BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Billing dispute for services

Complaint:
On XX/XX/18, I wanted to check my FREE credit bureau credit report from TransUnion. In doing so, the first message was " error, information could not be processed or received, '' which had then led me to a sign up page. Without my knowledge, I signed up in order to view my credit score, only to find out that on my credit card, it had charged my credit card {$19.00}. This was unknowing and thus, has led me to make this dispute. The error caused my curious self to be out of {$20.00}, leaving me to be quite angry at the situation.

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 2022-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not have nor have I ever had a XXXX XXXX account or credit card. 
Yet shows up a delinquient on my credit report. 
How do I rectify this issue?

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 2021-03-03
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account is reporting as delinquent on my credit report and I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: ENCORE CAPITAL GROUP 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:
I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I started the process for a XXXX XXXX on my property. Beginning of XXXX XXXX we submitted the initial offer on the property for {$180000.00} and an interior XXXX was ordered by the servicer ( Selene Finance ) on behalf of the investor ( XXXX XXXX XXXX ). On XXXX XXXX we received a counter offer for {$260000.00} from XXXX XXXX ( negotiator ) assigned to the file. On XX/XX/17 we submitted a buyer counter offer for {$230000.00} with a net amount of {$210000.00}. On XXXX XXXX we received a counter offer from XXXX XXXX again with a net amount of {$220000.00} requesting a response by XX/XX/17. On XXXX XXXX we submitted a buyer 's counter for {$230000.00} and lower the realtor commission to XXXX % to make the deal work with total net amount of {$210000.00}. On XXXX XXXX we received a response from XXXX XXXX advising us that the offer was declined by the investor and the only option given was a XXXX XXXX XXXX. on XXXX XXXX we submitted a new buyer counter offer for {$240000.00} with a net amount of {$220000.00} and received a response on XX/XX/17 that the offer did not met the investor request of {$220000.00} net requested. On XX/XX/17 a new buyer offer for {$250000.00} with a net amount of {$220000.00} was submitted for investor 's review. on XX/XX/17 the investor requested to have an insurance claim completed on the property, the insurance claim was filed and completed. The insurance claim was submitted to investor on XX/XX/17. On XXXX XXXX the investor ordered a new interior XXXX  because the previous XXXX has expired and the new one was completed XX/XX/17.After the new XXXX came back, I received a response to let me know that now the investor wants {$100000.00} more for a total of {$320000.00} net based on the " AS REPAIRED value of the property ''. This is a clear malpractice and abuse that some of the mortgage investor 's are doing regardless of the financial situation of the mortgagee. This type of abuse must be stopped by our federal government and any investor doing such practice must penalized. The investor is abusing their position and taking advantage of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: ALLY FINANCIAL INC.
State: NJ
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:
My credit has been pulled fraudulently. Please remove inquiry

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 2017-12-06
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Borrower : XXXX XXXX, Property : XXXX XXXX XXXX XXXX, CA, XXXX. 
Loan number : XXXX On early XX/XX/XXXX, writer requested via phone requesting cancellation of private mortgage insurance ( PMI ). 
By XX/XX/XXXX, The Money Source ( TMS ) sent a letter regarding the conditions to be met before PMI can be cancelled. I opted to go for request based on Original Value. I sent a {$200.00} dollar cheque for Broker Price Opinion.  Nothing happened. 
On XX/XX/XXXX writer made a call to customer service ( talked to XXXX -supervisor ) made a follow up on my PMI cancellation application. XXXX said they will escalate my inquiry. 
XX/XX/XXXX, writer called customer service department regarding third party appraiser did not come in. Representative said " I ca n't do anything ''. 
On XX/XX/XXXX, a third party company came to the property to take pictures. 
On XX/XX/XXXX, writer made a follow up on PMI cancellation application and the representative said " I will escalate that inquiry to my supervisor. You should be receiving a letter after 30 days after the 3rd party appraiser visited your property ''. 
On XX/XX/XXXX, writer made a follow-up and said " I will escalate your request ''. 
Nothing happened. Frustrated. 
I know I will qualify for PMI cancellation based on Original value because my LTV ratio is below 80 percent and I am up to date on my monthly payments. I need your help to expedite my request as TMS is using a delaying tactic. 
Thanks a lot.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27
Company: Experian Information Solutions 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:
Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports XXXX, XXXX and Experian under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks

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 2018-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports XXXX, equifax and XXXX under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Bread Financial Holdings, Inc.
State: MA
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:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Transaction with MoneyGram on XX/XX/21. There were 3 unauthorized money amounts sent ( {$810.00}, {$810.00}, {$200.00} ) to XXXX. A country we never sent money to. We contacted MoneyGram on XX/XX/21 about how this happened, why the suspect transaction was not stopped and a refund. MoneyGram could not provide any information to assist or explanation how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i XXXX XXXX checked my credit report and i noticed some fraudulent an inaccurant accounts on my credit.i then proceeded to reach out to the credit reporting agencies for remedy the situtation but would not help me correct these fraudulent an inaccurant accounts.

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 2020-01-29
Company: Experian Information Solutions Inc.
State: GA
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  and Experian are reporting incorrectly that I am ( 120 180 ) days  late on XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-02-06
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I explained to the collector that insurance was provided and time of service and then I also provided insurance information again to them several times. I was told they would apply it to applicable accounts as some accounts they waited to long to file with the insurance company which was not my fault. However, the creditor agreed to remove these debts from my credit report but did not. I then disputed it with the 3 credit bureaus and each time XXXX come back verifies the debts as accurate. I have attached the communication between me and XXXX as this has been a burden and unfair practice to damage my credit. Furthermore, no communications about all of these debts were ever received just a 2 and I found out by pulling my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a payment for services rendered of {$1000.00} the customer opened a claim on XXXX XXXX to try to keep the services that were completed and get his money back fraudulently. I sent papal all the proof that work was completed, and the customer had contacted me the day he refund was requested and never mentioned a refund. Subsequently I sent a payment of {$220.00} from my account to XXXX XXXX XXXX when that payment was sent there was no notice that the negative balance would be added in addition to that transaction. Since then the account I sent the payment through has been made negative and when they try to transfer it alerts them that balance would be added to the transaction and the total amount. 
I want to know when that feature was added because it was not there when I placed my transaction. I'm asking that paypal refund me the balance they took because no prior notice was given and it was put on the back end of my transaction. Even if you look in my ledger with them it shows XXXX not the balance they added after the fact.I have attached what it looks like today if your account is negative it gives you a warning that the balance owed will be added to your transaction. I was not given that so I'm requesting they refund the balance to my card that they took without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX is a tribal payday loan company. I took a loan with this company but found out they are illegal to do business in the state of Florida after the loan was taken. I reached out to XXXX to delete the loan immediately from my credit files since they are not licensed to do business in FLorida. The company refuses to adhere to my state laws.

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: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector has been calling from restricted number and will not provide information about who they are or why they are calling and become aggressive when I ask for that information. I traced the restricted call to a phone number associated with commenity bank who is attempting to collect payment from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt was included in a bankruptcy years ago!!! It has already been deleted from my XXXX credit report and still is showing on my Equifax credit report Ive called many times and no resolve!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: MIDFIRST BANK
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Permanent layoff since XX/XX/2020 due to covid. I found out about the repayment offer from another bank. I called last year about refinancing and again this year. I was told they could not offer refinancing at this time. I will not be returning to work due to complicated medical conditions. I am getting the extra XXXX dollars on unemployment but as of XX/XX/XXXX this will be taken away. I will be drawing XXXX only.

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: Experian Information Solutions Inc.
State: NY
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 XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-06-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/18 I received a letter dated XX/XX/18 detailing that WITHOUT my consent Equifax placed a fraud alert on both my credit report & email address, also forwarded unauthorized alert to both XXXX  & XXXX. Several phone calls later Equifax claims to " begin processing '' alert removal, but refused to forward removal attempts to the two other bureaus, both refusing to personally remove alerts. 
This demonstrates a willful mishandling of consumer personal information as each bureau now requires " special handling '' because they refuse to ask identifying questions to remove alerts. An audit of Equifax is required as this highlights their history of data breach & failure to accurately organize & safeguard consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX is using intimidation tactics insisting on me paying the full amount of around {$3500.00} debt when I have disputed the amount. The original creditor was XXXX XXXX for an XXXX  account, and the dispute was in regards to a defective {$840.00} product that XXXX refused to return, while XXXX XXXX kept piling up {$450.00} finance charges each month. 

1. They sent me a letter that I'm being sued and when I called them to explain why i am disputing the amount, and offered to settle for an amount equal to the value of the defective product even though i have no use for it. I asked for a letter that the collection entry will be deleted from my credit report and the status reflecting somewhat a positive status, they sent me back to Midland credit stating the don't have that authority. 

2. When i called midland credit asking for the same thing, they sent me back to XXXX XXXX XXXX stating the account is no longer in their hands. 

3. I submitted an offer to XXXX XXXX XXXX on XX/XX/XXXX at their mkbillpay portal for settlement of debt 4. I received a letter dated XX/XX/XXXX which arrived at my residence XX/XX/XXXX from XXXX XXXX XXXX stating i have two weeks to respond before they start a discovery and file in court. 

5. I responded XX/XX/XXXX explaining all of the above. That i have not heard back regarding my offer to settle the debt and that i need to know who has the authority to provide me a letter stating how my credit reporting will be reflected once we settle this debt. I notified them that I have submitted a complaint with this Bureau. 

I know they will continue their intimidation tactics going for what they perceive as the full amount. I am stuck between Midland Credit & XXXX XXXX . I have in good faith offered to pay for the original value of the product even though it was defective in return for a positive credit reporting. What can be done to resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: General Motors Financial Company, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX  and XXXX  multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. 

I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.

Company response to consumer: Closed with explanation