BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 canceling credit monitoring or identify theft protection service

Complaint:
I signed up for a free credit report on TransUnion.com However, during the sign-up process, the company asks me to give them my credit card number. I thought this is for them to obtain my credit reports. I didn't know Transunion was being deceiving and silently enrolled me in a monthly recurring {$21.00} subscription. 
Furthermore, there is no option on the website to get out of the subscription. The number they provide is constantly on hold and have no way to talk to a support contact.

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 monetary relief
Consumer complaint received 2019-09-14
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2019 I went on XXXX XXXX  and ordered tickets to a XXXX XXXX Concert that would be performing in XXXX XXXX, when purchasing these tickets an additional site appeared for hotel so I began to register for my stay as well however once I completed this transaction and the amount appeared I noticed the total amount was astronomical ( not to mention the length of stay far proceeded the amount of time I would be there ) I immediately began cancelling the entire transaction including the tickets to concert, Unfortunately when I attempted to cancel tickets with XXXX XXXX was lead on a wild goose chase so I turned to American Express ( this is the Credit Card that I had used for said purchase ) Three different times I spoke to AE and they ensured me that this would be disputed especially since I did not receive service from hotel or tickets for concert. After countless attempts to resolve this I finally received a letter advising that although tickets had not been received the cost would not be refunded therefore I would be responsible for this outrageous amount. I once again began disputing and this brings me to you. I am a business owner and I am looking at possibly relocating to another state once I retire and this issue is already affecting my credit negatively. I am asking that you not only investigate the XXXX XXXX and their policies but try and negotiate with American Express to eliminate this debt from my personal credit card account. Thank you for your time and patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Experian Information Solutions Inc.
State: AR
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  ONCE AGAIN VIOLATED THE FCRA AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND HAS RAN MY CREDIT ON EXPERIAN 111 TIMES AND IS FAILING TO REPORT TO 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 2018-02-24
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: Information belongs to someone else

Complaint:
I attempted to access my free annual credit report with XXXX. It rejected my request saying I could not verify the account. I am concerned someone has stolen my identity and has put things on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I disputed my credit report with XXXX  and included santander consumer in the initial dispute. Letting them know that I am no longer liable for that account due to litigation and a judgement being entered against the company that they must remove their tradeline from my credit. XXXX  did not investigate as per fcra regulations. As the item somehow came back verified. I then again requested a reinvestigation on XX/XX/XXXX because not only was the tradeline removed from my XXXX  report but some reason it came back updated and verified with XXXX  that I made two on-time payments in XXXX and XXXX of XXXX and the account has been charged off as of XX/XX/XXXX and became defaulted in XXXX of XXXX. That investigation was closed out for XX/XX/XXXX without further reinvestigation per fcra. XXXX XXXX XXXX is in violation of court orders.

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 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
The credit card belongs to XXXX. I began having financial difficulties about 3 months ago and the past due amount is around {$400.00}. The option to pay on the past due amount was an ideal proposal and I began to make payments and arranged a future payment schedule. 

I have been paying this way for about 2 months. Now this month when I went online to make my payment, there is a red message telling me the account is closed and for me to make payments until the balance is paid off. 

About 2 months ago the account was breached and I sent XXXX a message that someone had been phishing my account. I knew this because I had to change my password to access the account. 

Meanwhile, XXXX told me that there was no problem with the account and if it had been breached, just to change the password. XXXX also told me that I could continue to use the online feature of XXXX to make purchases, I just could not use the XXXX charge card to pay for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had my credit ran today XX/XX/20 because I'm in the process of buying a house however, I was told that I would not qualify for a home loan due to having accounts with negative history appearing on my credit. I wasn't aware that these accounts were on my credit report because I didn't open any of them. The accounts are from these companies. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX. I do not have any written or verbal contract with any of these companies nor did I ever allow them to access my credit. I did not gain anything from these accounts that were opened in my name without my permission and I did not make any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized 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 explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, 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:
Account Name : XXXX Account NumberXXXX Account Type Charge Card Date OpenedXX/XX/XXXX Status Account : charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXX After multiple disputes for over 6 months with this company they still have failed to validate this account. I still have not gotten any response in writing or by phone. I even contacted this company to try to settle the debt even though its not mine just to get it off of my credit report. This is negatively impacting my credit which is stopping me to live a quality life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX {$240.00}. This account has caused me financial ruin. I have asked this account to be removed. XXXX XXXX XXXX said this will be removed. which didn't happen they have only closed the account. because it was open in error

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 2019-09-14
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
To Whom it my Concern, I was out of town last XX/XX/2018 and my daughter had been moving out of the house and into a condo with her boyfriend, she was picking up the last of her stuff over the weekend when she hit my rental that was parked in the driveway, she had done an address when she moved out weeks prior, but had not taken full effect, anyways her insurance did not pay for the damages on the rental, my insurance company, but there's still an outstanding bill of {$1500.00} and some, I refuse to pay because I did do the damages, she admitted to her insurance company that she did the damages but they won't pay, I ended up with the hit against me and my insurance cancelled me shortly after that and now it's on my credit report for not paying, why should I take the hit for one and 2 why should I have to pay it and why is the insurance company not taking responsibility and why is it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I still have not been provided any signed contract I have with XXXX XXXX, whether the original creditor is correct or not. So therefore the collection account is null and void. Until I am supplied a signed contract with XXXX XXXX with my wet signature I will simply keep disputing this. Under the FCRA you have to provide substantial evidence that this is indeed mine, which providing information from the original creditor doesnt substantiate that i have a signed contract with XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XX/XX/XXXX, my Paypal accounts were closed. However, every month the account is reporting as missed payments and dropping my score by XXXX points. I have not missed any paints in over a year. I spoke with Paypal customer service at XXXX on XX/XX/XXXX about the issue. The representative told me they couldn't send me anything in writing but would notify the credit bureaus.

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 2021-07-19
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First federal credit control is reporting a XXXX bill that I'm not financially responsible for. They have been contacted repeatedly by phone and mail by myself, and also the agency I was a XXXX XXXX  for a family. There was XXXX insurance, and any amount owed after insurance, was to billed to the agency to be paid by the intended parents. 
The date of service was in 2015 for the balance of {$120.00}. 
A letter was sent informing the credit bureaus I wasn't financially responsible for this bill. XXXX  continues to report this incorrectly and inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Commonwealth Health Corporation
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
to this bureau. 
Open Account # 1 {$1400.00} Balance XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor {$1400.00} High Balance XX/XX/2019 Opened Date XX/XX/2019 Last Reported Payment by .insurance coverage paid total bill. Check balance shows zero outstanding charges or balances. Total collection agency this was an unlawful act and no notice was made at all. Hospital officials total agreed with me and confirmed that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent several dispute letters to Equifax on XX/XX/2020 along with Proof of my identity, and Ihave not received a response yet to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Flagstar Bank, N.A.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a reimbursement check from XXXX XXXX which was to us but accidentally included our mortgage company. XXXX XXXX told us to send it to our mortgage company to be endorsed by them and for them to then return the check to us. My husband sent a check for {$440.00} to Flagstar in XX/XX/XXXX with these instructions. 

In XX/XX/XXXX I realized we had never received the check. Emails to Flagstar over the next few months were never answered appropriately by several different people, so we still had no idea where the check was. I contacted XXXX XXXX and they confirmed the check was cashed XX/XX/XXXX, and they sent me a scanned copy of the check. Flagstar did not respond to my email with the image attached. I started checking all our statements and finally found that the check cashed in XX/XX/XXXX was deposited to our mortgage account in XXXX. This was acceptable to me, but it was unacceptable that Flagstar still could not tell me that they had deposited it. Even after I told THEM what they had done, the same person who had received the copy of the cashed check replied with an email asking for a copy of the cashed check and assured me she would look into it, after I had already told her that I now knew where the money was and the issue was resolved. I replied with another copy of the check and asked that they please not do anything else for fear of creating more confusion. 

Our mortgage is paid automatically each month without fail and we hope to pay in full as quickly as possible so we don't have to interact with them again.

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 2019-09-14
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I filed chapter XXXX in XXXX that included 3 mortgage payments. At that time, XXXX XXXX XXXX held our mortgage. All payments after filing were paid to them. They sold our mortgage to XXXX XXXX XXXX XX/XX/XXXX, which payments were then paid to them each month. XXXX XXXX XXXX sold our mortgage to XXXX XXXX XX/XX/XXXX. As we neared the discharge of our bankruptcy because everything was paid back, XXXX XXXX contacted our attorney and told them we were behind on our mortgage - 9 payments. I sent payment information of each payment to our attorney to prove they were paid. XXXX XXXX still argued there were payments missing. They sent us modification paperwork to fill out and we did to keep them from doing anything like trying to forclose on our house. Continually making payments that at one time were in excess of {$1100.00} per month when our payments were only supposed to be {$760.00} per month. We received a letter XX/XX/XXXX stating they had sold our mortgage to Fay Servicing who is still saying we are behind 4 payments. My husband and I have both contacted them being told we need to speak with our account manager XXXX XXXX - yet neither of us have been able to speak with him because he is always on another line. I have emailed him 63 pages of proof of payments and still we can not get through to talk to him. My husband asked to speak with his supervisor - named XXXX - and was told he was not available either. We are in the process of selling our house and do not want the {$3000.00} dollars we DONT owe them to be taken during the closing. We have also requested a payoff which we have yet to receive. 
We have left several messages for XXXX and XXXX and have not received any calls back. 

Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX FKA XXXX {$780.00} XX/XX/2019 This account is an result of identity theft. I have reached out to this company several times. No result can you please help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
sent debt validation letter multiple times XX/XX/2019 XXXX XX/XX/2019 final letter sent XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent money to my mother during COVID on XX/XX/2020. It was suppossed to be delivered by XXXX the latest. I got the text message the money was delivered. However, when I called my mother ; nothing has been received in her bank. And was constantly reaching out to the bank on their end. And gave me a resolution that they have not received any money. I also reached out to XXXX and gave them infor to reasearch the transaction on XX/XX/2020 via XXXX. After this I never heard back from them even after sending them several messages. I reached out to their CEO too. I even sent an email. Their phone no. says service unavailable. Their website says chat, email and phone services are unavailable after you log in and send the money. Before you send the money it shows chat is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.

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