BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: INDEPENDENT BANK CORP.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To whom it may concern, I authorized a zelle transaction through my mobile app with my bank, Rockland Trust. Turns out, it was a fraudulent merchant. I filled out the fraud papers for the bank, sent screen shots of several text message and call logs from the merchant and myself. Two weeks later and the bank will not refund my money. I understand I authorized the payment however, banks have protection for stuff like this with their customers and consumers. The transaction occurred on XXXX. I did not receive any correspondence from the bank, I had to call them for statuses. The amount of the claim is {$800.00}. I appreciate any help with this. I'm so disappointed in Rockland Trust as I have been a loyal customer for the past 25 years. I can reach out to any of my credit cards and state fraud happened and they refund the money in days with no questions asked. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Experian Information Solutions Inc.
State: OH
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:
There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX  XXXX. Remove both accounts from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my XXXX credit report and affecting my credit score.

1 ) XXXX suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked.

2 ) XXXX reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party.

b ) Comments 2 reports : " payment is payroll deductible ''.

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 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed and all files under my public records does not include the information and should be deleted from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Direct Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called to see what debt they was talking about and the creditor was rude and nasty saying I owe XXXX XXXX and I try to tell him I never had a XXXX XXXX card and I wanted to dispute this debt. He was rude and nasty and said well we will keep calling and hung up. The debt collector is direct recovery XXXX. They are calling my family members and I do not know how they got their numbers. They are also threatening me by leaving messages. I called back and another person answers but not addressing my issue because she on the phone with someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please correct my TransUnion Credit and all credit reports including XXXX and XXXX  to ONLY show address listed from the two required forms of documentation I have provided. These other addresses are incorrect and belong to someone else. Please advise ASAP! Thx! 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 2019-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Besides, the inaccurate information and inquiries about my accounts are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the personal information and inquiries that are still reporting on my account : Inquiries : XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX XXXX Date of inquiry XXXX/XXXX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 Incorrect Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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
Consumer complaint received 2017-07-27
Company: KAHRS LAW OFFICES, PA
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The complaint I have is about Kahrs Law Offices P.A. located in XXXX, Ks. They were handling the debt that my wife owed to a payday loan company. We were served by a sheriff and given paperwork for a court date but could pay the amount of XXXX before then and not go to court. I continuously tried to contact the office to pay off the debt and left all the information that they stated on their answering machine to have them call me back. No one ever answers the phone or bothers to call me back. The day of court my wife could not make it and still no one had called me back. Their office opened at XXXX XXXX so i tried as soon as they opened to contact them. It was at this time that a the woman who 's office it was finally answered the phone, i stated that it was my wife 's account and all I wanted to do was pay the debt of {$600.00} to pay it off. She then told me she could not talk to me, because i was not on the account. I told her my wife was at work and being that she works for a XXXX XXXX it would be hard for her to get time to call her to pay it or put me on the account, and that the time for us to be in court was at XXXX XXXX so i just wanted to pay it to insure that we did not accumulate any other fees. She again informed that she could not talk to me because i was not on the account. So after getting off the phone with her I tried to get ahold of my wife at work and to try and have her give the lady a call for fix it. By that time it was a little past XXXX XXXX when my wife finally got the chance to call her. My wife did not have a lot of time so she put me on the account so i could pay it. When i called back to pay the debt that lady informed me that since it was now after XXXX XXXX that we would now owe them XXXX XXXX dollars. So i paid the XXXX dollars while one the phone with them. After about a month we received paperwork saying my wife 's check would be garnished for the remainder. As check after check was garnished i immediately noticing that more than 400 dollars had been garnished. So I called back to Kahrs Law Offices to see what had happened. After yet again continuously calling getting nothing but answering machines, i finally got ahold of someone. I was then told by this lady that the amount that we owed after missing court was not XXXX XXXX dollars in fact it was XXXX. I asked her why the other lady told me it was XXXX XXXX and she was rude and said I could not tell you why the other lady told you that you only owed XXXX XXXX dollars.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Incorrect address reporting on my credit report. 

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

Complaint:
Credit freeze and thaw needs to be free. We didnt ask for these credit reporting companies to take our financial lives into their hands and it 's nothing less than extortion for them to charge money for it. 

TransUnion changed their website after the XXXX crisis to make it harder to freeze your account and easier to pay for their " premiere protection ''. The public will not stand for this any longer.

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 2021-09-15
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Solomon & Solomon about debt and issues they were nasty told me they passed the debt off in XXXX and just now closing it.in XXXX they advised me that it will come off in 45 days I told them both has dropped my credit score.they stated it has nothing to do with us.the lady was very rude and they refused to delete the information until they decided to and it wont come off my report until XXXX at the earliest.which is hurting my mortgage financing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
I contacted two representatives on two separate occasions in order to get this rectified at ALLY. The lease was PAID IN FULL back in XX/XX/2021 and the leasing company ALLY continue to report a balance and OPEN account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: SYNCHRONY FINANCIAL
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
SYNCB/PPC appeared on my credit report when checking online credit report via XXXX XXXX website. Upon further research this is paypal. While it is true that I have an paypal account I never signed up for the credit card portion of the site. 

It is listed as being opened on this date but ive never seen it appear until just today XX/XX/XXXX when checking my report. I check it monthly usually. 
XX/XX/XXXX ( 3 yrs, 10 mos )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Experian Information Solutions 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:
The name XXXX listed and reported on my credit report is not mine does not belong to me.

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 2022-01-20
Company: EQUIFAX, INC.
State: MS
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:
Spoke with XXXX XXXX from XXXX XXXX who verbalized over the phone though I requested in writing a copy of documents utilized for disputes for inaccuracies collection accounts, address inaccuracies, employment information, and prevention from accessing my electronic credit file. XXXX and stated that we are not going to give this information, we do not utilized any particular documents to validate debts reported, and that you can subpoena them if I wanted any information. The negligence and malicious management of XXXX as well as there abuse for management of my credit file has result in years of damage to my credit reputation. They continue to violate my consumer rights according to FCRA and do not properly investigate disputes or inaccuracies. 


After speaking with XXXX a dispute specialist with XXXX, she also failed to explain how my disputes for inaccuracies were properly investigated and how they were closed with minutes apart after submitting information that proves the inaccuracies should be deleted. I have submitted more than 3 disputes for collection accounts, address inaccuracies, other personal information, and employment information that is inaccurate. I also submitted a certified letter to correct these inaccuracies in XX/XX/2021 with a copy of my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Trojan Professional Services, 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: Investigation took more than 30 days

Complaint:
I have requested that XXXX, XXXX, AND XXXX investigate possible inaccurate and unverifiable accounts and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Stearns Lending, LLC Loan Number XXXX Close of Escrow was XX/XX/2015. 
Amount involve is {$370000.00}. 
Loan amount was paid by escrow XX/XX/2015. 

No Reconveyance Deed recorded as of today.

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 2021-09-15
Company: Nationwide Recovery Systems, Ltd
State: AZ
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:
In XXXX I went to the emergency room because my XXXX XXXX XXXX XXXX and I couldnt walk and was in terrible pain. I went to a hospital which was in network with my insurance. I paid my co-pay which was {$100.00} and then was treated and sent home. Several months later I received a bill for my visit for {$850.00}. I contacted the hospital and told them I already paid my co-pay for tue in network hospital. They said well the doctor who saw you was not in your network. I disputed this with XXXX XXXX because when you go Into the emergency room you are not at your best or thinking clearly. They had given me XXXX XXXX XXXX and I was out of it. I didnt know I should have ask that question if my doctor was also in network. They finally removed this bill from my account. A few months later I received a call from a collection agency. I disputed this and finally it was removed. Now 3 years later this new collection agency appeared on my credit report and now this looks like a brand new collection as of XX/XX/XXXX. I have disputed this with XXXX and it came back as verified. I believe that this is fraudulent and need to have this removed from my report. I have worked very hard on my credit for the last two years and now this dropped my score 11 points and causes me to not get my home equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: MS
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:
Spoke with XXXX XXXX from XXXX XXXX who verbalized over the phone though I requested in writing a copy of documents utilized for disputes for inaccuracies collection accounts, address inaccuracies, employment information, and prevention from accessing my electronic credit file. XXXX and stated that we are not going to give this information, we do not utilized any particular documents to validate debts reported, and that you can subpoena them if I wanted any information. The negligence and malicious management of XXXX as well as there abuse for management of my credit file has result in years of damage to my credit reputation. They continue to violate my consumer rights according to FCRA and do not properly investigate disputes or inaccuracies. 


After speaking with XXXX a dispute specialist with Experian, she also failed to explain how my disputes for inaccuracies were properly investigated and how they were closed with minutes apart after submitting information that proves the inaccuracies should be deleted. I have submitted more than 3 disputes for collection accounts, address inaccuracies, other personal information, and employment information that is inaccurate. I also submitted a certified letter to correct these inaccuracies in XX/XX/2021 with a copy of my identification.

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 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy on my credit inquiries close account. I have a fraud alert on my file but the still is not working. I have ask for validation is never done. All I get is variation from the Credit report agencies. These is my second time reading to you guys asking for help nothing have been done I need these credit agencies to validate or remove these information thats not mine out of my personal 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