BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 2016-08-26
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I took out an installment loan with cashland a subsidiary of cash america. I took out the loan for {$600.00} and by the time you add in their fees I will end up paying {$1500.00} because the finance charge was {$940.00} so close to triple the amount they gave me. They also did not give me any of the paperwork for the loan including the ach withdrawal authorization form. Only paper they gave me was payment schedule and amount they had financed. I think that is outrageous and shady business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: IL
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX 1. XXXX XXXX XXXX Balance : {$0.00} 2. XXXX XXXXXXXX XXXX XXXX Balance : {$9300.00} XXXX : 1. XXXX XXXXXXXX XXXX  XXXX Balance : {$9300.00}

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 2017-05-24
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On    XXXX   XXXX   XXXX   this company received a letter requesting validation where I asked themn either provide me with proof of m y liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDC PA Sec 809

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 2016-02-05
Company: SECURITY FINANCE CORP
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX of XXXX, I filed chapter XXXX Bankruptcy. In the XXXX XXXX ... I notified all my creditors, including SECURITY FINANACE ... .located in XXXX , GA. But for some reason they continue to call me and harass me, not only on my account. But XXXX others accounts of individuals .... who I had referred to this institution .... Things had gotten so bad that I had to file a complaint against the branch manager of this location .... ON Tuesday XXXX XXXX, XXXX, cause she ( Branch Mgr ) had called me on Monday the XXXX of XXXX .... Demanding that I come into her office and make a payment on someone else 's account ... .. I only know her by the name of XXXX, but her illegally debt collecting practicing have reach its limitation with me .... The individual, few months ago, gave me copy of another individual credit report that she had ran ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a subscription to XXXX and used Paypal for the subscription. When I subscribed there was apparently an ANNUAL charge that I authorized and did not know it. I originally subscribed for 6 months at {$19.00} per month. The renewal happened automatcially on XX/XX/XXXX at the rate of $ XXXX and charged me a one time charge of {$650.00} on that date. I was not aware of the charge and did not catch it at the time. I cancelled my account with XXXX in XX/XX/XXXX. 

On XX/XX/XXXX ( this year ), I received a notice from Paypal that I had authorized {$650.00} to eharmony. I immediately contacted Paypal and found that I could cut off the preauthorization directly with them, which I did. However, Paypal says the notice was that it was " paid '' not a notice that I could cancel. So, I have an appeal right now with Paypal over this charge. 

I contacted XXXX, also on XX/XX/XXXX to dispute the charge, and the response was that they could not find my account. XXXX has no portal for communication to them on their website. It's all through third party email, which may or may not go through. XXXX did not give me any notice of the charge on XX/XX/XXXX, nor for the charge on XX/XX/XXXX. I have paid {$650.00} both years. I have not authorized either charge. I have received no service for either charge. I realize that I should have disputed last year 's charge, but I didn't catch it. I caught this year 's charge on the day I got the email from Paypal. 

Paypal initially refunded the money, then they changed it and said they will not refund the money, but that I can appeal. I have appealed and am awaiting their decision. 

XXXX does not acknowledge my account. They have received payment they charged off as annual, so that there's less opportunity for me to see it. A monthly recurring charge would be more visible in the account. Further, I never signed up for a annual subscription. I signed up for 6 month subscription at {$19.00} per month. XXXX gave no notice that they were charging me, and there's activity on that account I closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX XXXX I begin My Modification process with my servicer Carrington Mortgage, after I send the Modification packet the send missing items letter I send the items then the asks for my wife proof of occupancy and letter from my wife then they request proof of occupancy again I send tax returns then they send another missing items letter requesting proof of occupancy this time copy of her driver license, copy of her bank statements and copy of CT vehicle tax bill now today XXXX/XXXX/XXXX 7 months later they send they call me and tell me they need more proof of occupancy. I am sick with XXXX and this situation is getting me more sick I do n't want to loose my house and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EQUIFAX is the only reporting agency that has not corrected the inaccurate balance on my XXXXXXXX XXXX XXXX personal line of credit. I called in on XX/XX/2022 and the representative hung the phone up on me when I requested to speak to a supervisor. They have failed to respond in a timely manner to my initial complaint XXXX. Ive provided all necessary documentation via fax and through the CFPB portal and EQUIFAX still refuses to do their job. XXXX and XXXX have already made the corrections. Why has EQUIFAX not corrected my consumer file?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Strategic Alliances, Inc.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have contacted the credit bureaus XXXX and Transunion about inquiries that were not authorized by me and asked to verify them in writing in which they did not and they are still present on my report. Also my credit report has n't been updating properly through the XXXX XXXX website for approximately 2weeks now.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to dispute the following accounts and inquires. I did not owe this debt and it does not belong to me. I never established these. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please also remove these inquires and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a letter on XX/XX/2022, to remove these accounts that are inaccurate. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX & XXXX XXXXBalance XXXX {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK ) XXXXBalance : {$790.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXXBalance : {$1400.00} XXXX XXXX XXXX****Balance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$2600.00} XXXXXXXX XXXX : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00} ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$330.00}

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 2017-07-28
Company: Lendmark Financial Services
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent request and request, request for validation and verification of this alleged debt being reported on my credit file. This is NOT my debt and i am a victim of ID Theft. This company will not response to my request but continue to contact me to make payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had automatic bill pay and payments were accepted for the ( 60 ) day grace period but then after the grace period ended, the payments were no longer being accepted. I never received any correspondence alerting me about these changes. Once I saw the money was still credited to my account I realized what was happening. Upon further investigation I found out the account was sold to XXXX. I immediately contacted XXXX and made the ( 2 ) payments required to get the account back to current. XXXX was also going to defer the ( 2 ) payments so I would be caught up and also they told me they would waive the late fees because of the automatic payment confusion. However, they are still reporting rolling ( 30 ) day lates. I have attached a copy of the XXXX XXXX XXXX payment history for reference. This inaccurate reporting of lates is seriously harming my credit score and these line items need to updated to report NO late payments and report a current status. I have contacted the bureaus and XXXX to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XXXX XXXX, XXXX and XXXX XXXX, XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me an viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.

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 2022-09-06
Company: EQUIFAX, INC.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$850.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Comenity Bank sets consumers up. 

The company 's agent told me in the past that they already set up automatic payment for me in their system with my debit card. But they did not. 

So this time, when I traveled internationally to a country, where the internet is of limited access, to handle a family health emergency in early XXXX, I was completely ruined by this vicious company. 

To begin with, I was not informed of the card balance, which was only {$30.00}. This balance is completely within my payment ability. As long as they reached out and let me know, I could have made the payment right away. 

Instead, this company intentionally kept me unaware of this balance while I was out of the country for over a month. This resulted in me paying {$66.00} of late fee and penalty charges. Moreover, this resulted in a significant hit on my credit, which is completely unacceptable. 

When I reached out to the company in XXXX when I came back to the country, the company 's agent told me that they are going to charge me late fee no matter what - since this is the way they run their business. They told me that they are not going to include this incident in my credit report - my credit will not be negatively influenced, as I was traveling out of the country. 

However, two months later, my credit was still hit by this. Comenity did not deliver their promises. When I confronted them about this, they now say that they can't do anything about it and I can only report to CFPB. 

This company is really dishonest in the way they conduct business and should be shut down. 

As such, as an innocent and uneducated American consumer, I ask for CFPB 's look into this case and help me fix the credit issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Key Bank called my cell phone on Friday, XXXX XXXX asking to speak to someone other than myself. When I informed them that they had the wrong number the caller became irate and accused me of lying about the fact that they had indeed called the wrong number. I believe that Key Bank is also responsible for a call I received XXXX weeks ago from an attorney 's office looking to collect a debt. They left a message and when I called them back they told me they had no information to give me as to why they called but wanted me to volunteer my name which I refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had joint checking account with my mother, which we closed in person at the branch early   XX/XX/XXXX  . Currently we have received bill from the bank  (    XX/XX/XXXX -  a year later!!! ) with  XXXX  balance charge which was triggered in   XX/XX/XXXX   by charging our assumingly closed account {$5.00} dormant fee and creating fake interest of {$1.00}. By phoning in this complaint in, I was told they can not waive this dormant fee charge, because there is balance on this line of credit attached to this checking account. They created this mess on their end by not closing this account, despite my and my moms request and created these charges for themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-06
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
We received solicitation from our mortgage lender Impac to contact them regarding extending our loan modification We called were sent an application and submitted all requested documents. We then received a letter stating that the Loan Modification had been approved on XXXX XXXX, 2015. We signed the letter agreeing to the terms and were told the documents would be delivered within 1-3 weeks. We called Impac and emailed several times as documents were never received. We were told that there was a back log at the servicer XXXX and to wait. We were then called and advised that XXXX was caught up and wait. Then we were told that in order to get the documents we had to apply on the XXXX web site and to submit the approval with the documents and they would push the file through based on the approval. We did as instructed with XXXX who kept asking for the same documents over and over stalling the process and submitting the file under programs we never requested. We attempted to reach Impac several times with no return calls. Impac then stated that the approval was not an approval it was a proposal even though the document does not have that listed anywhere it clearly states " Approval '' Impac is doing a bait and switch here. Also XXXX then suggested we do a short sale which we have found is a clear violation of the Home loan Bill of Rights as a short sale can not be suggested after an loan approval has been granted. To date we have no loan documents for the approval of our loan modification. The approval will be attached.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief