BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XXXX I received a letter in the ail about a bankruptcy, but I didnt pay much attention to it because my names were misspelled and I knew I had never filed for a bankruptcy so i just left it alone. In XXXX I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XXXX and I was denied once again, I was not understanding why so I finally ask the salesman to show me my report and I wish I would of done this a long time ago. I was furious to kn ow I had accounts opened under my name that i never opened and even more shocked when i saw the bankruptcies. I have never filed for bankruptcy in my life. The things I am reporting from my credit do not belong to me. Please remove these things fro my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2019-02-14
Company: EQUIFAX, 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:
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. I am doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. I am doing this on my own behalf.

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 2021-02-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent money via the MoneyGram app to another country and i got a confirmation email stating that the money was sent. But 1hour later i got an email saying it was canceled but its already 3 days and my refund is still not available!!! They took the money out real quick but they couldnt give it back quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Disputed online with both Transunion and XXXX. They would not provide me with verification or validation on XXXX and XXXX XXXX Negative accounts on my report. They simply put a statement on my report that says verified. I redispute and still no resolve.

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 2019-02-14
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2019. The account was closed by bank. I'm just trying to get my money. Amount owed is {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have contacted Experian, XXXX and XXXX  to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/XXXX, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX   said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX XXXX, they even have XXXX an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/XXXX, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.

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 2017-12-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX ( XXXX ) XXXX and Bayview Loan Servicing is the mortgage loan servicer on my mortgage loan ( Loan # XXXX ). 

It 's been a couple of months that this company keep sending me letters about the home insurance certificate for my residence. I have asked my insurance company to send them ( email address is XXXX ) a copy of my home insurance certificate. A copy of that certificate has been sent to Bayview on multiple occasions ( On XX/XX/XXXX and again on XX/XX/XXXX ). 

However, I received another letter dated XX/XX/XXXX from this company claiming that they have illegally purchase insurance on my  behalf and they threaten to deduct the exuberance cost of this illegal policy from my escrow account. 

I would like to report this illegal and fraudulent activity by this incompetent mortgage servicing company so proper actions can be taken against them. 

It appears that this company is not managed properly and their harassing activities combined with their incompetence has caused agony and hardship for my family and I. 

Please process this complaint and provide the results as soon as possible. 


Thanks, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I have had problems with experian since I did their free trial and then one of my credit cards gave me a free account with them.they dropped my score and told me to fix it I needed to pay the XXXX dollars a month.XX/XX/XXXXI got email.says that my score was ready went into to check, it said that I had a credit increase of XXXX points and went from good to very good, then 30 seconds later says I dropped XXXX points, so I went up XXXX  and dropped XXXX all in the same hour, I have excellent credit, a very Stellar payment history excellent I am very responsible with all of my credit cards make multiple payments per month and never carry a balance my XXXX and XXXX  is XXXX I do realize that they're not to be the same as the other ones but I have never seen a score go up and then go down all in the same hour of the same day

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 2021-09-02
Company: Ark-La-Tex Financial Services, LLC
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
THIS COMPLAINT IS AGAINST ; Benchmark Mortgage, aka ; ARK-LA-TEX Financial Services , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ID XXXX and ARK-LA-TEX Financial Services , LLC, XXXX XXXX Benchmark Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Complaint covers excess charges that occurred at the closing of the original XX/XX/XXXX VA mortgage loan and the XX/XX/XXXX VA refinancing loan. See closing statements below. 
Original VA mortgage loan. 
1. Charged VA loan funding fees even though they were given documentation of my VA XXXX. 
2. The original XX/XX/XXXX VA guaranteed loan included charges of {$2700.00} for Mortgage Protection Insurance ( MPI ). 
Refinancing XX/XX/XXXX VA refinancing loan. 
1. VA loan included funding fees even though they had documentation of my VA XXXX. 
2. The XX/XX/XXXX refinancing VA loan included charges of {$10000.00} for Mortgage Protection Insurance ( MPI ). 
3. Loan origination charges of {$2400.00} ( 0.85 % ) for XX/XX/XXXX refinance VA loan of an existing Benchmark mortgage. 
3. On XX/XX/XXXX Benchmark notified me of an escrow shortage of {$950.00} and increased the escrow withholding by {$93.00} per month. When questioned they would only state that the reason was because of the change to XXXX XXXX homeowners insurance higher premiums XX/XX/XXXX. Actual change in homeowners insurance premiums starting on XX/XX/XXXX was increased {$8.00} per month. Benchmark refused to discuss this issue any further than stated. 
4. In addition to # 3 above I was charged {$20.00} for 3 days of non-coverage in XX/XX/XXXX when we switched from XXXX insurance to XXXX XXXX XXXX. Benchmark insisted coverage ended on XX/XX/XXXX ( the day XXXX when the actual date the XXXX policy coverage ended was XX/XX/XXXX, the date the XXXX XXXX policy started. 
5. The XX/XX/XXXX refinancing VA loan included a closing fee of {$130.00} for Benchmark, aka ; ARK-LA-TEX Financial Services , LLC , even though they didnt attend the closing. 
6. The XX/XX/XXXX refinancing VA loan included charges for title fees to XXXX XXXX XXXX instead of the original title company ( XXXX XXXX ) who already had the title documents from the original loan, 6 months earlier. 
7. Benchmark charged a total of {$16000.00} for loan refinance on XX/XX/XXXX for closing costs vs XXXX XXXX  refinance on XX/XX/XXXX for the total closing costs were {$950.00}, {$15000.00} less for the refinancing of my VA guaranteed mortgage loan for a lower interest rate through XXXX XXXX. 
I became aware of these over charges during the process of obtaining a lower interest rate refinancing with XXXX XXXX  ( item 7 above ). I have requested that they be disciplined for their abuses of the veterans that trusting them with providing VA guarantee home loans. 
Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Halsted Financial Services, LLC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company Halsted Financial Services calls me multiple times a day from multiple numbers. Sometimes 4 to 6 times a day. I have told them repeatedly to stop calling me because I am paying the debt because the company takes my state taxes every year. They become argumentative and still call me. I have threatened them with legal action multiple times and still call me. They call back to back from different Georgia area code numbers multiple times throughout the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
ALL 3 CRA 's have not updated my balances for my XXXX   account in months my balance is {$0.00} 's yet XXXX   EQUIFAX AND XXXX are still showing a balance of {$620.00}. XXXX  has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET EQUIFAX KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Netspend Corporation
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Employed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I was automatically given a NetSpend paycard in leu of a paycheck. Netspend company automatically canceled my card without my permission and sent a new card via postal service. I tried to active my card online and the website reroutes me to a login page to login before I active my new card. BUT the log in page on Netspend 's website will never load on any device or even different web browsers... So I have no way of activating the new card to access my wages ... Before this occurred I tried to make a payment on one of my credit cards balances using my last card but again Netspend deactivated my card WITHOUT my legal authorization. So now I have a rejected payment and no way to access my wages. The company is clearly engaging in behavior that prevents access to a consumer 's balance. Additionally, the terms and conditions state if a customer does not claim their funds the company closes the account... AND NEVER GIVES THE CONSUMER BACK THEIR BALANCE. The behavior is fraudulent and predatory. 

I see that the FTC sued NETspend in 2018 for the exact reasons THAT ARE STILL OCCURING. 
If I can not collect my wages, how many other employees are still victims of the continued fraudulant behavior that this company never stopped... they are still getting away with stealing wages of the lower economic class.

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 2021-03-29
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of XXXX. As soon as the pandemic started in late 2019, I was XXXX  and was unable to work. I have a total of 2 missed payments from XXXX and XXXX of 2019. I have sent multiple goodwill letters asking for forgiveness as I am a victim who suffered from this pandemic. The company nor the credit bureaus have taken any action. I have made consistent on-time payments before and after the late payments occurred. I would like them to be removed because I am a victim 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
Consumer complaint received 2021-02-08
Company: Self Financial Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XX/XX/2020 is the start of the problem. I have tied to call and talk to someone I wasnt able too it said it had to be online chat and it hung up on me. I messaged thier Customer Service agents after that quite a few times and they never got back to me. One agent started a conversation and told me she would be able to help me and then never responded back to me. I have reported them over and over on my credit report after I have tried more then 5 times to close my account which they never did. It's a secured credit account in which is all my money in the account and they closed my account saying they need more information to verify my identity which I sent them multiple times my information which is very concerning giving them final personal information to begin with. Now my credit is poor after I have been trying so hard to get my credit up to XXXX now it's XXXX because of Self XXXX XXXXr ruined it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
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: Their investigation did not fix an error on your report

Complaint:
Im going to make this as simple and clear possible. 

XXXX XXXX XXXX  acc  # XXXX -I had an account account 3 years ago that was closed after car was totaled. 

-last payment was made 3 years ago -the payment history is inconsistent with other reports and KEEPS CHANGING randomly even up to now -How can an account closed 3 years ago with last payment 3 years ago keep having changes to payment when XXXX XXXX says they send the same exact data every time?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, account numberXXXX is fraudulently and inaccurately being reported on my EXPERIAN AND XXXX credit files. 
Here is my history of the card to the best of my recollection : I originally received the card with a {$300.00} limit.I used the card twice for about {$50.00} each time and I paid on time.About one or two months later there was a charge for XXXX XXXX or something like that in the amount of {$120.00}, charged in XXXX XXXX, somewhere I didn't go.The card had been '' skimmed. '' I cancelled the card and paid a {$100.00} " cancellation fee. '' I got a new card in XX/XX/2014 which I used and paid.When I got the bill, what was on it was not my charges.I called and cancelled in XX/XX/2014.

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 2019-02-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is regarding City Bank. Citi Bank is reporting inaccurate and false information to the credit Bureaus. Citi Bank is reporting XX/XX/2018 delinquent to the credit bureaus. I contacted the Bank and spoke to a representative he went over the payment history with me I told him about the {$270.00} was debited from my bank account for the month of XX/XX/XXXX. The representative from Citi bank told me to send in my bank statement and a copy of my credit report and Citi bank will update this delinquency on my account. After sending the Bank what ever they wanted and proving them I made my payment on time they they didn't want anything to do with that information anymore. They didn't change their reporting even after the fact I've sent my Bank ststement.

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 2021-04-08
Company: Convergent Resources, Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I have good credit, and no outstanding debts from any source that I'm currently aware of. 

I'm aware of Convergent Outsourcing Solutions, and their debt collection agency, so when they called ME and asked me to verify MY information, without any hint as to why - I grew very suspicious. I asked for their phone number ( XXXX ) and her Supervisor XXXX XXXX XXXX XXXX. I asked what the nature of the call was about and she said it was about " private business matters '' and became pushy. I told her I wasn't interested in confirming identity unless I knew the nature of her business, to which she rambled for a moment claiming legitimacy of her company. She still would not answer my questions about the nature of the call. 

I hung up, and told them not to call back.

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 2018-04-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
ALL 3 CRA 's have not updated my balances for my XXXX   account in months my balance is {$0.00} 's yet XXXX   XXXX  AND EXPERIAN are still showing a balance of {$620.00}. XXXX has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET XXXX KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief