BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Inquiries should have been removed by now accounts that are paid off & closed out should be removed from my credit

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 2021-07-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
To be clear, this is a new and separate issue from my last PayPal complaint. Im trying to resolve a negative balance in my personal account of - {$500.00} using the {$4100.00} positive balance in my business account. Ive spent one hour on the phone with them trying to get this done. They say it cant be done because there is a hold on the {$4100.00} due to the negative {$500.00}! An absurd chicken and the egg problem with a very simple logical solution. After an hour on the phone their representative said that his supervisor says that they cant do it. I cant speak to the supervisor. And when I ask for any sort of clear reason or problem that is keeping them from resolving the negative balance and releasing whats remaining of the {$4100.00} the representative says he was given absolutely no reason. When I ask to speak to another supervisor and PayPal ( because his supervisor apparently refuses speak to me to give me a reason or solution ) he tells me that there are no other supervisors! At all of PayPal!!! This is pathetic. He just told me that all of PayPal collections is on a the same XXXX XXXX and cant call me back for 48 hours!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
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: Information belongs to someone else

Complaint:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 


XXXX XXXX XXXX XXXX XXXX


Also remove inquires

XXXX  inquires 

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 explanation
Consumer complaint received 2021-02-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I believe Comenity Bank violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case Comenity revoked my credit. Shown in exhibits. 

I believe Comenity Bank is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or XXXX XXXX XXXX of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits. 

Fact, Comenity Bank did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits. 

Fact, Comenity Bank violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on 8/3/2015. I believe Comenity Bank is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits. 

Affidavit is attached in file upload so please respond quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: NY
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 explained to the Equifax customer service person that I have been a victim of identity theft and my personal information has been used to attempt to get things in my name. I have not applied for anything & don't know the person who tried to fraud my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: EQUIFAX, 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:
According to my most recent credit report, XXXX  and XXXX  are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
NOTE : This is a problem with XXXX, but I'm going to briefly summarize the details of the account that I'm disputing with them. 

-- ACCOUNT BACKSTORY -- In XX/XX/XXXX, I signed up for a Wells Fargo " Student '' Visa credit card. I used the card normally for three years. 

In XX/XX/XXXX, I paid - in full - the balance on that card. I was moving out of the country, so I put the card in a safe place and stopped using it. 

By XX/XX/XXXX, Wells Fargo had charged that card with some unauthorized service fees ( not found in our contract or any disclosure made to me ). It was a small amount, maybe {$25.00}, but enough for Wells Fargo to raise my APR to the maximum allowed and charge compounding interest. I became aware of this in early XXXX when I finally got an email notice that my card was " over limit '' - about {$3000.00}. 

I contacted Wells Fargo and explained the situation. I asked them to remove their original charge and the subsequent interest. They were unwilling to do so, and maintained that I needed to pay " my balance ''. I refused and closed all accounts with them. 

By XXXX, Wells Fargo marked the account as delinquent. I entered a 6 month contract with a credit repair service company called XXXX XXXX XXXX, XXXX. They were able to dispute the validity of the charge, and Wells Fargo ultimately charged off the account as a loss, adding a deragotory mark to my credit report with all three bureaus. I was assured by XXXX XXXX XXXX that this was a " good outcome '', and didn't challenge it. It affected my credit for years, taking me from the 700s down to about XXXX. 

-- CURRENT DAY -- Presently, the deragatory mark has been lifted from two of  the thre bureaus, but not XXXX. XXXX acknowledges my account as closed and charged off, but continues marking a delinquent payment every single month. They've indicated that they plan to do this until XXXX. 

Throughout XXXX, I've periodically contacted XXXX over the phone, and today signed up for an account on their website so that I could document their refusals. XXXX maintains that they're under no obligation to review my dispute, since I've " already disputed '' the 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 explanation
Consumer complaint received 2021-04-09
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage Company : Better.com ( Better Mortgage Corporation ) I was told that I could shop for my own Title Company but then when I asked to use someone of my choice, I was told I would have to pay them a fee.

Now they are having me use their preferred Title Company who is charging way more than the Florida statutory rate for title insurance. Earlier in the process they also misrepresented the amount of lender credits I would get when switched loan amounts ( I was told the amount in the original loan estimate would transfer but then only some of them did and they refused to change it, but it was only like {$100.00} so I let it slide ). 

I've had multiple back and formats with them about both of these. 

The most concerning is the title insurance one, as it may be around {$700.00} difference. I was told ~3 weeks ago that I would have the option to select a title company at closing. When I spoke with their Closing Expert on XX/XX/XXXX, I was told it was too late to switch title companies. Upon me insisting, I was told I could only use a different title service company if I paid Better a fee to extend my mortgage period, and that Better had already started the process with their title company who I had not selected. 

I've tried to have them do something about this but they keep plowing ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions 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:
The inquiries on my credit report were not authorize and I do not have accounts with any of those companies

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 2018-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received ON AVERAGE 2 calls a day from Portfolio Recovery Associates. I called them back to see what they could possibly be calling for ( I have no debt to be collected ) and after giving my name they said they had the wrong number. I was HARASSED for months for something that was not even meant for me! This is beyond frustrating and should NOT be happening!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from RCMB dated for XX/XX/2018 that stated I owed an amount for {$110.00}. 
I immediately sent RMCB a certified mail letter requesting validation of the debt. 
Within the letter that I provided to the CFPB is clear what i requested specifically and expected in return from RMCB .... 
However, what I received was a bunch of coded numbers and my name & address With no signature from the original creditor they represent .... 
I immediately called RMCB and asked why they did not provide proper validity of the debt and I was told by a representative they were unable to provide the items requested in my letter do to HIPPA Laws .... 
So I further ask the representative about the information I received about the debt that didnt have a signature and she made it very clear the information was not sent by their company and that the original creditor sent the information. 
So I immediately called the original creditor to ask why they did not provide a signature on the documents I received. 
XXXX made it very clear they did not send the documents and asked me what was the name on the actual exterior envelope? 
I then told the representative of XXXX it was sent from RMCB which is why I was calling because I was confused to who sent it. 
She indicated what the documents was but informed me they did not send them as stated by RMCB that denied sending them. 

So I am first not understanding why RMCB would deny sending this info and why RMCB is not respecting the law thats very clear according to FTC and FDCPA, for a proper validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Eastern Account Systems of Connecticut, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX DOS : XX/XX/XXXX went to XXXX. My Medical Ins Requires I pay {$80.00} copay. Copay was paid to XXXX XXXX XXXX, however, XXXX XXXX XXXX has continued to collect and report on my CR. XXXX XXXX billed was {$570.00}. I paid 2 payments, XX/XX/XXXX & XX/XX/XXXX of {$25.00} each. Which I am due a REFUND. XXXX XXXX XXXX were included in the hospital bill submitted by XXXX XXXX XXXX claim. I pd my required {$80.00} copay. For 2.5 years I've spent hours & hours contacting my Ins. company & XXXX, even conferencing in the 2 companies with myself to resolve this issue prior to it going to collections!! I have made several disputes through XXXX XXXX, including one today, XX/XX/XXXX to resolve. It indicates to contact XXXX directly. I tried on-line today to dispute and appears I have to pay {$19.00} membership. I have previously submitted documents on-line via XXXX XXXX & XXXX. My Credit report indicates marked derogatory. XXXX XXXX owes me a refund of {$50.00} and my Credit reports need the collection removed. This happened before and took 5 years for me to get it removed from my CRs. 
Why does this happen? When you have a copay via medical insurance and are still billed for a service that was contracted and included in the copay??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: CT
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 filed a dispute with experian about an account on my credit report that has already been paid off but they keep reporting it late even though it isnt late everyone has struggled with covid 19 pandemic on harsh unpredictable times .... please stop making consumers suffer for something that isnt there fault it is unfair and unjust!

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 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 FILED WITH THE FTC, I HAVE WRITTEN ALL THREE BUREAUS, INCLUDING 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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is 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 2018-09-22
Company: C.Tech Collections, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I received a bill from XXXX XXXX XXXX for {$15.00} I immediately contacted the company explained that that amount was billed in error they agreed and closed their file and I mine. date of service XX/XX/18. 

With a letter dated XX/XX/18 from C.tech Collections Inc. XXXX XXXX XXXX, XXXX. XXXX, NY XXXX the collection company was communicating that XXXX XXXX XXXX XXXX had referred my account to their office for collection and that, unless disputed within 30 days, they would have assumed the debt as valid. Letter signed by XXXX XXXX VP Operations ( XXXX ) XXXX Payment ID # XXXX XXXX XXXX I immediately contacted XXXX at the collection company, very upset, informed them that there was no such amount due and immediately without asking further questions she stated to consider the matter closed and dont take further action. 

The above raised some suspicions, so I contacted the service provider, XXXX XXXX XXXX, who appeared to be astonished about the news as they stated never having referred such debt to this particular collection company. 

I am very much concerned about the unfair, deceptive action and practice from this particular collection company and I am wondering how many more consumers they have unfairly billed. Company such as these pose a dangerous threat to the community and need to investigated for possible UDAAP violations. 

On my part I would expect a letter of apology because they have insulted my intelligence and my integrity. Particularly for {$15.00} seem so pitiable action on their part. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 faxed a letter to Transunion last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/XXXX they are reporting on my credit report. As I write this letter, this incorrect/invalid account continues to damage my credit file and Transunion doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I do not believe that this item is supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance to the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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