BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been well over 45 days. I feel like I am being taken advantage of and I will file for litigation if necessary. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion. The credit bureaus are in major violation and this matter should be handled immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The car was a total loss, the loan was paid off and it had XXXX. I received a refund check for XXXX dated XX/XX/XXXX. This check was made payable to myself and XXXX XXXX ( other borrower ). The check was signed by both of us and placed into my XXXX account via Remote deposit on XXXX XXXX. XXXX took out the funds from my account on XX/XX/XXXX and said the check was unpaid by Ally for " Refer to XXXX ''. I contacted Ally on XX/XX/XXXX and asked that a stop payment be placed & a new check issued. I called back on XX/XX/XXXX and was told by the agent the check was cashed and paid to XXXX. I explained I have the letter from XXXX telling me it was not. She asked I fax it in. I faxed to XXXX on the XXXX. I called again on XX/XX/XXXX and was told the fax was not found. I asked to escalate & the agent said she would open a request for a call back. I submitted a XXXX XXXX Report on XX/XX/XXXX. I got a call back on XX/XX/XXXX & was told the fax was found & it will be handled by their payment area. I should hear back in a week to 10 days. I heard nothing. I called the escalation area at XXXX on XX/XX/XXXX and XX/XX/XXXX and left a message. To date I have heard nothing.

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 2022-12-09
Company: U.S. Auto Sales Inc.
State: GA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Gurstel Law Firm, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Settling a complaint that was filed against me in the XXXX Judicial District Court of XXXX County, State of Utah, XXXX XXXX Department. Case : XXXX, Judge : XXXX Plaintiff : XXXX XXXX XXXX XXXX   Attorney for the Plaintiff : Gurstel Law Firm , P.C . 
Phone : XXXX File : XXXX On or about XX/XX/2019 I spoke, over the phone, with Gurstel Law Firm, XXXX XXXX About a settlement. I made an offer and she said that she would submit it. 
She called me back on the morning of XX/XX/2019. With a different settlement offer from Gurstel Law Firm of {$7500.00}. To be paid in monthly payments of {$310.00} for 24 months. 
I agreed to it. Received a stipulation of what was discussed. I signed and returned it via mail on XX/XX/2019. 
After not hearing back from Gurstel, and wanting to insure that the issue was resolved. I went to the court house and looked up the case. I'm including a copy of what I discovered. The settlement amount was changed, After I signed the document, to read {$11000.00} This is a two page document. I signed the back page. Then the front page was switched out to reflect a much higher amount. Then submitted to the court. 

Please compare the quality of the printing of the front page to the back page. They're obviously from two different documents. Pieced together. 

Notice how the required payments of {$310.00} X 24 months = {$7500.00} {$310.00} does not come out evenly with {$11000.00} ( {$11000.00} Divided by {$310.00} = XXXX Months I'm withholding payments until a resolution is reached through either your office, or the court after Gurstel Law Firm reopens the complaint due to noncompliance. 

Can I get a copy of transcripts from my conversations with Gurstel Law Firm?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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: Information belongs to someone else

Complaint:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: HW Holding, Inc
State: TX
Product: Credit reporting 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 am filing this complaint to HWARFIELD for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Cornerstone Holdings, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A few years ago I cancelled my phone contract with XXXX because I found out it was cheaper if I just bought a pre-paid phone. Well in order to get a pre-paid phone and get out of my current phone contract I had to pay off what was left on my current phone contract. I'm pretty sure I was told I paid off everything with them. Later my card information must have not been taken or rejected because I found out I had money in collections. I wasn't able to find out that I had an unpaid debt because I had changed phone numbers! I have never had any problems with paying my credit on time or debt problems of any sort and I hate that this is on my credit record and I want it off if any way possible. 

The creditor that was trying to call me but was calling by previous cancelled number was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX The phone company I had cancelled with but couldn't contact me because they were calling a canceled number was : XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX My credit collection opening date was : XX/XX/2015 The collection amount I paid of on record at XXXX XXXX is : {$110.00} ( However, I remember paying way more ) My current phone number is : ( XXXX ) XXXX I want this off my record as I genuinely was not able to be contacted for years because they were trying to contact me at the wrong number. I didn't find out about this until got an account with XXXX and saw it on my record. So I ended up having to call them from my new number. 
Thank you so much for your help. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My card was paid in full however the company refuses to update the credit bureau reflecting as such. They have reported balance increases but are not reporting decreases. I reached out requesting they show that I've paid and they said they have stopped reporting to the bureau. I paid my card off because I am trying to improve my credit but the refuse to update the report. There was never any information sent out detailing they would cease reporting. I believe it is unfair that creditors can report new debt immediately but then refuse to report payment history and updated/balance decreases. This is unfair to the consumer. In addition as a generalized statement creditors as a whole should be able to update account decreases immediately just like they can report increases..it should take months to reflect a paid in full balance. This is an unfair practice to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Located a loan from XXXX on my credit file that was not instituted by me. Contacted them directly by phone. They refused to acknowledge fraud and my FTC report and documentation of fraud. After receiving the loan contract when requested, I submitted a certified letter to them requesting the account be arbitrated per the contract. This was received and signed by them on XX/XX/XXXX by the authorized agent. I contacted them again on XX/XX/XXXX to ask the status of the arbitration and management hung up and on a re call they refused to take the call when a manager was requested.

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 2019-03-30
Company: Bonneville Billing and Collections
State: UT
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 an open delinquency from Bonneville Collections that lists XXXX XXXX XXXX as the original creditor. The only time I've worked with XXXX XXXX XXXX was nearly 3 years ago when I moved out of a home that I rented from them. The company asked me to move out and I moved out as per their request and left the house in considerably better condition than it was when I moved in. My rent was paid in full and they never returned my deposit. The company has not attempted to contact me in any manner. I have had the same phone number for 6 years and have put in official change of address with the post office so if they had mailed me anything, I would receive it. There is absolutely no reason I should have an open account with them. Please investigate and remove from my report. I am working very hard to repair my credit and this has set me back incredibly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
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:
XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with EQUIFAX, XXXX and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has EQUIFAX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I checked my credit report today and I noticed that it says my student loan balance is {$220000.00} and that is incorrect. My balance according XXXX is actually {$190000.00}. I am being overcharged on my credit report which is affecting me negatively.

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 2022-09-15
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of every month I have an automatic external transfer done from my people 's united bank checking account to my XXXX  checking account. People 's withdrew {$1100.00} from my checking account on XX/XX/22 for my external transfer to XXXX XXXX. XXXX should have received it XX/XX/22. Effective XX/XX/22, Peoples transitioned over to M & T bank. As of XX/XX/22, XXXX still has not received my XX/XX/22 external transfer from Peoples bank. I have been to Peoples/M & T bank since they reopened on XX/XX/22 ( the transition occurred all XXXXXXXX XXXX weekend ) every day asking what the problem is and all they say is that they are looking into the issue, they can't get the history because it was done while under Peoples realm, they don't have any tracking number for this external transfer and they have no idea where the {$1100.00} went. XXXX XXXX  says they don't have anything in their system under my name, address, account number or social security code so it never went to XXXX XXXX. It's now been 14 days since this transfer was done and no resolution has been reached.

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 2018-04-23
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) provided misinformation on Cash to Close amount needed. The amount disclosed to Buyer, prior to closing, ranged from approximately {$4000.00} to {$6000.00}. 
XXXX sent Buyer a Closing Disclosure on XX/XX/XXXX, just three days before Closing, which showed Cash to Close {$5100.00}. However, 45 minutes after Closing had commenced, Buyer was notified that {$22000.00} would be needed to Close on the Property. Cash to Close cost of {$22000.00} was never discussed nor disclosed to the Buyer at any time leading up to Closing. 

- The Buyer inquired numerous times, by phone call and through electronic correspondence, to the amount that would be needed to Close on the XXXX property. XXXX XXXX email dated XX/XX/XXXX estimated Closing Cost at {$4900.00}. XXXX XXXX and XXXX XXXX forwarded documents that reassured Buyer that Closing Cost would be affordable and in Buyers affordability range. 
- XX/XX/XXXX Buyer received Loan Estimate from XXXX XXXX XXXX Estimated Cash to Close : {$6400.00} - XX/XX/XXXX Buyer received Loan Estimate from XXXX XXXX XXXX   Estimated Cash to Close : {$4900.00} - XX/XX/XXXX ( 3 Days prior to Closing ) Buyer received Loan Estimate from XXXX XXXX XXXX Estimated Cash to Close : {$5100.00} - XX/XX/XXXX ( Day of Closing + 45 minutes into Closing ) Buyer received Final Closing Disclosure from XXXX XXXX XXXX Estimated Cash to Close : {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, XXXX and TRANSUNION ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, TRANSUNION and 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm the victim of identify theft and I don't recognize one or more of the fraudulent accounts on my report and I would like to get these fraudulent accounts and addresses removed and blocked. The following addresses are XXXX XXXX XXXX XXXX XXXX tn XXXX and XXXX XXXX XXXX XXXX XXXX  tn XXXX and these addresses are linked to several accounts listed on my identify theft report. Fraudulent Accounts, XXXX date XXXXXXXX  account number XXXX amount of fraud XXXX. XXXX XXXX XXXX date XXXX account number XXXX amount of fraud XXXX. XXXX XXXX  date XXXX account number XXXX amount of fraud XXXX. XXXX  date XXXXXXXX  account number XXXX amount of fraud XXXX. XXXX  date XXXXXXXX  account number XXXX amount of fraud XXXX. XXXX  date XXXXXXXX  account number XXXX amount of fraud XXXX. Fraudulent Inquiries, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.AS YOU ARE WELL AWARE, UNDER 15 U.S.C. AND 1681i ( FCRA ), YOU ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION. YOU HAVE ALREADY VIOLATED FEDERAL LAW BY REPEATEDLY REPORTING INACCURATE INFORMATION. FOR THIS IS A VIOLATION OF FEDERAL LAW THAT I HAVE A RIGHT TO SEEK REMEDY AS IT HAS CAUSED ME DAMAGE IN HOW I AM VIEWED BY LENDERS, AND TERMS OF LOANS RECEIVED. HOWEVER, I ORDER TO ACHIEVE AN AMICABLE RESOLUTION OF THIS MATTER, I REQUEST THAT WITHIN FIVE DAYS OF RECEIP OF THIS LETTER THAT THE TRADE LINE ASSOCIATED WITH THIS COMPLAINT BE DELETED FROM MY CREDIT REPORT, AS PRESCRIBED BY FCRA. I HAVE INCLUDED COPIES OF MY IDENTIFYING INFORMATION TO PROVE MY IDENTIFY. I LOOK FORWARD TO AN EXPEDITED CONCLUSION TO 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 non-monetary relief
Consumer complaint received 2022-12-09
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: Account information incorrect

Complaint:
I checked my credit report today and I noticed that it says my student loan balance is {$220000.00} and that is incorrect. My balance according XXXX is actually {$190000.00}. I am being overcharged on my credit report which is affecting me negatively.

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 2022-12-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I checked my credit report today and I noticed that it says my student loan balance is {$220000.00} and that is incorrect. My balance according XXXX is actually {$190000.00}. I am being overcharged on my credit report which is affecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I attempted to send money to a friend in the total of {$69.00}. PayPal led me to believe this person had an account when searching their email address and name by showing them as a user and publishing her photo. After they removed the money from my account I contacted the friend to ask if they received the funds. She informed me that she no longer has an account, does not have access to an account, and that PayPal was not allowing her to accept or decline the funds. After repeatedly contacting PayPal, they have informed me they will not return the funds and since the other individual cant accept the funds, PayPal will be keeping the funds for themselves. This practice seems not only misleading- they are showing individuals as having accounts and going so far to show their photos - when they in fact do not have a PayPal account, but also highly unethical. Additionally, their customer service and complaint process is difficult to find, hard to communicate with, and vague in their responses. To get full information about what is going on you are expected to complete ALL of the following : online forms, telephone calls, and physical mailing of forms to file a file a complaint.

Company response to consumer: Closed with explanation