BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by XXXX/XXXX and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.

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 2020-06-04
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea what this debt is about. The spelling of my last name is incorrect and the address listed is not mine. I have never lived at this address and my name should not be associated with it. I can provide proof of name and residency if needed. 
I am disputing this debt and have tried to do so, but the company is unwilling to do anything other than collect money. 
I looked up XXXX XXXX, which seems to be part of XXXX. I have a XXXX  account, at my address that is in current status and the correct spelling of my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2021-04-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021 I contacted our mortgage servicer to request a loan modification as we are ending our forbearance after XXXX XXXX. I am still working with reduced hours. They are telling me that I can not be considered for a loan modification until we first choose the HUD partial claim. Then once we agree to the partial claim, we can then decide if we want to apply for the loan modification.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, this account is not mine. The address reported in my file is not my legal address. 
XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
your agency gives teh telephone number XXXX to call to get a free credit report. when i called tonight wednesday night about XXXX to XXXX XXXX i got a robot that said i could get a free credit report if i replied to their questions. so i spelled out my name, address, telephone number, and all those questions. then we got to my birth date.i am a senior citizens. they said put it in 2 digits for month, 2 digits for day and 4 digits for year. i put all those in and it would not accept my birth year XXXX. this is discrimination against senior citizens. i am asking this federal agency to immediuately get after this company for discriminating against senior citizens. i would like all 3 report from all 3 companies but look at the XXXX they put you through. i lost getting this report tonight because they have not programmed their robot correctly. will you help me please. i am so distraught over this. i want my free credit reports from all 3 companies, but this one i started with is discriminating against me becasuse of my age.

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 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 signed an original contract with XXXX  ( XXXX XXXX XXXX XXXX XXXX ) which obviously sold my information to this other company that I never had no original contract with which was XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to H.J.R 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.

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 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I initiated an outgoing domestic wire for a flight to an American company called XXXX XXXX at XXXX XXXX  for {$43000.00}. The vendor did not receive the payment and Bank of America did not reach out to either the vendor or me to notify of an issue. After a few days, I asked BofA about the issue and they stated there was a compliance issue as a result of the wire memo and asked what XXXX in the memo line meant. I explained XXXX is an airport code in XXXX, Ohio. BofA XXXX department stated the information would be provided to the person who flagged the transaction and we would have a resolution within 5-7 business days at the latest. Since then I have received no update though I have inquired several times. After nearly a month, the funds have not been deposited with the vendor and have not been returned to my company with no timeline for when the process will be resolved.

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 monetary relief
Consumer complaint received 2021-04-11
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied for a mortgage refinance with Cardinal Financial in late XXXX, XXXX. Our loan is a cash out refinance with a XXXX of approximate 59 %. There have been significant delays in the process on Cardinal 's side and multiple occasions during underwriting where there were week that we did not hear from them before additional documentation was requested. Additionally, I don't feel they have been honest, including saying that we can not decrease the amount of the loan ( because of the delay the cash out has increased significantly higher than our original request ). Now, after over 4 months, Cardinal has advised that charges and rates have increased due to a disputed credit bureau report showing a XXXX late account for {$50.00}. I have documentation showing that the account was paid, but have been told that it can not be addressed because 'credit bureau disputes take months to resolve '. We are now out {$500.00} for a no long valid appraisal, with fees and rates that are higher than agreed to - all due to Cardinal 's delays and misstatements. We have asked multiple times that the delays and issues are escalated with contact from no one other than the loan officer and transaction coordinator.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Cascade Capital, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a debt validation to the creditor XXXX XXXX XXXX to validate the debt they are saying I owe. After 30 days I contacted the creditor and they informed me that my debt was sold to another company called Cascade Capital LLC. I contacted this company via telephone to ask them there license and bonding number to be able to collect a debt in my state. The representative did not know what I was talking about and put me on hold and hung up the phone after being on hold for over 10mins. This company is not license and bonded and by law are not able to collect a debt in my state. I am asking you to permanently remove this information from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: ID Analytics, Inc.
State: GA
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 have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated 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 2021-04-11
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I was living as a student in MD and wanted to set up internet service with XXXX. They kept getting my address wrong and were not able to set up service in that exact area but multiple accounts were opened under my name to correct their mistake. After dealing with them not getting the internet service set up in a timely manner, I asked all accounts be closed under my name. I was assured that was the case. 

XX/XX/XXXX, I received a bill in my name on my current address in PA that I owed {$88.00} and another {$1200.00}. I called XXXX and she removed {$88.00} charge and closed the account. She said I'd have to call back regarding that {$1200.00} charge because she could not see it on her end of the system. 

I call back multiple times in XX/XX/XXXX and XX/XX/XXXX and they have had difficulty looking up my account because the account is closed. It took several agents and being bounced from one department to another until I landed a representative who was able to look up the information. She told me I did not owe this amount because I received no services. She assured me she removed all charges and I would not have to make a call again. 

I received a letter from a Sequium XXXX XXXXr agency this XX/XX/XXXX that I owe {$1200.00}. This is grounds for harassments against XXXX and XXXX XXXX XXXX  for billing me charges I received no services of and potentially reporting it to credit bureau agencies to harm me financially and emotionally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason, and can not help me to get it back to normal. I was informed the account will be limited permanently, and the balance will be on hold for XXXX. I will be able to withdraw the money to my bank account then. However, when I logged in my account one day, I was shocked because the money on my paypal account was taken by paypal without a notification and there is XXXX balance. That is definitely illegal and not fair. Because of the virus, I can not reach paypal agent, but I tried to reach them one day, and they can not tell me what happened and why the money was taken. I fell they can not do their job properly and it has effected by life seriously. My paypal email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: SYNCHRONY FINANCIAL
State: PA
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:
After reviewing my consumer credit report, I noticed that credit inquires that I do not recognize, unauthorized and NOT mine. I must have been the victim in a cyber hack or identity theft. this non-account holding inquires with : Synchrony Financial shown on my report as ( SYNCB/AMAZON ) and with the date of XX/XX/XXXX on my XXXX consumer report, and also it is shown as ( SYNCB/XXXX ) with the date of XX/XX/XXXX. Synchrony Financial is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my TransUnion consumer reports without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with none of them for review or collection. They are NOT mine, i do not recognize and did not authorized. these inquiries are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

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 2021-04-11
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I went to the XXXX XXXX to address a medical problem. When I received a bill for XXXX dollars it was paid in full in XX/XX/XXXX. This bill was paid in full on. XXXX XXXX. Despite the paid in full bill I began receiving phone calls and collection letters from this company. I tried several times via phone calls to resolve this matter. I told them the date this account was paid. To no avail. Finally, I sent a return receipt letter to the company with a copy of the cashed check. I also told them not to contact me regarding this paid bill. The company received the letter and the copy of the canceled check on XX/XX/XXXX. XXXX XXXX continued to contact me. They also referred me to a collection agency. TSI. This is sloppy business practice. It is dangerous customer service. This company has ignored the evidence that this bill has been paid. 

Account number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The number of qualifying payments eligible for PSLF being reflected on my billing statements is incorrect. I have contacted the company several times by email and never receive a response, and I have also faxed them and mailed them all of the information proving that the qualifying payments are not accurate. The first fax they responded that my employment verification dates showed a start employment date that was prior to my employment end date which was just completely not true. I included the employment certification again, along with my credit report showing how many payments I have made on my student loans and every other piece of information I could find to prove the payments reflected are incorrect. I requested that a supervisor handle the request since my first attempt had been so blatantly blown off by somebody just trying to respond to the fax quickly without actually making sure their response was accurate. I have never received a response to the second fax and mailing or the many emails I have sent attempting to check on the status of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: Avant Credit Corporation
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XXXX i made 2 payments to Avant. The payment on XX/XX/XXXX has their reference number of XXXX for XXXX and the payment for XX/XX/XXXX has their reference number of XXXX. They are saying i missed a payment in XXXX. At the billing cycle ending XX/XX/XXXX my balance was XXXX. I made the XXXX payment on XX/XX/XXXX with my balance showing XXXX. 

I get a statement in XXXX saying i have a XXXX balance, The XXXX statement is saying there is a payment adjustment for XXXX so i have a new balance of XXXX. I called and they said they never got a payment for XXXX again but it clearly states i did with thier reference numbers and it was taken out of my bank. 

I emailed them for the situation and again they said they never received the payment. I refuse to pay when i have statements saying my balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX I had customers pay through my website using the PayPal option. This was the first time I had ever used a PayPal business account. PayPal immediately froze and suspended my business account. PayPal could not tell me why this happened after I asked for a review. PayPal banned me for life, and they are holding my money for 6 months. I did nothing wrong and they will not give me my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
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: Account information incorrect

Complaint:
Experian Report # XXXX XX/XX/18 Experian has on my credit report XXXX XXXX as a debt owed and should not be showing on my credit report. 

attached is a copy that was file to the consumer financial protection bureau and a letter from XXXX XXXX as to the debt has been requested for removal and should not be showing

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 2023-08-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car with Wells Fargo Dealer Services. It has been charged off and before the account was closed I received several refund checks due to payment posting issues and funds not due. But I still owe $ XXXX and continue to get refund checks. I have called several times to get this issue resolved but they say I still owe them money. I am not paying them anything else. This need to credited and they need to send me the title for the car.

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 2021-08-17
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter by the company XX/XX/2021 Stating I owe XXXX. 

This amount is owed by the people who were stalking me for many years. They will have to cough up the money. I do not owe this and will not pay it. I warned them all and have the reports to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: NH
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:
Hello, I received XXXX HARD INQUIRIES on my credit report that were NOT authorized by myself in writing,, nor did I provide any permissions to have my credit pulled on XXXX individual dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

I have NOT applied for aany products from 'XXXX XXXX ' thru " XXXX XXXX Bank XXXX XXXX Ive attached the snapshot from my credit report that articulates these fraudulent requests I need to have these removed from Equifax XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Commonwealth Financial Systems, Inc.
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Woke up to a collection on my credit report from Commonwealth for {$1200.00} on my XXXX. They never sent me any notification of this debt of what its for or allowing me the opportunity to dispute it. They broke the law and violated my consumer rights.

Company response to consumer: Closed with explanation