BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have tried every method available and there continues to be insufficient actions taken by TransUnion to accurate provide accurate information on my report, which has caused me and my family catastrophic consequences against me & my ability to obtain viable employment as well as credit to provide a home for my family. 


Title 15 1681i. & FCRA Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( I ) Certification of accuracy of information if any information is deleted from a consumers File pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

TransUnion had previously deleted the 7 XXXX XXXX XXXX accounts and then re-inserted them on my reports months later, I was not notified of the re-insertion of this information. Per Title 15 1681i. & FCRA 611Procedure in case of disputed accuracy ( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing Not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

TransUnion has also deleted and reinserted 19 Hard inquires on my credit report, I requesting proof of notice sent to me of the re-insertion of these items or the immediate removal.

Im request proof that this notice was submitted to me after re-inserting the ( 8 ) accounts from the XXXX XXXX XXXX back on to my Transunion report along with dates verifying the submittal to me. or the immediate removal of the 8 accounts from the department of education.

I have uploaded two reports from TransUnion one dated XX/XX/XXXX that does n't show the XXXX XXXX XXXX accounts and TransUnion reported dated XX/XX/XXXX showing the re-insertion of 8 accounts from the XXXX XXXX XXXX there are reports showing those accounts as included in Bankruptcy removed and now reinserted.

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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterwards I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letter of several unpaid for accounts that I have never open. There's a fraudulent account open that I am not near familiar with. These accounts are not mine, please remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$830.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my 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 2021-08-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$500.00} I was scammed out of {$2500.00} for an apartment on XXXX. As soon as I found out I went and filed a police report, printed out all the e-mails and gave them to Citizensbank. Citizensbank turned around and told me there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted on XX/XX/XXXX concerning a debt from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX I contacted them today to get more information on this debt. They state the debt was originally for a credit card obtained in XXXX with a balance of {$2000.00}. They stated they have spoken with me on several occasions and was told not to contact me again. They have ignored that and called me again on XXXX. When I spoke to someone at that time and also again today I requested an original contract with my signature on it. I also requested their surety bond number for the state of XXXX that proves they can collect a debt. I told them the statue of limitations is 4 years in the state of XXXX. I am being harassed for a debt from XXXX with no proof that it's mine. I was told that they will open a dispute for me and I answered I will dispute as well. I was told this will be reported on my credit file, why? This debt is from XXXX and no proof has been provided that it's my debt. They are violating the fair credit reporting act as well as my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I SENT A LETTER ON XX/XX/2021 TO THE COMPANY TO VERIFY THAT THIS DEBT IS MINE THEY FAIL TO VERFY THE INFORMATION I ASKED FOR TWICE.SENT ANOTHER LETTER TO VERIFY THAT THE DEBT IS MINE ALSO IN XXXX THEY NEVER RESPONED TO THE SECOND LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: NC
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:
Equifax should not be reporting a collection with a past due balance of {$13000.00} on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I had severe medical complications from a XXXX XXXX XXXX procedure. I had been in contact with XXXX  and informed them of my medical situation. I made all scheduled payments on the vehicle. I was not made aware there were any issues and I was never notified that my account was in jeopardy. Consequently, the vehicle was taken and sold at auction. The vehicle sold for more than what was owed so there is no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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:
I settled a XXXX XXXX collection balance with a law firm. ( Account number XXXX ) I attached the SETTLED IN FULL letter to the disputes at the bureaus. The bureaus left a balance on the file. This is a violation of my rights under the Fair Credit Reporting Act. 

According to Section 611 ( a ) ( 1 ) ( A ) of that law : Subject to subsection ( f ), 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, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 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 or reseller.

The key phrase in that paragraph is : " RECORD THE  CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE '' The current status is that the balance is 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 2021-08-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Up until very recently Wells Fargo gave the option to contact them through email from within the account online. 

They no longer have that option and the only recourse they give to contact them electronically is through XXXX and XXXX. 

This creates a huge hardship in resolving account issues in a timely manner for those of us who do not want to put our financial information in the hands of XXXX and XXXX. 

Please have them resume the email option for contacting them. 
The wait time to call them can be excruciatingly long. Their email customer service was very helpful. 

By making it harder for customers to correct problems Wells Fargo will no doubt collect a lot of unnecessary fees.

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 2019-08-26
Company: EQUIFAX, INC.
State: NE
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:
On Thursday XX/XX/2019 my credit score was XXXX on Friday XX/XX/XXXX XXXX, Equifax, XXXX dropped my score from 34 to as much as 89 points. There was no additional information added or deleted during this time period except that my Credit Card balances were reduced slightly which should increase my score. Upon contacting XXXX they stated that is not information we can provide you. Predatory credit reporting is the biggest consumer ripoff in the United States. ; I want the score returned to the mid 600s or a legitimate explanation why it is not!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I XXXX XXXX XXXX entered a consumer credit transaction with Capital One Bank on XX/XX/2017, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX XXXX XXXX the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I've asked Navient/ XXXX to stop contacting my employer directly and they have so far refused to do so. Our HR manager received a fax today from Navient/ XXXX  and it was a request for employment verification. This is ridiculous at this point and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: ROYAL UNITED MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Since you closed the complaint no : XXXX, I want to bring to your attention further fraud by royal united. In their response they said that we applied for loan on XX/XX/XXXX, and gave them permission to charge appraisal on XX/XX/XXXX. Infact, XXXX XXXX, their agent called us almost at XXXX  to get our credit card details, we were exhausted and half asleep. We asked him why does he need the credit card so soon, we don't even have a proper response from the seller not even an inspection date. He said it's just for record and will be charged only 10 business after inspection with the consent of buyer and seller and only if the inspection report is satisfactory. Infact, even our broker asked us why is your mortgage company taking your credit card details for appraisal prematurely we haven't even heard from the seller about final inspection date, then we informed her that XXXX said he won't process our loan without the credit card, it's just for deposit. We didn't give him permission to charge our card one day after loan application. Why will we apply for loan on XX/XX/XXXX and ask to charge on XX/XX/XXXX? They also agreed that appraisal was supposed to take place on XX/XX/XXXX with our consent. Then how and why did they charge us on XX/XX/XXXX without an inspection report and without consent from seller and buyer. Firstly, how and when did appraisal company go to the sellers house without sellers permission from XXXX  until XXXX XXXX to have the report ready to charge us by morning XXXX XX/XX/XXXX considering we only applied for loan on XX/XX/XXXX. Also, they agreed that the report of the house is not satisfactory then why did they fraudulently charge us and continue to misrepresent and misguide us. Why did he call around XXXX asking us to provide credit card details under the pretext of it being a valid loan process? They also contended that we don't respond, well we have tried calling them over 30 times, they ignored us. Have taken our money and left us stranded. They continue to harass and frustrate us to the point where we've lost trust in the system. I hope you can atleast recognize their fraudulent behavior and direct us towards the right path against such scammers. Thank you. Find attached, date of charge and outgoing call list

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: CORELOGIC INC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize XXXX  XXXX to allow 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 2020-06-24
Company: Paramount GR Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I filed an application for a loan to cover the costs of solar panels on my house. I was referred to this company ( LoanPal ) by the sales agent for the solar panel company. ( XXXX XXXX XXXX XXXX ) I was approved for credit ( XX/XX/XXXX ) and was scheduled to make my first payment on XX/XX/XXXX. Since I opted out of automatic electronic pay, I waited for the company to provide me with an invoice. Towards the end of XXXX, I had not received an invoice so I contacted XXXX XXXX XXXX, the XXXX XXXX   XXXX representative, and inquired as to how I was to effect my first payment since I had not yet received an invoice and it was close to the due date. Within days of speaking with XXXX XXXX, either XXXX XXXX, XXXX, I received the invoice. Knowing that payment would be late due to late arrival of invoice, I hurried the next business day to send the payment through a money order by mail. By XX/XX/XXXX I began to receive multiple calls from a representative of LoanPay ( XXXX ) and he was insistent on signing me up for automatic electronic pay which I explained to him that I had opted-out of autopay. This person persisted on calling me repeatedly on my cellphone until I decided to make a one-time payment through my wife 's credit card to get him off my back and to expedite receipt of payment. Since I had already mailed my payment, I waited to hear back that payment had arrived and that it would either be submitted as credit to be applied for the month of XXXX or returned to me. Due to the COVID-19 situation, I was not able to contact anyone at LoanPal but was hoping to clear up this issue as I live on a monthly pension and have limited financial resources. I completely forgot about this issue due to the worsening of COVID-19 complications and sometime after XXXX, after again not receiving an invoice on time to make a timely payment, I started getting calls from the LoanPal representative regarding my XXXX payment. I explained the situation regarding the double payment sent the month before and he completely disregarded my explanation and continued to once again insist on signing me up for auto-pay and I again I refused and informed him that I had opted out of that option and that I was not about to make a second double payment. I began getting emails and phone calls attempting to force me into making another payment and I opted to writing LoanPal/Customer Service through email furnished by XXXXXX/XX/XXXXXXXX. I was not able to get any resolution and they insisted that my monthly payment was delinquent and that I would accrue additional late fees. I opted to wait to send the XXXX payment but harassing calls and emails have persisted, insisting that I now owe them {$160.00}. I get 5-6 harassing calls or emails per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020, I entered an agreement with Hunter Warfield to settle an owed amount of {$390.00}. The settlement was for {$300.00}, that was to be split into two equal payments of {$150.00} ( see the document titled " Hunter Warfield - Settlement Agreement ''. ) On XX/XX/XXXX, the first payment of {$150.00} was posted to my account account ( see the highlighted transaction in the document titled " Statement, XXXX ''. ) On XX/XX/XXXX, the remaining {$150.00} was scheduled to be withdrawn. No such withdrawal was ever made. However, the funds were available for withdrawal ( see the Balance column of the highlighted portion of the document titled " XXXX Transactions & Balance ''. ) Today, on XX/XX/XXXX, I noticed that the {$150.00} still had not been withdrawn from my account. I called Hunter Warfield to speak with a representative. I asked the representative why the transaction failed. He said he didn't know why. I said I was willing to pay it today. He said since the transaction failed, the installment of {$150.00} and the entire settlement were both void. He told me that instead, my balance was {$240.00}, but that they could get the amount down to {$190.00}. I asked why I was never contacted my customer service, and he said that he didn't know. I told them that it was clearly a mistake on behalf of Hunter Warfield, and that either I will a. ) honor the original agreement of {$150.00}, or b. ) not pay until it was resolved. He said that they would not honor the original agreement, and insisted I pay the higher amount of {$190.00} - an additional {$45.00}. The representative recommended that I contact my bank and see if it was a mistake on their part. I contacted my bank, and they said that no such transaction was ever attempted on XX/XX/XXXX. 

Hunter Warfield is either deliberately lying in an attempt to collect more money than what was agreed upon, or are not willing to adhere to an agreement we made as a result of their own wrongdoing. The phone call ended after I repeated that it was Hunter Warfield 's fault and wasn't going to pay for their mistake. The representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: REGIONS FINANCIAL CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at XXXX XXXX. It was reportedly sent to XXXX. XXXX claims these funds were never received and XXXX states funds were withdrawn and I would need to talk to XXXX. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To XXXX, XXXX. XX/XX/XXXX XXXX payment {$2200.00}. The Trace number is XXXX It has been further reported that XXXX sent these funds to my new loan service provider Regions Bank. They claim funds have never been received.

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