BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX credit reporting agency is not doing a complete investigation into incorrect information on my credit report. I just received today an updated credit report from XXXX  and the results of the investigation did not solve the problem. There is an account " XXXX XXXX  XXXX that was suppose to be deleted off my credit report '' I 've disputed this account with XXXX and the company responded to delete off my report I am uploading proof that this account was deleted from XXXX because the company responded to delete. XXXX  should have received the same response. I have been disputing this for over 6 months now and when I try to go online to dispute it again XXXX will not let me on to dispute this 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 2022-04-01
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: Personal information incorrect

Complaint:
According to the fcra these inaccurate negative accounts must be removed from my credit report asap incorrect names and addresses my correct name is XXXX XXXX XXXX XXXX my correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-09
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper a mortgage provider recently took over my mortgage from another company. I got a letter recently that they did not pay the insurance on my house even though the money has been in escrow. Ive tried calling them a few times and either keep getting put on hold or they let me speak to someone who is working from home who clearly isnt qualified to handle anything related to mortgages. The couple people I did speak to tell me that they cant get anyone on the phone from my home owner insurance company. I find that hard to believe that is the case. While i was on the phone with them they were magically able to get a hold of someone. After that the call got disconnected and the agent from Mr. Cooper said he would call me back or send me an email stating it was taken care of ... ..none of this has been taken care of. I did not ask nor did I have in any say in having Mr. Cooper service my loan. They are extremely hard to get anyone on the phone to help talk to and haven't fixed my issue. When they finally offered to help with a resolution I asked for an email confirming the issue was resolved they offered to send a fax ... ..its 2021 and they cant send an email? This company has very bad business practices and seems to be ran from someones garage. I did not ask to do business with them and its unfair how they treat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have contacted them XX/XX/2019. They refuse to remove the inaccurate i formation. I called XXXX XXXX myself and asked them when will they remove the information from my credit report and they said they are waiting on XXXX, which it had been over 90 days.

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 2019-10-03
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Ive sent multiple Requests by fax to this stupid company but they wont Send me my report this is ridiculous they must be shut down and investigated their very rude never answer the phones victim of if theft and they dont care to provide me my report by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: RentDebt Automated Collections, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cosigned a lease for a now ex-girlfriend named XXXX at the XXXX XXXX XXXX in XXXX, Alabama in XXXX of XXXX, because they rented based on income and hers alone was not enough. It was made clear that I was only signing to allow them to rent the apartment to her and I would not be assisting financially nor living there. In XXXX of the same year, I called and asked the apartment manager if I could be removed from the lease without it affecting XXXX. She said yes and to come sign the Roommate Release forms and relinquish my key to the apartment. I went there immediately, signed the paperwork and handed over my key. I do not know how much longer XXXX continued to live there but I was told that I was no longer responsible for nor allowed access to the apartment upon signing the paperwork. 

On XX/XX/XXXX of XXXX I received a letter from a company called RentDebt that said I owed {$970.00} to the apartment complex. I emailed them immediately and told them practically what I stated above, the debt was not mine, and gave them all information I had so they could track down XXXX. 

On XX/XX/XXXX they called me trying to collect. I told them I had already emailed them, the debt was not mine, and I would not be paying it and they hung up. 

On XX/XX/XXXX they filed the collection on my credit report. I immediately disputed it on XXXX 's site and when it appeared on my XXXX report a few days ago I disputed it thru XXXX. 

The same day I also left a review on the XXXX XXXX 's XXXX page about the situation. On XX/XX/XXXX, the apartment manager sent me a private message stating " Someone else was handling the accounts that had balances. I do believe I recall doing the roommate release. I will check on this and get back with you. '' I haven't heard from her again. 

Someone else contacted me about it, stating they too were in the exact same situation, having signed a roommate release and were being hit with a collection even greater than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Upgrade, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an Upgrade XXXX XXXX Rewards card. You are supposed to be able to pay off your balance due early. For the last two months when I click 'make a one-time payment ' it fails. I get the message " We were unable to schedule your payment. Please email us at XXXX. '' I emailed Upgrade and got an automated response acknowledging I emailed them. I then received an email from upgrade stating " Upgrade values your business and would like to hear from you. Wed appreciate your feedback on your recent experience with XXXX. '' I never spoke to a XXXX or received any other email. 

This company needs to be investigated. They are stealing customer 's money by causing balances to go higher than they should be due to their system blocking payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CMRE was notified by letter almost a dozen times to provide substantiation for an alleged debt by my attorney. They failed to do so, yet suddenly added negative information to my credit report. I have tried calling them to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ... the following account XXXX # XXXX has violated my rights ... .... 

-15USC 1681 Section 602A ... states I have the right to privacy.

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

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 2021-11-09
Company: Eastpoint Recovery Group, Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This lady XXXX XXXX has called numerous times not just me but my family members my brothers and my elderly father claiming that him and my mother are responsible for my debt if I don't pay now they're calling XXXX knows who else XXXX is claiming that she is a lawyer claiming that there will be criminal action against me if I don't pay a debt it's beyond ridiculous and it's very abusive

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian credit reporting agency is not doing a complete investigation into incorrect information on my credit report. I just received today an updated credit report from experian and the results of the investigation did not solve the problem. There is an account " XXXX XXXX  XXXX that was suppose to be deleted off my credit report '' I 've disputed this account with XXXX and the company responded to delete off my report I am uploading proof that this account was deleted from XXXX because the company responded to delete. Experian should have received the same response. I have been disputing this for over 6 months now and when I try to go online to dispute it again experian will not let me on to dispute this 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 2020-10-08
Company: SinglePoint GI
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Morning ; Hi, i actually just finished talking to XXXX at General Revenue Corporation, a debt collector for XXXX XXXX XXXX. They said that they no longer have the debt and they are in the process of removing them from my credit report. She said that by now their company GRC should've already been DELETED from my credit report. However, it's still reporting on my 2 major credit bureaus, XXXX  and XXXX. I been trying to resolve this unknown debt from my credit for over 6 months now, and no one has sent any responses. Finally, i got hold of them on the phone today and she said that she will escalate my complaints so it can be removed soon from my Credit report or profile. Can you please look into this? This process shouldn't take more than 30 days to resolve, but mine has taken more than 6 months and no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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:
In accordance with the Fair Credit Reporting Act and XXXX  XXXX XXXX XXXX  : XXXX has violated my rights, 15 USC 1681 section 602 A states I have the rights for privacy, 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/2020.

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 2020-12-21
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I tried on XX/XX/XXXX to send money from my bank account to a friends bank account in XXXX through Western Union. It was {$4000.00}. The money was taken from my account on XX/XX/XXXX, and I was told that it would be available to my friend by XX/XX/XXXX. When it did not arrive on that date I called and emailed Western Union. I was told that a trace would be put on the transaction and the money would arrive in two days. When it did not arrive I called and emailed again. I was told that the money would arrive in five days. When it did not arrive I requested that my money be returned to my bank account. It is now XX/XX/XXXX and the money neither arrived at my friends account nor was returned to me. Western Union is doing nothing but ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
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:
I made a payment of {$90.00} through Paypal to an online seller. But I did not receive service as described. I did not ask for a full refund, but the seller refused to partial refund. I opened a dispute on Paypal. But I accidentally closed the case and Paypal did not allow to reopen it. I lost {$90.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: WELLS FARGO & COMPANY
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 was opened in XXXX and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over XXXX XXXX XXXX. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after XXXX years.

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 2022-04-01
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 USC 1681 section 602 A states I have the rights for privacy, 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
Equifax was used by XXXX in XX/XX/ for a background check/credit check for a job I was applying for. The information that they provided was inaccurate and caused the only delay in my processing. I have disputed these items and Equifax has not properly investigated these errors as required by FCRA. The most recent dispute was verified as accurate on XX/XX/. As the documentation attached will show the disputes are based on information directly from their report but that can not be verified as accurate as I have outlined. Equifax is in violation of the following Reinserting or reporting a previously deleted item without notifying me in writing within 5 business days of the reinsertion ( XX/XX/ & XX/XX/ ) Reporting the status of an account as a charge off when it is paid in full ( XXXX /XX/XX/ ) Willfully and recklessly reporting false info after being notified of the error and failing to investigate or correct the error as stated in my previous complaint Equifax must open an independent investigation and reinvestigate these items as required by FCRA XXXX 
Equifaxs failure to comply will lead to additional complaints being filed with regulatory authorities and other legal options if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
my credit continues to be hit for no reason and I really don't know who is doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
my credit continues to be hit for no reason and I really don't know who is doing 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 2020-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Capital one has 3 hard inquiries on my credit report when advirrtisment said it would not count against credit it was a soft inquiry .They lied or were not truth ful

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
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:
I have tried several attempts to get this account deleted and removed from my credit report. On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I again was notified by XXXX XXXX and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over 60 days to verify this account. The first delinquency was XXXX XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
my credit continues to be hit for no reason and I really don't know who is doing 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 2019-10-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
1. I legally changed my name which was effective XX/XX/2019. I changed it from XXXX XXXX XXXX to XXXX XXXX XXXX 2. XX/XX/2019, my husband and I tried to apply for a mortgage, but there was a refusal on the behalf of Equifax because of the name change. 
3. I contacted them and they requested a copy of the legal order, new social security card, and driver 's license to be faxed to them. Since we do not have a fax machine, our mortgage officer faxed the documents to them on XX/XX/2019. 
4. These documents were obviously received because they started an action on their end is that they used my oldest daughter 's, XXXX XXXX, credit information and attempted to change her name to XXXX XXXX XXXX. Thankfully the only thing they changed was her address to my address. This disturbs me because at no time was XXXXXXXX XXXX social security number or information given to them and her credit file should never have been accessed or changed. 
5. I called them on the mistake and they are saying now that they never received the documents, which I told them was a lie because they initiated an erroneous action. My name has yet to be changed on my credit report and obviously, I am a little hesitant to fax them my social security card and driver 's license again because that is sensitive information that they mishandled everything and lost the first set it seems after they made the errors.

Company response to consumer: Closed with explanation