BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a zero balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: WI
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2019-05-10
Company: Direct Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told them to communicate with me only by mail. Today they texted me and a family member via text. The text allowed anyone they sent it to to accept/agree to on my behalf. I dont know what this is about. I want them to provide everything they have showing I owe whomever they are trying to collect for and to stop harassing me and my family members by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: First Data Corporation
State: MS
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On    XX/XX/XXXX  my card was lost &  XXXX  was taken from my lost card by a purchase made at  XXXX . I immediately called MONEY NETWORK to get a new card and to deactivate my old card before future payments be made from my account by a thief. Talked to numerous people to get a understanding of how disputes work and what will be done. On   XX/XX/XXXX   I sent my dispute form out and was told I will be credited for my missing money between  XXXX  business days,  10  business days pass but yet no credit or explanation of the investigation besides no update ; however on  XX/XX/XXXX   I was told by  two  representative that on Wednesday   XX/XX/XXXX   I will have a update & should be credited back to my account from the missing money. I have reach out to numerous representative and talked to the manager  XXXX  yesterday with still the run around I just want my missing money back asap.

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 2022-02-11
Company: Coinbase, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX - XXXX PM - I paid XXXX XXXX {$2500.00} for their moving services. 

XX/XX/XXXX - XXXX PDT - I emailed support that I needed to dispute the charge of {$2500.00} to XXXX XXXX The owner contacted me and cancelled. He said that he never received the {$2500.00} so he was not going to complete my move. He wanted me to send him an additional {$2500.00} on top of the {$2500.00} I had already sent. I started to feel like this guy was a scam artist and that is why I reached out immediately to dispute the charge. 

XX/XX/XXXX - I sent a follow up email to coinbaseXXXX XXXX  XX/XX/XXXX XXXX I sent a follow up email to Coinbase/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All of these dates I have reached out and no one can ever give me an answer. A few times they act like they cant find the claim. I have been given multiple claim numbers. I cant get a human on the telephone. This is AWFUL customer service! 

Case # XXXX Case # XXXX Case # XXXX Case # XXXX Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are several accounts that have been open/closed repeatedly on my report from XXXX XXXX, there has never been a lapse in account that I have had with them. 

There is a XXXX account that has been opened up fraudulently in my name. I have sent in a dispute through XXXX XXXX and they have refused to acknowledge the frauds behind it. Below are the dates for the accounts mentioned above. 

XXXX Department Store : XX/XX/XXXX This account above was the one that was opened fraudulently. 




XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The account above is still open but it has been placed on my credit report three times.

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 2017-09-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm anxious and feel afraid that I notice several fraudulent accounts on my credit report. I attached supporting documents to get remove these accounts on my credit report. I don't have knowledge nor consent regards to 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 2019-05-08
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A man by the name of XXXX XXXX with a company named Oracle from phone number XXXX calls my cell and several numbers at my work leaving messages that he is trying to reach me regarding a legal matter which is causing my supervisor to be concerned. I returned his call and told him I can not receive calls at my work, that the account he is calling me about is not mine and for him to please stop calling me. He continues to call and leave messages. I can lose my job if this continues.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had someone working with me to help pay off the outstanding mortgage and company will not respond at all. We have submitted documents to get a reduced mortgage. My mortgage was sold to Faye servicing from XXXX XXXX XXXX and it seems as if they are delaying the process. I think Faye Servicing is being very elusive. 


All of this happened during the month of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: SinglePoint GI
State: IA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I received correspondence in the mail from GENERAL REVENUE CORPORATION that violates several of my federal rights. On XX/XX/XXXX I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachments labeled as Exhibit A and Exhibit B that GENERAL REVENUE CORPORATION is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On Thursday, XX/XX/XXXX, Citibank told me that they re-ran my XXXXedit score from the initial applicaiton in addition to my wife 's credit score and my wife 's credit score had decreased 15 points from a XXXX to a XXXX. As a result, we would have to pay additional points totalling. We were never told that our credit score would be re-ran nor we were never made aware of our credit scores initially, so we did not know that a XXXX was the threshold to receive the fewest points possible on our mortgage. We were just told that we had excellent credit. I escalated this with upper management who told me that nothing could be done. We're closing on Tuesday, XX/XX/XXXX, so I was not even given ample notice to potentially seek out other lenders. The total is points amounted to an additional {$2200.00} in cost. In terms of my wife 's credit, we have not done anything that could've directly impacted it outside of some charges for the new 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 2020-04-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ARS ACCOUNT RESOLUTION is reporting an account # XXXX on my credit report which does not belong to me & has been calling me & threatening to pay them a debt which does not belong to me & must me deleted from my 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 2019-07-31
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I recently opened a credit card account with Barclay bank of Delaware. At the time of opening the account offered 15 months interest free. I made use of such offer by transferring some high interest loans. This is where the problem begins, after initiating a transfer from one of Barclay subsidiaries ( Barclay personal loan ) in the sum of $ XXXX.The transfer was initially cancelled since it was not visible online for several days. In such case, I satisfied the due account with alternative means. The eventual out come was an account that was over paid in the sum of {$4900.00}. Apparently an issue that should be easy to resolved given the nature of the problem and the available proof.However, so far that has proven difficult based on the way that Barclay bank has been handling the problem.In any case, even after having contacted them over the phone the issue continues to be unresolved. In the mean time my account has accrued fees and the personal loan continues to be over paid in the sum of {$4900.00}

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 2022-02-11
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a paper in the mail. I do not owe XXXX XXXX XXXX XXXX nothing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: IN
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 noticed there are some inaccurate/fraudulent items on my credit report in XXXX of 2021. I disputed these items with the three major credit bureaus : Equifax, XX/XX/XXXX and XX/XX/XXXX. I have yet to receive a response. My consumer rights are being violated pursuant to the Fair Credit Reporting Act. I am requesting that these items be removed immediately. 



1. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 2. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 3. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXXXX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 4. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXXAccount Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 5. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 6. Validate Inaccurate/Reported Late Payments XX/XX/XXXXAccount Number :XX/XX/XXXXPlease remove inaccurate reported late payments. Update to payed as agreed 7. FDCPA Section 807 Violation Misleading False Reporting XX/XX/XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 8. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 9. FDCPA Section 807 Violation Misleading False ReportingXX/XX/XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had received a Social Security alert through the credit alert notification on XX/XX/2019 from XXXX XXXX associated with XXXX  XXXX on an address that I have never lived at nor heard of before pop up on my credit report as an associated address of mine.

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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft and someone got an auto loan in my name. It just came up during the COVID Pandemic

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 2022-08-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been telling XXXX that people are running my credit without being authorized. They do nothing to stop it send me generic response.

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 2020-11-24
Company: CashMax LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I spoken with this company and their deceptive practice of giving the incorrect information saying I owe a different amount. I have to continuously correct them. I have spoken to countless reps and managers who keep providing misleading information and making misleading statements.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2021-03-10
Company: T.S. Holdings
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting harassing phone calls at work and home after asking them to stop the calls. They have threatened me, my job, impersonated attorneys, judges and law enforcement officers. They are rude and never even identify themselves as debt collectors. I want the harassment to stop immediately. I told them to leave me alone and remove it from my credit report since the information is not accurate. They laughed and told me to go " XXXX my mother in the XXXX with no XXXX. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTN Fraud Department : Remove fraudulent accounts 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 2019-07-31
Company: Early Warning Services, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in XX/XX/2016, I deposited a check into my XXXX XXXX XXXX account that returned as being counterfeit. At the time, I had signed up for a secret shopping job assignment. The check was mailed to me to use for the purchases I would be making. I didnt know the check was counterfeit if so I would have never deposited into my account. I have attached the email correspondence from the person I was working with regarding the assignment. I am writing XXXX XXXX XXXXXXXX to request that the negative reporting be removed from EWS ( Early Warning System ) and XXXX. I've spoken to several different departments within XXXX XXXX XXXX. I was referred to send a letter with the email proof showing this wasnt intentional to have it removed. I am in the process of trying to get a mortgage through a bank, and this issue is preventing me from doing so. I would greatly appreciate it if you would please remove the adverse reports from both EWS and XXXX.

Company response to consumer: Closed with explanation