BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: MS
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2019-09-18
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I bought tickets from an individual through PayPal. The individual informed me to pay by using friends and family. The scammer never sent me tickets nor did they offer a refund when I asked. The scammer also was aware of the friends and family versus goods and services as I am not. I paid {$250.00} to the individual for 2 tickets. I tried to cancel the transaction on PayPal after realizing the  tickets was not real, I filed a dispute and it was denied the next day. When I contacted PayPal they said I must wait until it is not pending anymore then contact the bank. When contacting the bank, they rerouted me to PayPal and said that there must be some sort of consumer protection and they would have to be the ones to do the refund since it was paid through there site. PayPal has been no help and every time I call they give me the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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:
XXXX account # XXXX {$12000.00} the creditor said they would not report any negative payment to the bureaus for 6 months because I called prior to advise them my income had changed significantly due to covid. I even asked the representative if there was anything I needed to sign and she said no that she would enter all information into the system. 


When Federal Law Prohibits Negative Credit Reporting The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. 

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a 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 2018-01-20
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX my wife and I began the process of obtaining a mortgage for a four plex apartment building we planned to purchase. In the process of applying for the loan the loan officer filled out the application by doing an interview in person and by phone conversations with me. When we received the loan application to sign we discovered that some of the info was incorrect. Even after we tried to correct the info some remained incorrect. 
On XX/XX/XXXX or about a purchase agreement between buyers and sellers was submitted to US Bank and this started the application process. The purchase agreement contained all of the questions normally asked by a lender for obtaining a mortgage in Minnesota, however by XX/XX/XXXX US Bank requested that the seller complete a Seller 's Property Disclosure Statement. This was don and submitted to the bank by XX/XX/XXXX. 
Because of the repeated requests by US Bank for additional information that always seemed to be information we had already provided, I asked the loan officer and loan processor if they would tell me if they could n't or would n't write this loan. Their response was that they wanted to write the mortgage. 
Every time we provided documentation they requested, they would ask for something different. It was now XX/XX/XXXX. Because of tax liabilities my wife and I could no longer assume that we would be able to close the mortgage before the end of the year, and it became impossible to satisfy the requirements of US Bank. 
To protect ourselves we purchased the property on a contract for deed, and waited to hear from US Bank as to why it was so difficult to close this mortgage. 
I spoke with a number of leaders of the mortgage department, they were very polite and asked many questions. At the end of the conversations they promised to get back to us. 
On XX/XX/XXXX my spouse and I both received letters of denial from US Bank. These letters stated that there was not enough collateral for the loan. This is absolutely not the response we expected because that is a false and deceptive statement. We believe we were denied for some other reason, probably discriminatory. 
We have all the documentation for all contact we had with the bank including emails and texts. We believe that US Bank is being deceptive about the reasons for the denial and we believe they have broken the mortgage credit laws by this denial.

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 2018-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I noticed when you fill up on the page of Equifax https : //www.alerts.equifax.com/XXXX ) that the social security number is not masked. I believe that sensitive personal data like social numbers should be masked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I spoke with XXXX on XX/XX/XXXX and advised that I did NOT WANT my payment to be debuted in the XX/XX/XXXX, and wanted it to be debited on the XX/XX/XXXX. She said that she had changed to date and that the payment would not go through. However the payment still came out on the XX/XX/XXXX due to her not canceling the auto debit, which in turn cost me overdraft fees with my bank. I called and attempted to resolve the issue with her and advised this was her mistake which she admitted but she said there was nothing she could do. I advised her that this is the second time that she has made this mistake and during the last mistake she even offered me a personal loan due to her error. I respectfully declined. My bank did a conference call and she also admitted to them that it was her fault however she said she had no way of reversing her error. She also admitted that she finally opted me out of auto debit ) which should have been done ). I spoke with her this morning and she advised her district manager said they are not refunding the fee or reversing the payment although it was her error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20
Company: Diversified Consultants, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been taking measures to improve my credit the past few months. In XX/XX/XXXX I disputed a collection account on all three credit bureaus. The collection was listed as XXXX XXXX ( account # XXXX ) for {$180.00}, original creditor was XXXX XXXX XXXX. I have no knowledge of this account. My ( XXXX ) dispute results came back on XX/XX/XXXX with the results stating that the account was removed from my credit report. XXXX and XXXX also removed this account after completing online disputes. On XX/XX/XXXX, this same account, Original creditor XXXX XXXX XXXX for {$180.00} was reinserted on my credit report by all three credit reporting agencies. It is now listed as a collection from Diversified Consultants ( acct # XXXX ). I am not sure why this debt keeps resurfacing as it is not mine, and also I never received any notification in writing or otherwise pertaining to this debt or the fact that it would be added back onto my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have already sent 2 complaints : XXXX XXXX.

This is regarding LoanDepot payments that I have made. The problem was suppose to be fixed. I just received a bill for XX/XX/2018. It states I owe XXXX I have already paid XX/XX/XXXX and XX/XX/XXXX. This keeps happening. I do not know what else to do with this loan 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 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Closed : XXXX XXXX, XXXX + {$6900.00} Closed This account is still showing a balance on my credit report. I filed chapterXXXX bk and was discharged in XXXX XXXX, this loan was also part of the bankruptcy, I have spoken with XXXX many times but they keep reporting that there is still a balance showing, I want the balanace to show " XXXX ''. the vehicle was returned to them pior to filing the BK.

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 2018-01-21
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Company Diversified Consultants continues to pop up on my credit report even though they produce no debt validation of supposed debt. They continue to call and harass family members at all hours of the day numerous times of the day even after being told to stop. No letters or anything have ever been sent to me. No account numbers or anything have been provided whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: Debt Recovery Solutions, LLC
State: MO
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 NOTICED IN MY XXXX CREDIT ALERT, reported a new account of XXXX credit report. 
New bank/credit card dept. Recovery Solution L.L.C XXXX cardit report alert date : XXXX XXXX XXXX2017 source : XXXX phn. numb XXXX balance : {$980.00}. 
Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX i have filed so many disputes on this bank /credit card co. i already filed for Idenity theft and fraurd .like this to come out of files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: CITIBANK, N.A.
State: NY
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 noticed several inquiries on my credit report after I pulled my report.

on XXXX  there is 3 inquiries I have no knowlodge ofXX/XX/XXXX XXXX XXXX  XX/XX/XXXX bloomingdales XX/XX/XXXX XXXX.

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...

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 2018-01-21
Company: JPMORGAN CHASE & CO.
State: NY
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 noticed several inquiries on my credit report after I pulled my report. 

on XXXX there is 3 inquiries I have no knowlodge of XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 I opened a XXXX Bank Account ending in XXXX with Bank of America XXXX XXXX XXXX XXXX number is XXXX her email is XXXX We received XXXX bank statement that said Deposits for the month of XXXX were {$38000.00}. ( As seen in attached ). We then had a few transactions that were not processed correctly on our clients side ( XXXX XXXX XXXX XXXX ) and therefore caused Bank of America to " close '' our business account ending in XXXX. The " Account Closed Transaction '' amount is {$18000.00} ( as seen in attached ). We received a letter dated XX/XX/2021 that the account ending in XXXX is closed & " ... [ funds ] ... won't be returned to you. As permitted under our XXXX agreement, we've frozen the fund while we review the transactions and validate the source of funds. '' On XX/XX/2021 ( as seen attached ) we sent a Demand Letter from our XXXX XXXXo Bank of America XXXX Bank XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX & never received any response or correspondence. 

As of today XX/XX/2021 they, Bank of America, have not released the amount of {$18000.00} due to us & therefore has caused financial stress & hardship on me, my business, my clients & my employees. I am filing this complaint because they have closed the account ending in XXXX & have held my funds for an excessive 68+ consecutive days.

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 2021-12-06
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: Investigation took more than 30 days

Complaint:
I filed a dispute and the investigation in regards to the incorrect information on my credit report. It took more than 30 days and I have not received any investigation results.

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 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX XXXX XXXX XXXX inaccurate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Equifax XXXX XXXX XXXX XXXX XXXX on all 3 Bureaus inaccurate XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: General Motors Financial Company, Inc.
State: OH
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:
After reviewing my credit report I see that GM Financial has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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:
TRANSUNION I RECENTLY RECEIVED INFORMATION STATING THAT MY SS # WAS PART OF A DATA BREECH. I AM A VICTIM OF IDENITY THEFT AS WELL. I CONTACTED YOUR COMPANY IN XX/XX/XXXX REQUESTING FRAUDULENT INQUIRIES ON MY CREDIT REPORT. AND THEY STILL REMAIN ON MY CREDIT REPORT I HAVE CONTACTED THESE COMPANIES AND STILL THEY REMAIN ON MY CREDIT REPORT. ACCORDING TO THE FCRA YOU CAN NOT REPORT INACCURACIES OR UNAUTHORIZED INQUIRIES ON A CONSUMER CREDIT FILE. I AM ASKING FOR IMMEDIATE REMOVAL OF THESE FRAUDULENT INQUIRIES OR YOU WILL BE IN VIOLATION OF SECTION 617 FOR NEGLIGENCE .PLEASE REMOVE THE FOLLOWING FRAUULENT INQUIRIES ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX X 2 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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and XXXX have gotten into the wrong hands.

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