BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it 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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Viewed the credit report and it shows that the XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX XXXX confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX XXXX confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. They fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved. On XX/XX/XXXX, it showed correctly on my credit report now in XXXX its showing incorrectly.

Company response to consumer: In progress
Consumer complaint received 2018-12-28
Company: EQUIFAX, INC.
State: NJ
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/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate.

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors.

Each inquiry remains unverified because no direct contact to the furnisher was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: NC
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 had identity theft done to me and itis noted on the website of XXXX and I have also taken the time to list it on this complaint. The following items does not belong to me. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

I also have a plethora of inquiries that are due to come off that doesn't belong to me. Here are the listing : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Self Financial Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account was for rent reporting. The rent was paid in a separate court settlement and I do not authorize this account on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 not the owner of US DEPT OF EDUCATION/XXXX, This is not the correct name of the student loan that was granted..I do not owe this company..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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 2018-02-27
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, we received the annual escrow account disclosure statement which showed a significant shortage. We have attempted to call, email and even XXXX XXXX with LOANCARE inquiring about the escrow shortage as well as how the {$200.00} increase on our mortgage payment can be a difficult undertaking for our single income household. In essence, we simply didn't understand how such a significant shortage can occur. We attempted to call on XX/XX/XXXX at XXXX and were on hold for over 5 minutes and submitted a request for a callback, which never occurred. We called again on XX/XX/XXXX at XXXX and spoke w/ an employee who advised that the possibility of the shortage was due to the fact that the previous owner was military. She further advised how we can submit a request in writing to lengthen the shortage from 12mos to 36mos. I did so via the customer online portal via www.myloancare.com. We were advised it can take 10-15 days to receive word as to whether or note our request would be approved. We never received a response. We then called Customer Service again on XX/XX/XXXX, two times ; XXXX and XXXX. We were on hold first for 12 minutes and the second call was over 53 minutes. We never actually spoke with a human being on XX/XX/XXXX. We looked on the www.myloancare.com website in which you can request an advocate. There is no direct phone line and a form must be submitted online, which we did. We never received word of being assigned an advocate. My wife then called on XX/XX/XXXX at XXXX. We actually spoke with a member of customer service by the name of XXXX. Due to policy, she wouldn't speak with my wife because her name is not on the loan, so my wife conferenced me in on the call. I advised XXXX she has my permission to speak with my wife about the mortgage loan on my behalf. XXXX was apologetic about the lack of response and total disregard of our circumstances and lack of customer service. She asked if we'd like to escalate our issue to management in which we responded with a very firm YES! However, all members of management were busy or not  present and went home for their evening. XXXX advised that we would hear something about our request within 48 hours and that she personally would follow up which never occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
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:
I purchased items from XXXX. I returned them in three days. I charged them using a XXXX credit card. XXXX went me bill anyway and it was sent to the wrong address. They charged me late charges and stated that I owed $XXXX. I paid the alleged $XXXX and have not used the card since  I made the purchase in XX/XX/2019. They reported a late payment inXX/XX/2019. I had never received a bill because XXXX   had sent the incorrect invoice to the wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is that selene finance has not removed the 60 days late from credit report it shows on XXXX  and XXXX. My loan is XXXX I call customer service they told me that they will remove the 60 days off my report but it still shows on XXXX  credit report and XXXX my social security number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Monday XX/XX/, I discovered that someone robbed my debit card information and stole {$470.00} leaving my checking account in the negatives. It occurred in six separate charges from the XXXX XXXX XXXX ( XXXX XXXX ) app. Whenever I order from them, my order always remains under {$10.00} so there is no way that it could've been me. I immediately called my bank, Citizens, and notified them of the fraudulent charges. The bank opened up an investigation and confirmed that the money would be returned once the investigation was completed. I'm writing this on the afternoon of XX/XX/, approximately 9 business days later and I still don't have my money back or an official update from the bank. I called the bank today for an update, and the employee confirmed that the investigation was completed and that they denied my request -- essentially saying that they won't be returning the money that was stolen. I had to open another claim today and now it seems like we're doing this from the beginning all over again. I feel like I'm being penalized for having my money stolen and it feels even heavier now that we're officially in the holiday season when money is tight. 

In addition to NOT returning my money, the bank also denied to provide me with a notarized/official letter which I need to file an official police report ( I was turned away at the precinct ). I went to the Citizens bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where the manager made me wait about 30 minutes to tell me that they won't be able to help me with that. They made me feel bad for even asking for a letter when we all know very well that other banks would've provided the letter without a hassle. 

I feel particularly vulnerable and helpless right now. Every where I've gone I've been met with disappointing " no '' after " no. '' I would appreciate any assistance with this. It doesn't feel right that I have to suffer the consequences of all that money being stolen. 

Thank you and XXXX XXXX. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03
Company: EQUIFAX, 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:
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX  XXXX Balance : {$5100.00} XXXX  XXXX  XXXX Balance : {$3400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: W&A Intermediate Co., LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield and associates has been trying to collect a medical bill from me for 2 years. First the bill should have been billed to my insurance as I have two insurance plans, but the hospital sent it to collections and never sent me a bill. Second I never signed an agreement that had the bill collecting interest. This bill started at XXXX and they had already added interest to it before contacting me and I refused to pay interest on a medical bill. We have been arguing for 2 years now and I believe what they are doing is illegal. The bill is now XXXX dollars. I have reported it to the credit bureau and they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The following message ( request ) was sent to credit card company. 
-- -- -Original Message -- -- - From : XXXX Sent : XX/XX/XXXX XXXX PM To : XXXX Subject : Customer Contact Request [ EXTERNAL EMAIL ] Use caution with links and attachments. 

XXXX XXXX XXXX Dear Customer Service, Please see the request below. 



First Name : XXXX Last Name : XXXX Last 4 Digits of SSN : XXXX Zip Code : XXXX Selected Concern : FI Detailed Comments : Hello, This account was reopened and credit applied without my knowledge of an Annual Fee of {$49.00}. In fact, I did not apply to have this account reopened. The balance on this account was paid off over a year ago. Credit cards with annual fees are of no interest to me! In fact, I have credit cards with much larger available credit with no Annual Fees. If possible, I would like to keep this account with no annual fee. If not, delete balance of {$49.00} annual fee to a zero balance and close this account asap. Thank you, XXXX XXXX FOLLOWING IS LATEST RESPONSE FROM FORTIVA CREDIT CARD COMPANY ON XX/XX/XXXX : Dear XXXX XXXX, Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. Our records indicate that an annual fee of {$49.00} was charged to your account on XX/XX/XXXX. The annual fee is a onetime fee assessed every year to cover expenses associated with managing your account. Unfortunately, we are unable to comply with your request to waive the annual fee. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. 

Thank you for contacting Fortiva Customer Service. 


XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX | www.myfortiva.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2023 I received a call from Pay pal asking me to pay a balance on my checking account because it was over drawn by for {$570.00}. after continuing the conversation with the representative he explained that their were requests for charge backs from some people who had sent me money using pay pal services. i explained to pay pal that all transactions were completed in person and not through pay pal. but pay pal was used to send me the money. i also explained that who ever requested the charge backs was trying to scam me out of money. i asked pay pal was any proof of wrong doings on my behalf sent to them, they said no so i asked why was money taken from my account, i was not given any direct answer to that question. i asked why was i not called immediately once some one put in a claim against me, i again was giving no direct answer to that question, so pay pal has basically took money from my account and given it to scammers and is now trying to stick me with the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX {$35000.00} XX/XX/XXXX {$14000.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$450.00} I sent transunion a 3 different letters over the last 105 days advising them of these fraudulent accounts on my credit file asking them to please send me a copy of the original application for these accounts. They have yet to do so. or send anything to me to verify these accounts.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: In progress
Consumer complaint received 2018-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Checked account on Thursday, XX/XX/XXXX at XXXX, had a positive balance. At XXXX XXXX on the XX/XX/XXXX, received confirmation via email, ( have copy ) that deposit of {$780.00} was made to account. At XXXX XXXX on the XX/XX/XXXX, was notified that my account was overdrawn. ( have copy ) When I contacted B of A, was told that when an account is overdrawn they do not notify you until the next day. I was not told of this before. This also, is not the first time that B of A has done this, they continually change the rules to charge overdraft fees, this is another example. In the past, when I was notified of an overdraft, I was allowed to put cash into the account to cover these overages as long as I did so by XXXX of that day. I see that now they are not giving me that opportunity. I believe they have changed the rules to purposely charge these fees.

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 2018-02-27
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My Federal loan was transferred to this company about 5 years ago. I logged in and set up auto-payments that would increase every year or so to help pay off the balance faster and unfortunately for me, didn't pay much attention to the account. My original balance was {$34000.00}. I have paid over {$9000.00} to this company for my loan, and now my balance is {$35000.00}. This interest rate must be the legal max, which is absolutely not what I signed up for. My estimated 'pay off ' is in 21 years and at that time I would have paid {$70000.00} for a {$34000.00} loan. What is my interest rate? No clue. Cant be found on the website after I log in ANYWHERE. I have a feeling I received some scam letter saying my loan was being moved to this company and fell for it. I am paying off this loan with this company today in full so I don't have to deal with this SCAM any longer. But I would love some answers and to find out if I can get my {$9000.00} back/applied to my loan rather then pocketed by this 'company '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The company is attempting to collect a dept for my XXXX credit card. They call me about 20 times a day and about 3 of those calls have come after XXXX. I have asked them to stop calling so much and not so late only to be cussed out and called a deadbeat loser who cant pay bills!! I want this harassment stopped by them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had a hard inquiry i never applied for. I would like to remove the hard inquiry on my report with Comenitybank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield has placed a negative collection item on my XXXX credit report in the amount of {$20000.00}. I have never had any contracts with Hunter Warfield nor any of their clients. 

Hunter Warfield has harassed me with numerous phone calls as well as emails on a daily bases. They are reporting inaccurate information on my credit reports and have failed to validate any debts that they claim that I owe. 

This collection is erroneous and does not belong to me. 

I am requesting immediate removal of this erroneous account which was date XX/XX/2020.

Company response to consumer: Closed with explanation