BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SEVERAL HOURS of disputes have been submitted through XXXX  XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
THIS COMPANY IS XXXX. Original Creditor. XXXX ACCOUNT was opened on XXXX. The Credit Card Limit was only {$300.00}. XXXX HAS SENT THE limit to LNLV FUNDING  for a COLLECTION OF {$630.00}! Outrageous! I'm disputing the information regarding this account as well as the need for an investigation to occur with this company who has purposely tried to destroy my credit with a collection on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: CA
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:
Pursuant 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
In accordance with the fair credit Reporting XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 StaXXXXes I have the right to privacy. 

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-02-26
Company: Sequium Asset Solutions, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was informed by XXXX on XX/XX/2021 that Sequium Asset Solutions had placed a Debt Collections notice on my credit report ( filed on XX/XX/2021 ). 
-- Report # XXXX -- Acct # XXXX I have never received any notice from any creditor or company about this matter. The notes in XXXX placed by Sequium Asset Solutions resulted in an immediate 125 point reduction to my credit score. 

Sequium erroneously filed claims with all three credit rating agencies that I owe {$1800.00} for an account opened on XX/XX/2021. 
-- No details or proof of purchase for this claim have ever been provided or even mentioned to me by Sequium or any other party/company. 
-- By the way, the emails and pop-up adds from the credit reporting agencies when one begins the dispute settlement processor are also unsettling and unhelpful as they seem to imply that debt collector must be correct and that it will likely lead to a protracted dispute process. Then they barrage the person disputing with numerous expensive services. 
-- A note on one credit report seems to connect the action by Sequium to services by XXXX XXXX XXXX. For the record, please note that I have not used any XXXX XXXX XXXX service or product for more than 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-04-12
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: Investigation took more than 30 days

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$120.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I notified Mr. Cooper mortgage on XX/XX/XXXX to obtain payoff amount as I am selling. I was subsequently sent 6 different payoff quotes over the next 2 weeks back to back. My principal balance was {$32000.00}. Lender paid expenses were initially {$1100.00}. I began to receive payoff information back to back, and the principal stayed the same and my Lender paid expenses jumped to {$8900.00}. This company has had my mortgage for less than 2 years. 
I contacted them and was told on 3 different occasions that they don't know what the fees are for. One woman told me it was for the payments deferred for the Covid forebearance. They also stated they adjusted the dates for the time the forbearance began, which was XX/XX/XXXX. They back dated the start date to XX/XX/XXXX. I never contacted them for forbearance program until XX/XX/XXXX. 
Mr. Cooper support woman stated they " probably added the months of forbearance to lender expenses. They simply multiplied my monthly payments times 12 and added it to my payoff, which isn't correct as I only had the forbearance for 6 months. This brought my payoff amount from {$32000.00} to {$41000.00}. They informed the title company handling the sale of my home payoff is now over {$42000.00}. This is theft. I was advised they will also be keeping my escrow balance of {$2000.00}! Mr. Cooper is a predatory lender who bought my loan. There is no way they should be allowed to add {$10000.00} to my payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Representatives from Loan Depot have repeatedly claimed to be calling on behalf of the VA rather than a private loan servicing company. Their effort to extract personally identifiable information by fraudulently claiming to be US Government employees is a shameless and illegal means of exploiting veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX XXXX ( XXXX ) XXXX {$500.00} Prepaid giftcards were depleted of nearly entire amounts through fraud ( {$1300.00} ). Soon after I contacting XXXX who turned me over to their vendor US Bank. In XX/XX/XXXX I made follow up call wondering why I had n't heard back. US Bank Operator said it takes up to 120 days before I will be contacted by phone with further instructions on how to proceed. No response. I call back again and spoke to another operator in XX/XX/XXXX. She has me fax all info and receipts to fraud dept. In addition, each card has a small balance still valid and unused. The operator closes the cards out but assures me the remaining balance 's will be applied in my refund. two weeks later in XX/XX/XXXX I receive a refund balance of {$14.00}. I spoke to another US Bank operator and explain the refund amount is wrong. XX/XX/XXXX I receive letter claiming I had n't filed complaint within 120 days of fraud activity and they will not refund my money. I call XX/XX/XXXX US Bank supervisor informs me I had n't submitted complaint within the 120 day window from original XX/XX/XXXX fraud. I inform her, clearly mistakes are being made from US Bank regarding my multiple attempts to reach a resolution. She tells me, Sorry, the case is closed, No refund. The fact they sent me a new card with a balance of {$14.00} contradicts the 120 day filing policy excuse, why is that not subject to their rule also?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX & XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/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 2019-07-26
Company: EQUIFAX, 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:
Previously, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I requested that Equifax send me a copy of the verifiable proof they have on file showing that the XXXX account they have listed on my credit report is actually mine. On XX/XX/XXXX and XX/XX/XXXX, instead of sending me a copy of the verifiable proof that I requested, Equifax sent me a statement which reads, " The information you disputed has been verified as accurate. '' Equifax also failed to provide me with the method of " verification. '' Since Equifax neither provided me with a copy of the verifiable proof, nor did they delete the unverified information, I believe they are in violation of the Fair Credit Reporting Act and I have been harmed as a result. I have again, today, sent my fourth and final written request that they verify the account, and send me verifiable proof that this account is mine, or that they delete the unverified account. If they do not, my next step is to pursue a remedy through litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: MB FINANCIAL, INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This is regarding MB Financial and difficulties with their wire transfer service. I have relocated to XXXX, OH and closing on a home X/XX/17. I was told that the only way to wire transfer is to do this in person, which required me to fly from XXXX to XXXX for a wire transfer. This would not put me back into XXXX until after the closing time. Bank agreed to transfer funds from my account to my son 's account who lives in XXXX. They promised that the funds would be immediately available. My son went into the XXXX branch morning of X/XX/17 who received confirmation of the wire transfer from his account to the title company. This occurred prior to XXXX am on X/XX/17. As of XXXX pm, the money was not received by the title company. I called MB and they could not find record of the request. They then advised that their wire transfer system was down. Then they said they could not find these funds ( {$150000.00} )!! We finally got the XXXX branch on the phone who said he withheld the wire transfer until he could reach me ( I never received a call and the numbers that he called were not the number my son provided to him ). He then said he would execute the wire transfer immediately and call me back within 10 minutes. 15 minutes later and no wire transfer ... says he needs management approval and management is not available. I have made countless calls to elevate and get this resolved with runaround constantly and it is still unresolved. I will now not get my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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: Was not notified of investigation status or results

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 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 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitted a dispute online on a debt with XXXX XXXX Hospital that has been settled. This was confirmed by a representative of XXXX when I asked him to look at my old file. He said that the old debt collector has instructed XXXX to delete the negative report on the supposed debt. I asked XXXX why it would accept a file from a new collection agency, XXXX, on an old debt that XXXX   acknowledged has been settled. The rep said that it has no control on who files what on credit reports. 

On the online dispute I filed with XXXX, I just received notice stating that the debt is confirmed by the creditor, but the creditor it listed is the collection agency, not the original creditor. I do not think XXXX did any investigation other than asking the collection agency, XXXX, to respond to the dispute I filed with XXXX. The provided contact number and address of the original creditor turned out to be those of the debt collector, XXXX XXXX. 

XXXX is being irresponsible in just accepting the report of the collection agency even though its own representative, informed that this is an old issue that has been settled, still went ahead and reported that this debt has been confirmed as valid based on the say so of the collection agency. 

I think the collection agency is being clever by half in changing the amount owed from the original amount of {$1500.00} it filed to now {$1500.00}. I suspect this is to throw off XXXX to think that this is a new debt.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX, XXXX XX/XX/XXXX -Reporting in my consumer report XXXX XXXX XXXX XXXX XX/XX/XXXX -Reporting in my consumer report XXXX XXXX XXXX XX/XX/XXXX -Reporting in my consumer report DEPT OF EDXXXX MA XX/XX/XXXX -Reporting in my consumer report XXXX XXXX  XX/XX/XXXX -Reporting in my consumer report CXXXX XXXX XXXX  XX/XX/XXXX -Reporting in my consumer report XXXX XXXX XX/XX/XXXX -Reporting in my consumer 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 2018-05-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Purchased item on XXXX using PayPal credit in XX/XX/2016. Item advertised as being new and in working order. Item received suffered from factory defect. Attempts at contacting merchant were unsuccessful. XXXX instructed me to work with PayPal as " they would help ''. Only option at PayPal was to file a claim. Claim erroneously denied with PayPal stating this was a " warranty issue '', which is incorrect as the item received was not as advertised, i.e., " significantly not as described ''. I have spent nearly two years trying to get PayPal to fix their error, including sending two certified letters to their general counsel which never got a response. After the last certified letter to them, I stopped hearing from PayPal so assumed they just closed the issue. Now I am being contacted by a 3rd-party debt collector. PayPal never informed me they were turning me over for collections, and still does not acknowledge their determination was incorrect. I am happy to reimburse PayPal for their outlay to the merchant, as soon as I receive the item as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
I did not initiate these inquiries, and I believe they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
THIS DEBT IS NOT MIND UNDER THE FCRA I REPORTED AND ASKED FOR PROOF THEY FAILED TO PROVIDE ACCORDING THE THE FCBA AS WELL I WANT IT REMOVED AND THEY NEVER PROVIDED PROOF NEVER HAD XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2023-08-07
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: Personal information incorrect

Complaint:
I'm trying to get access to new lines of credit, but a previous situation with XXXX XXXX and XXXX is impacting my overall credit-score. 

This incident happened in XXXX, 2022 with XXXX XXXX ( XXXX XXXX ) consumer credit card payment that was delinquent for over 60 days. This ( XXXX XXXX ) XXXX XXXXXXXX XXXX  was transitioning over to XXXX XXXX responsibility during that time, and would no longer be under XXXX  XXXX going forward. 

* This change caused confusion on the consumer side. 

* In addition the above change, this issue was further compounded since we recently moved and underwent an address change during that time and missed the notification entirely. 

My wife and I share responsibility for the payments, and tied to the card. There was a small {$65.00} charge that personally I was not aware of and went unnoticed for over 3-Months and is a poor reflection and major derogatory mark on my personal credit score.

When tried to resolve the issue, they were not willing to help and made things extremely difficult to resolve. I was so frustrated, I closed the account with them and did not move forward with the new responsible party of 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