BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I attempted to login my account at TransUnion to access my report and was met with a message that denied me access to my report and forced me to pay for my internal reporting score. My score has been up XXXX points down XXXX points and back up XXXX points in 3 days at TransUnion. This has to be retaliation for the CFPB complaints I have under investigation that still haven't been resolved. This rollercoaster and fluctuation of my score is causing me to not be able to extend my credit. My score decreased XXXX points because of an account that posted XXXX positive credit card limit with no adverse remarks which lowered my debt-to-income ratio and the remark codes, " Dispute resolved ; reported by grantor '' and " the following remark was removed from this account : Account information disputed by consumer, meets FCRA requirements '' added to my account by TransUnion. I AM STILL DISPUTING THE VALIDITY OF THE ACCOUNT AND THE DISPUTE IS NOT RESOLVED. THESE COMMENTS ARE FALSE AND MISLEADING.

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 2023-09-26
Company: RFNA, LP
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX a payment of {$400.00} was made to Republic Finance that didn't get processed. The error was caught in XX/XX/XXXX by the company but wasn't corrected or noted as promised. That action created a late payment reported on my credit file that I was made aware of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my XXXX  time not receiving an update about my investigation. I have been wasting my hard money on stamps, not response via mail or email and i am really disappointed about this happened yje account on. I am authorizing this complaint with proof of the disputes i sent out. Now please I attached my ID and utility bill to show who i am XXXX FDCPA Ive filed a civil suit against this XXXX XXXX and XXXX XXXX for this XXXX XXXX account that appear on my credit report. This is deceptive practices Account XXXX : XXXX As a consumer by law this account must be deleted immeidately

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 2019-07-28
Company: Experian Information Solutions Inc.
State: LA
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 sent multiple request that accounts on my credit report be verified because these accounts were never opened by myself and aren't mine. Also, Experian has several late payments posted which caused my score to drop 135 points and I have 100 % on time payment history and no accounts in bad standing. I HATE EXPERIAN!!! Under the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have repeatedly requested these documents on numerous occasions and were either ignored or sent a report that simply said " verified '' which does not suffice for verifiable proof through the XXXX system.

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 2017-10-06
Company: Resurgent Capital Services L.P.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Alleged company use scare tactics to threaten me to pay. I ask for debt validation numerous times yet no validation proven debt is mine. They violate my rights. Company not legit at all as do n't know what their REAL address. This company real fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: CITIBANK, N.A.
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:
Received a letter from Citi congratulating me on my new Citi Rewards card. I never applied or even intended to do so. I have zero accounts with Citi, so I was confused by the letter. Called them right-away and asked for the account to be closed. I'm still waiting for the affidavit I was supposed to received via email. I now have a hard inquire on my credit report from Cbna from XXXX XXXX, 2019, which does not belong to me, and they can't do anything about it.

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 2019-12-04
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my house XX/XX/2019. I have been calling my mortgage servicing company Roundpoint ... for 3 WEEKS asking about my escrow account. I have requested they stop payment on the check ... .they say they mailed ... .so they can't issue a new one. They kept telling me we can't do that until XXXX XXXX ... ..now today they are telling me that they can't do anything for another 2 - 3 weeks. This is stupid ... ..they were given the new address to mail this to on XXXX XXXX ... and I requested then that they cancel the check they had cut ... .because they weren't going to mail it until the XXXX ... .they said they couldn't and just the forwarding process clear it up. I requested again that they just cut a new check with the new address and stop payment on the old one even if it would take an extra week to do it. They said couldn't do it. Today I requested PROOF that they even mailed the check. They said they didn't have proof it was mailed on XX/XX/XXXX ... how do I even know they mailed it??? So banks have all the power in the world to XXXX people over by just saying they mailed something but with no proof? Do I have the same rights to tell a mortgage company I mailed a check and they wouldn't be able to do anything to me or my credit? THIS IS PLAIN STUPID THAT THEY CAN KEEP PUTTING ME OFF AND NOT PAY ME. Today is XX/XX/XXXX I have waited the time they requested ... they should cut me a new check and overnight it to me. I doubt they ever sent the first one ... .even the post office is not this bad.

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 2022-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made 5 separate purchases on my debit card from XXXX  over a year ago on our business atm card. Its been over a year and {$950.00} in purchases and the merchant never shipped the items or has responded. I contacted Wells Fargo to get my money back and XXXX with no success. They claim its over 120 days and they have no say. I want my {$940.00} 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 2021-09-13
Company: SinglePoint GI
State: PA
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:
Provided this company with a permissible request and cease & desist.

However this company is still reporting to all consumer agencies which is a medium of indirect communication. This company does not have validation of this allege Debt according to 15 U.S. Code 1692g - Validation of debts all collection activities is to be ceased until validation is proven!

15 U.S. Code 1692g - Validation of debts, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: MI
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:
I have tried to get my Equifax credit report from XXXX but I keep getting the error " Online Delivery Unavailable : We are not able to deliver your free Equifax Annual Credit Report online. '' and they request sensitive documents be mailed to them. I have tried on multiple different days and from different browsers and computers, to no avail. I have verified all info is correct. Other bureaus work fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I accidentally overpaid one of my Student Loans by {$11000.00}. Now I am seeing a negative loan balance in my account for the 1-01 Direct Loan - Unsubsidized due to overpayment. I had intended to use this {$11000.00} to pay off my second loan, the 1-02 Direct Loan - Unsubsidized on XX/XX/XXXX. In other words, I paid {$25000.00} towards 1-01 Direct Loan - Unsubsidized when I only had {$14000.00} in debt from this loan. I am owed a refund of {$11000.00} due to this overpayment of my 1-01 Direct Loan - Unsubsidized, and would like to put the refunded money towards my second loan 1-02 Direct Loan - Unsubsidized. I attempted emailing EdFinancial on XX/XX/XXXX, and have called requesting callback on XX/XX/XXXX and XX/XX/XXXX, yet have still not heard back. With all 3 attempts, I was told I would receive a response that never came. The loan repayments are scheduled to begin XX/XX/XXXX, and I would like to have these funds to be able to pay off my loans before that date, to avoid interest accrual. EdFinancial is inundated with customer calls and messages, and is not responding to my request for refund of {$11000.00} overpayment. My EdFinancial account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Early Warning Services, LLC
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/1978 XXXX XXXX XXXX XXXX, Alabama XXXX Early Warning XXXX XXXX XXXX XXXX XXXX, Az XXXX ( XXXX ) XXXX Dear Early Warning Services, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an Early Warnings report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 

Please verify the following account or remove it immediately. 

Account Closed by XXXX XXXX  XXXX XXXX Account # XXXX Closed for Cause- Purged Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: OK
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:
I sent a letter off to all 3 credit bureau XX/XX/2022. 

Here is my tracking numbers # XXXX # XXXX # XXXX. 

To remove personal information that I dont not want on my credit report. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

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 2019-12-04
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I obtained Paypal Credit for the sole purpose of purchasing a relatively expensive event ticket. When I went to complete the purchase, I chose Paypal Credit as my method of payment. The amount of credit Paypal extended to me did not cover the entire transaction. My assumption was it would use all the credit extended to me, and then apply the remaining balance to my bank account. When I spoke to Paypal about the erroneous transaction, they explained i should have been given a chance to review the transaction, and which funds would be used before proceeding forward. I was not given that opportunity. Instead, Paypal used none of the Paypal credit, which again, i chose as the means to pay the transaction, and used my debit card ( i.e. my bank account ) for the entire transaction, moving my checking account balance to a negative {$300.00}, and incurring overdraft charges. When I asked if they would please reverse the transaction, and apply it correctly, they repeatedly refused until I gave up. I am happy to pay for the event, but I wanted to do it in interest-free installments over a 6-month period. Instead, I got a negative checking account balance, and overdraft charges. If I wasn't given the opportunity to review the transaction details, they should not be allowed to arbitrarily remove money from my checking account and then state " sorry, we can't, and won't fix this ''???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: NC
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 over 60 inquiries on my credit report. The only one that is valid is XXXX XXXX. 
The other ones are fraud. I have an fraud alert on my file as well. 
I have contacted the equifax over the phone and in writing. 
They refuse to cooperate with me telling me although they are fraud inquiries they ca n't delete them and, I know this to be false. 
The inquiries are affecting me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CL Holdings LLC
State: MI
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:
XXXX has violated my Federally protected rights under the FCRA. I contacted XXXX today letting them know the account Jefferson Capital should have been removed after speaking with a supervisor he said the request was sent in XX/XX/XXXX according to Jefferson Capital but XXXX said they submitted paperwork saying it mine which is inaccurate. XXXX credit reporting has been very inaccurate as well as my score, my points dropped XXXX points after having a collection removed.. My consumer report needs to be evaluated as my score is definitely inaccurate. Failure to comply will result in a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that XXXX XXXX remove this from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
Equifax has locked my credit profile and has prohibited my ability to obtain credit. 

I have called the number on their website to talk with a live agent. 

I have also mailed and Faxed a request to unlock my profile so that XXXX party reporting agencies ( XXXX, XXXX XXXX, etc ) can obtain data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX made {$14000.00} check deposit at WF ATM. The ATM recorded amount as {$1400.00} instead of {$14000.00} but I didnt see therrror and approved incorrect amount. I went into the bank and explained the mistake. They told me to report it over phone to department managing ATMs. Which I did at that time. 

XX/XX/XXXX Received email stating {$1400.00} was credited BUT {$12000.00} would be divided & credited {$5300.00} on XX/XX/XXXX and balance {$8400.00} ( incorrect amount! Correct balance {$7300.00} ) on XX/XX/XXXX. 

XX/XX/XXXX acct credited {$5300.00} XX/XX/XXXX - XXXX acct credited {$7300.00} XXXX is XXXX has altered my acct to show the full {$12000.00} was credited to me on XX/XX/XXXX. That is NOT TRUE. Both me and my husband check our checking balance daily and the {$14000.00} was to pay cc off. I had to wait until XXXX to pay them b/c the money was being withheld by WF. I know the $ XXXX was deducted from bank check came from b/c it is my XXXX acct XXXX Therefore WF had my {$12000.00} and held funds until XXXX and XXXX- they used got interest in my money for those days while I had to wait to have my money. BUT THEN THEY WENT INTO MY ACCT STATEMENT TO REFLECT ONE TIME CREDIT OF {$1400.00} and {$12000.00} ON YHE DAY OF MY IRIGINAL DEPOSIT. That did not happen. That is fraud on their part. I have tried to get some sort of response from them all I got was a banker at XXXX XXXX TX branch told me they can do that. No they cant. They cant use my money while keeping it from me and then turn around and make it look like they didnt,

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 2018-02-20
Company: Navient Solutions, LLC.
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:
In XX/XX/XXXX, my private student loans, previously serviced by XXXX were charged off. I have been paying under a payment plan, in which I pay them {$250.00} a month at a reduced interest rate. I had my credit report pulled on XX/XX/XXXX and was advised by the loan officer that Navient has not reported any updates on my credit reports, XXXX, XXXX  and XXXX since XX/XX/XXXX. I have attempted to previously resolve this with the Company and it has not been corrected. I call again today on XX/XX/XXXX and kept getting routed to the Collection Agency they routed my loans to for handling, who could not assist me with the CBR issue. I was provided a phone number that did not work and continued to be re-routed to the collection agency each time I called. 

In addition, the collection agency advised that Navient only reports on a quarterly basis and they would not report monthly as the account is past due but being paid under a payment plan. The agent this offered me a settlement for one account at a time, which would require a 50 % down payment of the settlement amount, which is not feasible.

Company response to consumer: Closed with explanation