that the concert is not cancelled, but postponed indefinitely. If the concert was cancelled, it would be refunded. Their website, as I recall, claimed to have extensive buyer protections. That's obviously false. I have a document from XXXX ( attached ) that seems to state that the concert will happen in XXXX!!!! This is ridiculous. Concerts are essentially illegal right now and rescheduling 3 years into the future is beyond ridiculous. I just want my money back. They did not provide the service I paid for and I need this money returned. I contacted Citi and disputed this charge, but Citi found in favor of the merchant that can not provide me with the services promised.

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 2018-09-17
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Previous Creditor : Pendrick Capital Partners LLC Reference # : XXXX Balance Due : {$180.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Acct # : XXXX Original Balance : {$180.00} Date of Medical Service : XX/XX/2014 I received a debt collection letter as well as a negative mark on my credit reports for the above listed account. Originally, Pendrick Capital Partners LLC had to remove the information from the credit bureaus and cancel the collection because they were unable to prove the billing providing bogus information and a falsified bill information. XXXX XXXX XXXX   XXXX is not owed this money hence the dispute. 

However, they to pursue this action by posting negative collection information on my credit. I have requested that this debt be removed as soon as possible. The fact that they sold this debt and it continues to be an issue has caused me to file a complaint. 

Selling and re-selling a debt that is not mine and my having to constantly remove from my credit is creating a problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Financial Data Systems
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have requested this company to delete this account for continuously violating the FDCPA by calling both of my phones multiple times per day, harassing me about a debt that they " validated '' by sending me a made-up invoice that they must have thought I would accept. You have bought this debt for pennies and now you choose to harass me and violate my consumer rights. This is not the way you conduct business. Please stop all forms of contact and delete this account from all NCRAs database and erase my information from your database as well. This is my last attempt to remove this item 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 2020-05-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Here is a brief summary of our complaint against Nationstar, which was originally filed through the CFPB on XX/XX/XXXX : 1. We feel like we were held hostage by waiting for approval until XX/XX/XXXX, literally the evening of the last day of the year. 

2. Nationstar stated the only option we had to save our property was an in-house modification which required us to request in writing our desire to opt out of the Tier 1 modification. Furthermore, they required a {$20000.00} payment up front.

3. The {$20000.00} payment was not applied to arrearages, but rather interest-only. We missed out on two years of earned equity. The arrearages were applied to the backend of the loan which put us into further debt. In addition, our principal balance was increased without any explanation ( please see attached payment history ).

4. After two years of paying interest-only, we were forced to reapply and start the process over, which yielded negative marks on our credit report, which impacted our ability to obtain loan and yielded higher interest rates.

5. We never received a complete response from Nationstar or resolution regarding the many issues we stated in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Reference ID : XXXX Company Name : PayPal Inc Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On the XXXX of XXXXpapal limited my account the second timeBefore all these, I contacted PayPal that week informing them Ill be expecting more than mu usual money that particular week. I remembered talking to a lady though..I told her my account has been limited before and i asked her whether is it possible it might get limited the second time? and her response Yeah..Buh since you can provide the requested documents again then hope that wont be a problem. She explain things to me and assured me my account will be safe.But before that, i already have an accumulated money in my account already. 

Days later, I attempted to withdraw {$2000.00} which was placed on hold for 24hrs. 
Transaction type : Withdrawal Date : XXXX XX/XX/2020 Amount : {$2000.00} Status : denied Transaction ID : XXXX During that awaiting 24hrs, I received {$500.00} from a business partner which was also place on hold for further review by PayPals security system.. 
Date Received : XXXX XX/XX/2020 Amount : {$500.00} Transaction id : XXXX Later that day, I received an email from PayPal indicating my account been limited permanently due to suspicious activity. PayPal will not even provide me with evidence showing me what this " suspicious activity was. '' When It happened, thought the system made an error because I received 2 emails with the same limitation messages ... I contacted PayPal via email -- it took them three days to reply. When I did get the reply, it had NOTHING to do with what I had written. Their response was sorry your account remains limited for 180 days ... I've tried contacting them on both phone and email but all to no avail..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: MI
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 live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a  RipOff the have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.

Company response to consumer: Closed with explanation