BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion is allowing creditors, who do not have any permissible purpose to report inquiries on my credir report. Transunion failed to protect my privacy and this has caused me all kinds of mental stress due to the fact that my reputation is being slandered. Since Transunion assumed a vital role in my life they have to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please restore my confidence. TransUnion received the letters i sent them to correct the issue on Friday XX/XX/ 2022 2022

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 2016-05-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Listed below under Equifax , highlighted there is XXXX account that is still being reported incorrectly as of XXXX XXXX 2016 by XXXX. I have disputed this and they have yet to resolve. 

Listed below under XXXX, the accounts that are highlighted have been removed by XXXX, and all of these accounts are being reported incorrectly as of XXXX XXXX 2016 by Equifax. I have repeatedly disputed this, and they have not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/XXXX, I have written a letter to Experian and Informed them that following items on my credit report are inaccurate and they should be remove ASAP. I never received any corresponding from the XXXX that they have initiated any inquiry. It has been 30 days since I sent them letter. Therefore, According to the XXXX FCRA the following unauthorized and unverified must be removed immediately, since they are stopping me to getting into a home. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. TX- 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 2015-04-07
Company: BlueChip Financial
State: CO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a payday loan from spotloan for 700 $ on XXXX. I received the money deposited into my account. I didnt keep the contract but I am pretty sure it was {$230.00} for six month. On the XX/XX/XXXX I made a XXXX dollar payment which was withdrawn from my checking account. I called late XXXX and said I cant make the XXXX payment. They said OK. They would add money on to my next XXXX payments and the payments would be XXXX. I got a letter as follows, which shows they are ok with payment plan. 

Hi XXXX, I just want to remind you that your Spotloan payment of {$300.00} is scheduled for Thursday, XXXX XXXX 2015. Please let me know right away if you have any questions. 

Spotfully, XXXXRelationship ManagerXXXXXXXXXXXX ext. XXXXIf you have any questions about your account, please email us at XXXXXXXXXXXX or call us at XXXX. If you would like to write us, you may contact us at : SpotloanXXXXXXXX XXXX, IL XXXX Spot loan withdrew money from my account on XXXX and XXXX for {$300.00}. On XXXX i received a letter from spot loan as follows. 
Dear XXXX, We are writing to let you know that Spotloan is no longer operating in the state of Colorado. As a result, your account and payment history have been transferred to XXXX XXXX. You will continue with the payment schedule you agreed to when you accepted a Spotloan, but moving forward you will be making payments to XXXX XXXX. 

If you have questions now or in the future, please reach out to XXXX XXXX at ( XXXX ) XXXX. 

Thank you for being a Spotloan customer. 

Sincerely, Spotloan Help TeamSo in XXXX XXXX financial tried to withdraw XXXX or something close to that and the funds were not available. I made a payment on XXXX for XXXX and XXXX for XXXX to make up for the XXXX to XXXX XXXX. I have not made a payment for XXXX and do not feel that I owe any more money. I was not give the opportunity to pay the loan off early after XXXX and easily paid XXXX the amount of money. XXXX XXXX claims that I owe an XXXX, XXXX and XXXX payment. I did contact both XXXX XXXX and spotloan which got me nowhere and was hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed with XXXX and Equifaxthat i have old accounts from that should have been dropped off and hasnt been dropped off Also i disputed an account from XXXX XXXX XXXX and XXXX that are not mine a mortgage/ car loan that are not old accounts past 7yrsThey deleted some of them and then reposted them. 

XXXX have been disputed also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CMRE Financial Services, 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:
CMRE XXXX XXXX  has reported debt from a hospital and the hospital has been paid from my insurance and removed the co-pay with the financial assistance program from XXXX until XXXX. I have disputed this numerous times they also use excessive reporting and I have been denied credit and loans due to this false reporting. I have contacted them several times and they have not resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sent to collections and received a letter about a past due amount with  XXXX   XXXX   XXXX   XXXX  out of  XXXX , IL. I sent proof to Collections Professionals that this debt was paid back in  XXXX  and was required to send them proof, which was faxed ov er. Collections Professionals, Inc (   XXXX  ) did nothing to verify that the debt was paid in full. I then received additional correspondence requesting the debt to be paid and had to call them a second time showing that the money was deposited from the insurance company into the Bank account of  XXXX . I believe it is a violation of  the Fair Debt and Collections Act no t to investigate and confirm the debt has been paid prior to repeatedly contacting me to pay the debt.

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 explanation
Consumer complaint received 2017-02-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My mother passed away. She had a checking account/business account for her class reunion expenditures. She is the only person listed on the account. I have submitted a death certificate, copy of the will to prove that I am executrix of her estate, and all requested documentation. I was allowed to close all accounts at Wells Fargo except for this XXXX account. Five years later, Wells Fargo has still denied me the right to close this account. I provided the documentation for the third time in five years and the account remains open. They mail me a statement every month. This is torture to know that I can not close the account and stop the mail that is addressed to my mother. I am disappointed in the number of times that I have submitted information to the bank to have them respond with the " account is under review ''. She had been dead for five years. She will forever be the only name on this account. I am eager for a resolution to this issue and for the statements to stop.

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 2022-04-08
Company: Everest Receivable Services Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an Email and then a phone call from Everest Receivable Services indicating that I owe {$890.00} for a XXXX XXXX XXXX account , an account I've never had, much less any bill in that amount. 

I know which credit cards I had and which bank account I had, neither of which belonged to the above-mentioned bank or credit card. 

At one point, I recall getting a notice regarding XXXX a few years ago. It was indicating I owed monies. I responded informing them it wasn't mine and to please stop contacting me. I also put this same response on my credit reports, as well. 

The notifications ended and thought it was done until this email this morning from ; Everest Receivable Services. 

I've had my identifying information stolen twice since I was XXXX and robbed. My youngest brother and I have almost identical social security numbers, our last number is just one digit off from each other. 

I thought I had taken care of this issue... This morning has proven not to be so. Sending an Email is definitely unacceptable communication! Other people can open or hack Email accounts!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Paypal Holdings, Inc
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
There seems to be an extraordinarily confusing relationship between three separate companies. They are PayPal, PayPal credit which was formerly Billmelater, and a third instrument which I now have which is Prepaid Paypal Mastercard. The point of primary confusion, I believe, is entirely intentional. As one jumps from webpage to webpage, sometimes the word " payment " is used in reference to what is owed to PayPal credit, and then immediately following payment refers to money being paid to the people from whom one is making a purchase. What happens, of course, is that the consumer assumes that a payment has been made to the store but in fact PayPal has withdrawn the money from the consumer 's own bank account and then after having left the consumer with a negative balance, pays the shop. The incredibly confusing website process shuttles between PayPal, PayPal credit, PayPal prepaid Mastercard, ahnd every other PayPal site, leaves one in tears.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Seterus, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My servicer of my mortgage is Seterus. As of XXXX XXXX, they paid the wrong hazard insurance co. XXXX XXXX, in the amount of {$1700.00}. I contacted XXXX XXXX of the error, and they sent me a check in that amount. I was told to send this check back to Seterus. from an agent from Seterus who told me to send this check to an address in XXXX Co. I was told later that was an incorrect address. I wrote on this check for Escrow Account only!!!!! since my escrow account had a minus amount at that time due to this payment to XXXX XXXX. Then this check was wrongfully put on my loan balance. I have continued to make calls to Seterus to try to get this issued resolved. They give me the run-around, like my XXXX payment was sent back to me, NOT!!!! and a reversal, was done NOT!!!!!, OR I would have to HAVE ANOTHER analysis of my ESCROW, which would also be delayed. Seterus owes me {$890.00}, out of the check I sent them, and they continue to raise my payment, they say because my escrow had a minus. Seterus has sent me a letter stating my loan payment had a balance of - {$1200.00}. THIS IS WRONG AGAIN. I TRIED TO AGAIN CALL, to resolve this mistake, nothing was done again.Then came a letter from them stating I did n't owe a payment until XXXX. WRONG again!!!!! What do you have to do to get a resolution from them? They say my payment this month for XXXX XXXX is {$670.00}, which was also paid for XXXX XXXX. for that amount. My payment should be {$600.00}. I have had numerous issues with Seterus since my loan was transferred from XXXX.The same problems exist always. I pray something will be resolved, my money returned, and my payments to return to the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I once had a XXXX XXXX Credit card Which I used very little. Suddenly in XX/XX/2018 the card increased to over {$70000.00} and I had not done it. It was interesting that the card limit was {$15000.00} but was well over that. I contacted the company which had been bought out by XXXX and they could or would not give me any explanation. The statement showed multiple payments on the card but then within about 5 days reversed the payment. I did not make the purchases and even IF I had what happened to the credit limit of {$15000.00}. 
WE have tried talking to the new owners of the account ( Midland Credit Management ) and again nothing we say seems to register with them. We sent them a letter disputing the whole thing and just now we received a notice that they are " uncertain of what we are specifically disputing ''. I thought our letter was very clear as to what! For one thing I didn't make the purchase, the second ; the banks that the payments were made from I do not know and have not had accounts there. The only way I can see it getting to the {$86000.00} they are claiming is if there has been fraud on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Auto Trakk, LLC
State: IN
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:
I have contacted Autotrakk ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Advertising and marketing

Complaint:
XX/XX/2016 I contacted Citi online customer service as my account had not been credited with the advertised signup bonus for a Citi Thank You Premier card that I signed up for. The online agent was able to satisfactorily resolve my issue after several emails back in forth through XX/XX/2016. I then called Citi customer service and spoke with an agent, who said although she could n't help me, she would document my request and elevate it. I then later received a letter that my request was too old. Can you please fix that for me? I received marketing materials from Citi advertising a signup bonus for this card, and I met all of the requirements. I am a long standing good customer of Citi. I do n't think it fair to deny the signup bonus because this is taking a while to resolve ( through no fault of my own. Thank you!

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 2022-03-15
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company XXXX XXXX XXXX is attempting to collect a debt in violation of consumer protection laws. As they have failed to contact me to dispute any such debt or have notified me of any such verification that any debt exists. On XX/XX/2021 a dispute through Experian # XXXX, this account was deleted. Please view the two different original lender amounts which have been reported in error. A verification for the original copy of a requested contract has never been forwarded. As there is no such contract. Please delete from all three credit reporting agencies.

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 2021-08-24
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sent dispute letter out and came back saying its verified but the debt was paid in full.

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 2022-07-13
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:
We went to the car dealership I said I want to apply for a car they say they was going to only due XXXX. I was shopping for a mortgage loan the lender said he wasnt going to pull my credit until I was ready now I have 14 hard enquired. 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 2022-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-03-15
Company: TD BANK US HOLDING COMPANY
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 received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with Nordstrom, and nothing has been done about this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX2022, I have written a letter TransUnion and Informed them that following items on my credit report are inaccurate and they should be remove ASAP. I never received any corresponding from the TransUnion that they have initiated any inquiry. It has been 30 days since I sent them letter. Therefore, According to the XXXX FCRA the following unauthorized and unverified items must be removed immediately, since they are stopping me to getting into a home. 

1. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. TX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. TX- 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