BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: OH
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:
Notice of default and opportunity to cure. 
Official statement from XXXX XXXX XXXX to XXXX XXXX and Experian credit services This is a follow up and legal document in pursuit of lawsuit versus XXXX XXXX and Experian credit services. 
All companies were notified in the month of XXXX XXXX XXXX XXXX XXXX and XXXX Of fraudulent accounts reporting on the credit profile for XXXX XXXX XXXX. The following account XXXXXXXX XXXX late payment, tally XXXX and XXXX XXXX was all fraudulent reported as of today, the only company that has removed some of the accounts is XXXX XXXX, they have removed all accounts except for XXXXXXXX and XXXX. 
XXXX and Experian have refused to remove all fraudulent accounts. 
The consumer XXXX XXXX XXXX has been forced to move Forward with legal action this is a notice for evidence and an opportunity to cure. 
All agencies and companies have 14 days to remove the fraudulent accounts from the credit profile of XXXX XXXX, XXXX or comply with legal action. 
Please be aware that All credit agencies Has failed to properly respond to previous legal notice and it's officially in commercial default. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh 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 2022-12-01
Company: WorldRemit Corp.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I made an international transfer ( {$91.00} ) to someone in XXXX XXXX using WorldRemit. When the processing took awhile to go through, I made the same transfer again ( {$91.00} ). After awhile, I canceled both transactions since the recipient had not received the money and I found an alternative route for sending the money. I then requested for a refund for both transfers. I have not received the refunds back although WorldRemit receipts show that I cancelled and would receive refund within 7 days. I have tried numerous times to contact WorldRemit but their direct number does not work, and they don't have any email address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I was deceived into credit card charges of {$26.00} ea. month when I thought it was for {$1.00} for a credit report from experian. I 've tried, for well over a year, to get experian to stop charging my credit card. I 've called, more times than I can count, reported this to my credit card company and even cancelled the card ( twice ) and requested a newly assigned account number. Somehow, experian still charges the card ... every month. When I call them, they tell me different stories. They hang up after long hold times, say they 're going to cancel the charges and do n't do it or they might say they ca n't find the account and it goes round and round ... wasting my valuable time and money. They will not stop charging the card! I do n't know what to do and then I wondered how many others have had this same problem. So, I searched and found many others! I 'm thinking I need an attorney but this is ridiculous ... right? I found there are class action suits and experien needs to be listed. I left a message with XXXX. I 'm going to try to find one or create a suit to get money for all my wasted time or months I could n't call and they charged me. It takes time ( I do n't have ) on the months, when I call my credit card company, for me to continually request they take the charges off. But they keep telling me to call and stop the charges through experian. I 've spent hours and hours on the phone. XXXX XXXX does n't seem to be able to block them from charging each month. It 's like I 'm caught in some twisted twilight zone  episode of the ruthless, greedy and relentless stalking company ... '' experian! '' I 'm so tired or taking to representatives, supervisors etc ... who do nothing to stop these charges. Please help me. Something needs to be done to stop this.

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 monetary relief
Consumer complaint received 2023-11-30
Company: Kopp Collection Service, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
requesting a balance due of {$110.00} on behalf of XXXX XXXX XXXX XXXX XXXX that is not due

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-08
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:
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I urge you to thoroughly investigate this matter and verify the accuracy of the repossession entry. If it is found to be erroneous, I request that you take the necessary steps to remove it from my credit report. 

I understand that the FCRA requires you to investigate and respond to disputes within 30 days from the date of receipt of this letter.

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 2022-09-21
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
PayPal erroneously changed my personal account to Business in XX/XX/2022 and proceeded to charge me transactions fees for " Goods/Services '' despite the transactions being between " Friends and Family ''. I approached them twice and they give XXXX  reasons that they can't refund fees that their system created. Its about a {$100.00} which is a lot to me ... See the history of transactions and the online chat I had with them for the 2nd time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
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:
I noticed unauthorized inquires on my credit report from TransUnion and wrote several letters to dispute the unauthorized inquires being reported by this company. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Each the above inquires were not authorized by me and I do not recognize them. This is causing a negative impact on 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 non-monetary relief
Consumer complaint received 2022-07-01
Company: Grain Technology, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Currently, I am locked out from accessing my account. The way this credit product works, everything needs to be accessed from their app. Right now it's asking me to verify my phone number via text message code but it has an old number on file and I'm unable to continue. I can not do anything with the product and do not want to have the account go late, nor do I want payments to process without any knowledge of what's happening to my account. Attached is a screenshot from the app. 

Background info : I changed bank accounts and the app/product requires your active checking account to be linked for any features, including use and payments, to be made available. It took several months before Grain unlocked my account so I could change the bank account and subsequently have my credit file updated to remove late payments ( which I sincerely appreciate ) due to the support issues. After I updated my bank account, I was able to make a payment to bring the account current and Grain began making their automatic withdrawals. Sometime later, the app again locked me out, prompting the phone number verification. I have submitted several help tickets without reply and responded to old support ticket emails directly back to people who have assisted/replied before and did not receive a response. I have called and set on hold for excessively long times before I had to hang up. I work nights so I only have a short time in the morning to make calls once businesses open before I must go to sleep. I have provided Grain with confirmation of my old phone number and confirmation of my new phone number more than once within the multiple communications I've sent to the company. I've moved my cash over to savings to prevent an unknown withdrawal from processing by Grain until I'm able to access my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: TX
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:
After becoming aware of multiple accounts in bad standing attached to my credit report that were not mine I sent letters to each of the credit bureaus disputing ownership. I spent some time familiarizing myself with the protections afforded to me under FCRA law, that a company can not report an unverified account. In order to verify an account, substantial documentation containing my signature, acceptance and agreement to pay said account must be provided. Additionally, an updated physical credit report as well as the verification documents must be sent to me as a response to any mailed in dispute within 30 days of receipt. I sent my first round of letters in XXXX of XXXX to which I received no written response in 30 days, but rather emails saying the accounts have been verified. I sent another round of letters in XXXX of XXXX at which point no investigation took place because " the accounts had been verified. '' Just today I have mailed my XXXX set of letters disputing these accounts to which I've received XXXX proof or verification. XXXX, Equifax and XXXX have all failed me in the process uphold their responsibility under FCRA law. They have failed to upkeep integrity in their reporting and are willfully causing extensive damage to my creditworthiness and history by their actions. I have never missed a payment in my life, I've worked extremely hard for what I have and the willful and intentional harm done is making it difficult for me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2022-07-01
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
As dated XX/XX/2022, Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Consumer, am aware that according to Federal Law 15 U.S. Code 1605 ( a ) 15 U.S. Code 1605 - Determination of finance charge - That the Finance Charge is a sum of ALL CHARGES.

Im aware that Truth In Lending Act makes it VERY CLEAR that The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 
So, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im aware according to our agreement that you signed XXXX XXXX XXXX XXXX, that the finance charge to me XXXX XXXX XXXX ) is {$20000.00} and if the finance charge is a sum of all charges, payable directly or indirectly can you please explain in the words of XXXX XXXX XXXX XXXX how is possible for me to be ever be Late on any payments? And why are not all my payments being furnished as On Time on my Consumer Report. 

Thanks in advance for your timely response, Respectfully, XXXX XXXX, Federally Protected Consumer.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im not sure how the credit bureaus did their verification method and investigation process but I strongly believe that they have furnished these accounts under a wrong credit report. 

XXXX XXXX - Account # : XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : 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 2022-08-22
Company: EQUIFAX, 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:
I previously submitted a report ( XXXX ) to Equifax Information Services regarding unauthorized accounts being furnished to my consumer report. Under 15 USC 1681c-2 ( a ) Equifax was required to block and delete information related to these accounts " ... not later than four business days after the date of receipt by such agency of- ''. 

I received an email from CFPB on XX/XX/2022 at XXXX ( XXXX ) stating it had sent Equifax my complaint for a response. I provided the required documents, pursuant to 15 USC 1681c-2 ( 1 ) ( 2 ) ( 3 ) and ( 4 ) and they have not yet removed these items from my consumer report. Today is day 6 ( business day ). This is a violation of my rights as a consumer under Federal law 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over a year ago I requested a removal of PMI it had been 2 years since I had started mortgage. They said home did not meet the amount needed to do so. That was false. So I waited a year and on their site the house evaluation showed a increase from $ XXXX to $ XXXX which was a little low but good enough when my balance was only $ XXXX. So I request removal of PMI again. They told me my payments needed to be verified and my Credit again I said ok. My credit is perfect with a score of 780- to 800 from all 3 Credit Bureaus XXXX Then they stalled again. I got a letter saying my house did not meet the financial requirements which was over a 100 % to value. They then said I needed a bop or an appraisal I said I would prefer and Appraisal do not do a BOP. 2 weeks later I got an email saying a BOP would be cheaper. I said no I already told you a Appraisal. I asked how much. The rep told me {$350.00} I said ok take that payment. I was put on hold then she came back and told me {$420.00} I said oh well Ok They took the payment for {$420.00} on XX/XX/XXXX XXXX then 2 weeks went by. Then in e mail I was told It would be {$600.00}. then another week went by and now I am being told an additional {$170.00}. I have this all on my emails and the payment taken on XX/XX/2022 from my bank. This is a 2 year run around and stall to remove something that qualified from the very first request. This mortgage company is trying to take advantage of me and my Family. Loancare servicing LLC

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 2022-06-08
Company: Blackrock Mitigation Group LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Black rock Legal Group sent a letter saying I defaulted on a payday loan ... .threatening legal action, law suit in civil court, reporting to the credit bureaus and " will be aggressively enforced '' wage garnishment, lein against personal property, will contact my family members, say I committed fraud. I do not know what they are talking about. Giving me 7 days to pay {$2200.00} I have no idea what this is.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
As dated XX/XX/2022, Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Consumer, am aware that according to Federal Law 15 U.S. Code 1605 ( a ) 15 U.S. Code 1605 - Determination of finance charge - That the Finance Charge is a sum of ALL CHARGES.

Im aware that Truth In Lending Act makes it VERY CLEAR that The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 
So, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im aware according to our agreement that you signed XXXX XXXX XXXX XXXX, that the finance charge to me XXXX XXXX XXXX ) is {$20000.00} and if XXXX XXXX charge is a sum of all charges, payable directly or indirectly can you please explain in the words of XXXX XXXX XXXX XXXX how is possible for me to be ever be Late on any payments? And why are not all my payments being furnished as On Time on my Consumer Report. 

Thanks in advance for your timely response, Respectfully, XXXX XXXX, Federally Protected Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
As dated XX/XX/2022, Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Consumer, am aware that according to Federal Law 15 U.S. Code 1605 ( a ) 15 U.S. Code 1605 - Determination of finance charge - That the Finance Charge is a sum of ALL CHARGES.

Im aware that Truth In Lending Act makes it VERY CLEAR that The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 
So, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im aware according to our agreement that you signed XXXX XXXX XXXX XXXX, that the finance charge to me XXXX XXXX XXXX ) is {$20000.00} and if the finance charge is a sum of all charges, payable directly or indirectly can you please explain in the words of XXXX XXXX XXXX XXXX how is possible for me to be ever be Late on any payments? And why are not all my payments being furnished as On Time on my Consumer Report. 

Thanks in advance for your timely response, Respectfully, XXXX XXXX, Federally Protected Consumer.

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