BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
XXXX XXXX Date of inquiry 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 explanation
Consumer complaint received 2017-12-30
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:
I sent the credit reporting agencies EQUIFAX and XXXX as well the COLLECTION AGENCY XXXX XXXX XXXX XXXX, and the alleged creditor XXXX XXXX XXXX  certified documents in refrence to an alleged debt, stating per federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standardsof practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim. per law any defiient of substantial and evident matters of facts would be unethically reported and  even illegally reported. My state and federal laws alike agree that neither willful nor ignorant disregard is acceptable so I demand here today RIGHT NOW, that the allegatuions in challenge be eradicated in full or else wise demostrated in its entirely to be compliant in every aspects of its reporting. to retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The curentlyunfounded and even not certified true or correct misinformation of such is misreporting is as follows and must be deleted immediately so please do so with delay.Alleged Reporting data Provider, Collection Agency: XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXXNot Proven Compliant Account: XXXX** THE ORIGINAL CREDITOR XXXX XXXX HAS NOT  RESPONDED TO MY REQUEST,AND XXXX XXXX XXXX FAILED TO MEET MY REQUEST. (PLEASE SEE ATTACHMENTS) ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: VA
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:
This is about credit reporting itself. 
I object to the credit inquiries factor on my credit report in the modern era. Times have changed. 

Lowering my score because I go shopping is extortion and collusion, clearly. The more I shop the deeper the damage. 

Rates fluctuate, and what rate I received today may no longer be valid a year from now. If rates drop, I should be able to go shopping again. If I go shopping on a regular basis, I then get dinged in my score, which lowers the score, raising the interest rate I can receive. 

It is no ones business but our own, if we want to go window shopping for a better product. Applying and acceptance and/or rejection does not impose a risque to lenders. It doesn't mean anything. I just went shopping. 

The public is being extorted, as the rating agencies collude with lenders in providing this information to them, while lower our rating. 

I didn't see any rating agencies lower bond scores prior to the housing crisis, when they were clearly junk bonds. That's more evidence of collusion Submitting an application and accepting terms of a loan are two different things. 

I want the best rate possible at all times. If there is a rate drop, I should be able to change loan providers, without that impacting my score. 

The system is rigged. 

We're essentially punished for 2 years when we go shopping. 

The American public is being extorted in a massive collusion with lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: MIB Group, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Mib inc is reporting inaccurate information regarding my medical records I asked too opt out of there company they refuse too help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I sold our home had a buyer Citimorgage could not get the amt of pay off correct I got an extension from my buyer they still could not come up with the correct amt even after I sent them copies of there paperwork, I was in chapter XXXX I went to the trustee and he release the house for me to sell in again then Citi sep in and foreclosed, i got an attorney to ask for them to give me 90 days to resell the house my broker sold it the first time in less than 20 showing and we had people still interested they said no and that was as far as I could get because I ran out of money for an attorney.went to court had n agreement which they have not kept and I have to be out XXXX XXXX my husband is XXXX and I am over XXXX I do n't know wwhat else to do then at the foreclose sales the number they had was different than they gave me and sold it for more.

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 2022-02-14
Company: WELLS FARGO & COMPANY
State: PA
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:
It has come to my attention that Wells Fargo service has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Wells Fargo Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that Wells Fargo takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

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 2019-05-27
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a complaint/claim with PayPal ( Case Id : PP XXXX ) on XX/XX/2018. The PayPal unauthorizedly pulled out a total of USD XXXX from my bank account ( XXXX XXXX Checking account ). The five unauthorized transactions happened between XX/XX/2018 and XX/XX/2018 ). Since my first complaint, I have spent many hours of phone conversations with the Paypal to resolve the issue by getting the refund the balance of USD XXXX. The Paypal did their own investigation and admitted that the transactions were frauds and identified the party in this regard. And, they agreed to refund me all the 5 transactions. 
Unfortunately, PayPal has not refunded my {$740.00} yet as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans  giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.

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 2022-02-14
Company: U.S. BANCORP
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have a car financed through US Bank that has been deemed a total loss. US Bank provided my insurance company with a payout amount almost {$9000.00} more than what I currently owe on the loan. When I called customer service to confirm the payout amount that was provided to my insurance company and to determine why the amount was so significantly different they stated that since it is a total loss they will only discuss my payoff amount with my insurance company.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
XXXX C Date of inquiry 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 2017-09-08
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXXX XXXXXXXXXXXXX XXXXXXXXXXXX/XX/XXX/span> I get a notice from XXXX with XXXX. The notice said there was a change to my credit. I logged in and checked my credit. There was a collection account with Midwest Recovery Systems from XXXX XXXX MO.,  Listing a debt of $XXXX. I have no idea what this is other than I know it's not mine!  I looked them up and they have been reported numerous times to the BBB for false collections,  such as this.  I called XXXX and and emailed them.  I also submitted my complaint online to dispute it.  I've been through enough with their data breach and there must be something done to keep these false reports added to consumer credit reports as easily as they are!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions 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:
I have called all   XXXX   credit bureaus (   XXXX  , Experian,  XXXX  ) a total of  XXXX  times,   XX/XX/XXXX    ,   XX/XX/XXXX    ,  XX/XX/XXXX    ,   XX/XX/XXXX    , XX/XX/XXXX , XX/XX/XXXX   ,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    . I called to inform them that my reports show  2  bankruptcy filings that do not belong to me that was supposedly filed on my behalf in  XXXX   XXXX , NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the Bureaus to verify such a record exist. I noticed as of today XX/XX/XXXX yet another Bankruptcy has appeared on my credit report. I work in consumer finance and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all  XXXX  bureaus and they have done nothing at all.

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 2022-02-14
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: Investigation took more than 30 days

Complaint:
I purchased my vehicle a XXXX XXXX XXXX back in XXXX. While at the dealership the agent told me he would get set up on auto-pay as it was the easiest payment system they had. After signing some documents I went on with my day. However, a couple of months goes by and I get a call from XXXX XXXX saying I missed a payment by XXXX days. I was confused because I remembered setting up automatic payments to my account. After speaking with the agent about my problem he went on to set me up for automatic payments once again. I had hoped this time I would be working. However, it wasn't the case. I got another call in XXXX about my missed payment. I called them and explained the situation. Due to the lack of execution from the dealership and the bank company my credit had dropped XXXX points which took me years to build. I called wells XXXX and they apologized and admitted their side of the mistake and told me to contact the credit bureau in order to fix my credit. I called and spoke with a credit bureau and sent in a dispute. However, when the dispute was returned on XX/XX/XXXX nothing was fixed. My credit was still heavily impacted and my missed payment was still on the record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
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:
I have called all  XXXX  credit bureaus  (   XXXX ,  XXXX , Equifax ) a total of  10  times,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    , XX/XX/XXXX   ,  XXXX ,   XX/XX/XXXX    , XX/XX/XXXX   ,  XXXX / XXXX /  XXXX  ,   XX/XX/XXXX    ,  XX/XX/XXXX    . I called to inform them that my reports show  2  bankruptcy filings that do not belong to me that was supposedly filed on my behalf in  XXXX   XXXX , NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the  Bureaus  to verify such a record exist. I noticed as of today  XX/XX/XXXX  yet another Bankruptcy has appeared on my credit report. I work in consumer finance and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all  XXXX  bureaus and they have done nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: SC
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 do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo Dealer Services File XXXX  XXXX Reported on XX/XX/XXXX This was my car loan for a XXXX XXXX. This loan was paid in full completely in XXXX. They actually mailed me a title and nobody does that unless the loan is paid in full. I do not have this car any longer -- so I could not have transferred the title unless they mailed me one. I have spoken to them directly. Car loan was paid in full. Ask them why did they mail a clear title if car was not paid in full. I do not owe them anything. This credit has been paid in full by myself the consumer. I have no knowledge where they feel debt is not paid. I just know they started calling me asking me for this money. 

Thank you. 

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 2020-02-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called this company numerous times in the last 2 years. I contacted the hospital they claim to represent, and the hospital stated that I have no debts to them at all, and any bills I had were paid in full and closed. I NEVER ONCE received any information from this company about this so-called debt, or I would have disputed years ago, back 6 or 7 years ago, they claim this first occurred. I only found out about this because my credit score went down, and I was shocked to see this on my report. Every other agency ( XXXX and XXXX ) have recently removed this debt, not only because it was not mine, it was also permanently removed because from what I was advised of because it " aged off '' so I am no longer legally tied to it, is what XXXX  and XXXX representatives explained to me. they stated that all other agencies should have it removed as well. When I advised the company of this nothing has been resolved, and they keep putting this closed acct on my credit report, which legally should have never been put on my report in the first place. I have gone to the police department to file a fraud report as recommended by TransUnion to go along with my dispute. I just want this company to remove this off of ALL MY CREDIT BUREAU REPORTS and leave me alone. And stop trying to illegally get money on something that has nothing to do with me at all. I pay all my bills, all bills with hospitals I had to attend have been closed and paid off for years. I am beyond sick of this with this company. Their attempts of bullying and threatening me to paying a debt that is not mine is illegal. They have tried threatening me with continuing to ruin my credit by refusing to remove their information even though I advised them it is not accurate, the agent claimed she could have a " deadbeat like me arrested '' if you look at my credit report ALL MY BILLS ARE PAID ON TIME, I NEVER MISS A PAYMENT!!! She claims if I just gave the money, they would go away. This is illegal, I want them removed from my credit report IMMEDIATLEY!!

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