BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax commercial Information Solution has incorrect information for my company ( XXXX. ). I spoke and informed a representative from Equifax on XXXX XXXX and told him of the errors on my business report and he asked me to submit a dispute. 
I submitted the disputes ( 4 ) on XXXX XXXX, however, I have not heard anything back from Equifax. I called and email them several times with no response. This erroneous information has caused me to lose a loan that I was approved for. Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Windham Equity Company
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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX XXXX Open date XXXX XXXX Lease Rental Open date XXXX XXXX XXXX XXXXXXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have never received any information on this account, nor the card itself. I reached out to XXXX to resolve the issue and they were not willing to help. I even went as far as to ask for a supervisor and the representative was rude and unwilling to compromise. He said there was no one else I could speak to and refused to give me his last name or ID number. He then, left me on hold for approximately XXXX minutes and hung up! I sent them a letter asking them to validate the account and they have failed to respond. I would like to resolve this matter immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$7.00} I wire money to a XXXX XXXX XXXX XXXX in Virginia i believe in XXXX from Bank of America the money it was to meet and greet a celebrity, the people was fake they make me believe they work for XXXX XXXX, and they were the manager of this particular celebrity. 
I don't know anyone 's name. only XXXX management. they took my DL and they used my identity to get a loan for {$22.00} that now I have to pay. 
Bank of America know where the money when and to whom, and i told them too many times that they were fake. I just got letter with no solution. So I guess I lost everything. 
the email XXXX management its false. After they took my money, they ask for more. 
but i didn't give them, at that moment i knew they were fake. 
Bank of America has not help me at all, anytime I had to be the one calling. 
So, I think the closed the case. Very bad customer service and bad communication with the customer. 
Can you help this is my second time opening a new case.

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 2023-01-09
Company: Continental Finance Company, LLC
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 have notified XXXX XXXX of a reopened XXXX XXXX  case. They are still reporting me delinquent -- Correct 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 2019-03-05
Company: Experian Information Solutions 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:
On XXXX 2018 As every liable consumer i have done my regular mortgage payment, The bank by mistake sent my mortgage payment to totally different institution confirming me wrongly that my payment was received and paid to my mortgage company, unfortunately it wasn't. After 30 days I did my next payment never had an idea my payments weren't went through. I've got reported by my mortgage company with late payments. Long story short I called to credit bureaus XXXX XXXX, and Experian. Both XXXX XXXX XXXX  were cleared my credit report history with no any extra headache but Experian won't clear. its been a year already still no luck with Experian. Please give me an advice how to solve this issue i have all the legal documents, Thank You

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 2019-03-05
Company: Ocwen Financial Corporation
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:
On XX/XX/2018 As every liable consumer i have done my regular mortgage payment, The bank by mistake sent my mortgage payment to totally different institution confirming me wrongly that my payment was received and paid to my mortgage company, unfortunately it wasn't. After 30 days I did my next payment never had an idea my payments weren't went through. I've got reported by my mortgage company with late payments. Long story short I called to credit bureaus XXXX   XXXX, and XXXX Both XXXX and XXXX were cleared my credit report history with no any extra headache but XXXX won't clear. its been a year already still no luck with XXXX. Please give me an advice how to solve this issue i have all the legal documents, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been making timely monthly payments to XXXX XXXX for a credit debt owed XXXX XXXX. I asked each and every month to receive a monthly statement, to date I never have, just notices telling me to keep making my agree upon payments. I paid the same amount of {$300.00} on XX/XX/2020 through my bank again asking for a statement. I am now receiving notices from a company called Radius, stating I have not made the {$300.00} payment and stating I am late. Again, never receiving any statement at all. I was NEVER notified that XXXX  XXXX had turned this over to whoever Radius is, although I now paid Radius the {$300.00} timely payment on XX/XX/2020.

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 2019-03-05
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am making a complaint about a debt that resurfaced from a new collection agency, after being cleared of this debt by the previous debt collector after being proved that the debt was not mine. This last resurfacing of this debt was on XX/XX/XXXX. This debt is supposedly originated on XX/XX/XXXX. 
It was taken off of my credit once before and is now back on again. This is NOT my debt. This debt is in the amount of {$680.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: National Credit Adjusters, LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They sent me a lengthy email stating I was going to be facing charges of defamation of character, theft by deception, Sent me an email with my drivers license number, social security number etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: TX
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 information was breached in the Equifax hack of XX/XX/XXXX. I first became aware of the problem near the beginning of XX/XX/XXXX. Equifax apparently had insufficient data protection safeguards in place and as a result my personal credit information along with approximately 143 million other Americans ' credit histories have been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX  a request for removal from my consumer report to the company involved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EQUIFAX Dropped my fios score 12 points saying i have closed my XXXX account, i never closed account they have already replaced the card, every time i try to file a dispute with equifax they state they can not find my file, this has happened several times.I want to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX XXXX is a company I trust. I used them to get a secured credit card. Now, I am cheated. One of the companies who advertises through XXXX XXXX { XXXX XXXX XXXX } was offering radically more money on a loan. { 2000 % more. } My credit has been improving as I have made this a real priority. I applied for the loan a month before moving, hoping to cover moving expenses including furniture. No where in the five pages of legal and apply { except for one sentence, one time } did they suggest I needed to own a vehicle to put at risk as collateral. 

They classic bait & switched me. One of the parts of the service XXXX XXXX gives is to show the highs and lows of the credit scores of other user who have been approved. They switched the loan over to secured and claimed I was approved. I am sure they are including me in the XXXX XXXX list of approvals. I do not anticipate getting any money from them. I demand inquiry into how many of the listed approvals statistics actually resulted in money being lent to the consumer who found XXXX XXXX XXXX through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
They say that my account would be close and my money was going to be sent to me but this still has my account suspended and under review is they dont send my money in XXXX week I whould been reported to the XXXX and going to sue then.I am tired of the game they bit playing with my money who they think they are not even theXXXX  play like with people.worst back ever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TFS FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Sirs, I have a HELOC account with ThirdFederal Savings & Loan. I have setup monthly payment thru signed documents for the regular and specific principle payments. This should satisfy the regular payment obligations with this loan account. 

Every time I make any additional payments online [ thru ThirdFederal site ], I choose the option for applying the additional payment amount towards PRINCIPLE ONLY [ Two options are there - Regular or Principle ]. However, every such additional payments are being processed in such a way that part of the amount is taken to Regular/Interest payment First and what is left is considered towards Principle. Contacted ThirdFederal on this and I was told that there is disclaimer at the online payment screen indicating this process and what they do is legal. 

Could you please help me with the following : 1. Is it legal to disregard Principle only payment instructions and use the money in a way consumer did not request for?

2. Who can help to get this process changed so that Principle only payments and Regular payment options are treated the way consumer is requesting. 

Thanks Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim ofidentity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation andapply their company policy to treat this as a dispute. In fact, when I called them, they stated that theirpolicy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block thereporting of any information in the file of a consumer that the consumer identifies as information thatresulted from alleged identity theft, not later than 4 business days after the date receipt by such agencyof- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) theidentification of such information by the consumer, and ( 4 ) a statement by the consumer that theinformation is not information relating to any transaction by the consumer. I submitted proof that mysocial security number, fingerprints, birthdate, addresses, and other identifying information wereaffected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all therequired documents per 15usc1681c and yet the CRA has failed to block this information and it has beenover 4 days. Again, this is NOT A DISPUTE. 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I cant remember exact dates unfortunately but I have tried to lower payments through income driven repayment w/ my private loans and for some reason I have been unsuccessful w/ Navient. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son received XXXX from XXXX XXXX XXXX XXXX. My health insurance did not cover the XXXX which left me underinsured. The XXXX program through the CDC pays for the XXXX of the under or uninsured which was my issue. I no longer have a bill because of that but this company has placed this debt on my credit report although I owe no bill to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, My name is XXXX XXXX. I am XXXX-year-old XXXX person. 
On XX/XX/2019 the XXXX XXXX  customers were transferred to the People 's United Bank. I had a free checking in the XXXX XXXX  and as an elderly person should have a free checking in the People 's United Bank too. On XX/XX/2019 I notices {$3.00} charge as service fee from my free checking. I wrote a message to the customer service of said bank and they said that every time when I use my debit card to pay bills online they will charge {$3.00} service fee for each transaction. Why should they charge any fees for debit card payments? Please see their answer to my email as following : Thank you for contacting us. In response to your inquiry, there is a {$3.00} fee for each Network Bill payment processed against your account. This appears in your account history as a NTWK BILL PYMT DB and was debited on XX/XX/2019 for {$38.00} from XXXX. 
Network Bill Payment is used by merchants when you have provided them with your XXXX card number for payments. 
You may wish to speak to the merchant directly in regard to how they process payments.

Although you are qualifying for free checking, ( this only waives the {$10.00} monthly maintenance fee on your Plus Checking account. It does not waive these types of fees. 
To avoid this fee, you may consider converting your account to an Advantage Plus Checking account. You would also avoid this fee if you make your payment via Peoples.com Online Banking. 
I am sorry, but because this fee is valid, I am unable to submit a refund. If you have any further questions, please let us know or contact us at XXXX. 
Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2017-09-18
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A few months ago, I submitted modification papers realizing that there is no guarantee to receive a modification and of course I was denied because I was told by representatives at XXXX XXXX XXXX that I am in a good place and I should remain with the deal that I have because they can not lower the interest rate any further. The funny part is that my XXXX XXXX XXXX dues have gone from {$700.00} to {$1500.00} a year, Water dues, electricity bill and my Sewage dues went from {$120.00} a quarter to {$270.00} a quarter all due to inflation. I am unable to pay my mortgage on time because I do not receive money until the end of the month. I wanted XXXX XXXX XXXX to change the due date from the beginning of the month to the end. Today, I spoke with a XXXX and she indicated that there are only two ways that she knew that the due date of the mortgage can change : 1.modification or  2.refinance. Clearly I was denied a modification and my credit is not good enough to refinance - what am I supposed to do? The company is unwilling to assist me any further and I am dumbfounded.

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 2021-05-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
After reviewing my credit report. I notice that Equifax is reporting a wrong address for me which is XXXX XXXX XXXX XXXX XXXX TX. I have no connection to this address or have lived here. My current address is XXXX XXXX XXXX XXXX  XXXX Florida XXXX which is currently reported as my former address.

Company response to consumer: Closed with explanation