BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency trans union they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: Experian Information Solutions 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 mailed 7 validation letters to experian in regard to this matter. I never received a response. On XX/XX/2021 I submit a complain via CFPB in regards to the matter. Experian responded that they would investigate and they closed the CFPB complaint. They did open a investigation and responded The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Experian did not provide any documentation of validation. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I would like to know the following : 1. The first and last name of the representative you spoke to regarding these accounts 2. The time and date you spoke to this entity 3. Did this representative verify my full name, social security number, current address and date of birth correctly?

4. Did they provide you with my original contract with my original signature on it? If so, why havent you sent this information to me?

Below is the item that have not been properly verified & that you continue to report illegally. 
Account XXXX : XXXX XXXX XXXX Account 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 2021-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Date of Birth : XX/XX/1982 Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Paypal Holdings, Inc
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
PayPal limited my account. They claimed I 'violated their user agreement ' -- but would not tell me how I did so. I 'm not aware of any violation. I have {$600.00} in the account and PayPal will not release it for XXXX days -- saying that they need to hold on to the money in case of 'charge backs '. But I have no pending transactions and I 've not sold anything using PayPal for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX reporting to alXXXX XXXX bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative

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 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX reporting to all three bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative

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 2022-05-05
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2021 an unverifiable account was removed from my XXXX credit report due to XXXX not being able to verify or validate the account. I sent XXXX and Experian a copy of the report showing XXXX deleted the account and XXXX and Experian says the account will remain without sending me the proper documentation as to why they are not following suit. The account should be deleted, it does not belong on my reports.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: AES/PHEAA
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: Was not notified of investigation status or results

Complaint:
i submitted a fax request for a good will removal of late payments on XX/XX/2022. 

i submitted with my documentation that i was in the middle of an XXXX  relationship and i provided court papers to prove this. no one ever reached back from this company with results. 

this was sent to the fax number listed on their credit dispute XXXX. 

no one ever contacted me back. i am requesting these late payments be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems Inc is harassing me over a collection that is not my debt. It was sent to them by XXXX XXXX who billed me for toll charges ( {$19.00} ) plus {$100.00} fine for being late. It is for a car that is NOT mine and i have no idea who's car went through this toll and didn't pay. The license plate is not mine and not registered to my name. I have called XXXX and they said they'd 'throw it away '. But yet they keep telling collections to keep contacting even though i disputed with them. Attached is collection notice, please tell them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: MD
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call from XXXX XXXX XXXX stating that I owed a debit. I requested they send a debt validation letter on numerous occassions. I was told they could not send another letter out because one had previously sent one and were only required to send one. I stated they were using an incorrect address, and I would need to have the letter sent before agreeing to pay for anything. I gave them my updated address and explained that I had not lived at the previous address in YEARS. We didn't even live at that address when the supposed debt incurred. No such letter ever came, and I disputed it on my credit in XX/XX/2020. It was removed from my credit, however I am now being sued by this company even though they have never validated the debt. There also seems to be a payment made on the account on XX/XX/2020, which is invalid as I have never accepted this debt nor made payments because I never received the correct validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: PA
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 found a collection are fraudulent account this is a identity theft

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 2021-11-23
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: Investigation took more than 30 days

Complaint:
I have been disputing inaccuracies on my XXXX report and Transunion. Regarding XXXX financial. when finding all the errors regarding the account. my dispute results say updated. I have been trying for almost XXXX years now for them to fic theses errors. i wrote them a letter regarding factual inaccuracies and inconsistencies and how they must be removed and I keep getting a letter back in a wee or so stating account was updated. This is not correct. I dont know what else to do and was told to contact you and issue a complaint. on my XXXX reports, this same account is reporting different open dates, repo dates, balances, etc. I have my disputes to prove this. This has caused issues with employment and getting credit. They must remove inaccurate reporting per the law and i have been trying to get this fixed for sometime now but they seem to do what they want. its not fair they are breaking the law.

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid off my credit card balance online XX/XX/XXXX and received a confirmation of the transaction. The card is with XXXX XXXX XXXX Bank. I then clicked the button to close the account. Today, the day the payment should have been removed from my account at XXXX XXXX XXXX XXXX, there is no transaction showing and when I go online to the Capital OnXXXX site it tells me my account balance is the same and I can only pay XXXX percent of the balance at a time while they will charge me interest. They have already applied an interest charge as of XX/XX/XXXX of XXXX. I called their customer service line and they tell me there is nothing they can do and I have to call back tomorrow. I asked for a supervisor to override the system and the representative said there was no one available. This is usury. There is nothing to my knowledge in the contract that says I can't pay the balance on line and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been disputing inaccuracies on my Experian report and XXXX. Regarding XXXX financial. when finding all the errors regarding the account. my dispute results say updated. I have been trying for almost XXXX years now for them to fic theses errors. i wrote them a letter regarding factual inaccuracies and inconsistencies and how they must be removed and I keep getting a letter back in a wee or so stating account was updated. This is not correct. I dont know what else to do and was told to contact you and issue a complaint. on my XXXX reports, this same account is reporting different open dates, repo dates, balances, etc. I have my disputes to prove this. This has caused issues with employment and getting credit. They must remove inaccurate reporting per the law and i have been trying to get this fixed for sometime now but they seem to do what they want. its not fair they are breaking the law.

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 2015-09-06
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
the pay day loan name cash net usa XXXX XXXX XXXX and I have a loan through them they took the money from me from the same account and this month they sent it back and it was return to my bank that they have my account number this cash net usa and me and my bank do n't know why they return it when it belongs to them they know they have to take it out of the saving account cause I am a scam victum which people got a hold of my account and took money out of there without my permission..they ask u for your last SSN and I tell them XXXX and if u could help me by telling them they need to resend that so my bank can get this payment to them that they sent back to them u can look it up and they want probably my email address it is XXXXXXXXXXXX my phone that 's on my account is XXXX its not working but that it was told to them and I give my cell phone to them XXXX I would like for u to help me to have them take that payment out cause I do n't want it back in there when they sent it back they have the information all they have to do is ask for the saving account which they have and they took it out on the same numbers they have they are trying to cause problems and I do n't want that yours truly XXXX XXXX u can call the bank and they will tell u to XXXX ask for XXXX she takes care of it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX we applied for a cash out refinance on our vacation home in TN. We applied with Amerisave. Our XXXX XXXX reflected a mortgage of {$230000.00} with a locked in interest rate of 3.125 % snd with loan origination charges of .134 % plus an application fee of {$500.00}. 
The entire process of submitting documentation has been horrendous. We would send documents and receive verification they had been successfully downloaded but then would receive a message saying they had not been received & that our loan application was in jeopardy. The loan originator whose signature was on those emails would tell us that the threatening emails had not been sent by him and were in error & to ignore them. 
Finally, we have reached the point of getting near closing. On XX/XX/XXXX, we received the Closing Disclosure. It reflected wrong terms- the loan amount and the origination charges were totally wrong and on the Change Circumstance sheet it stated that we the Borrower had requested a loan decrease and that Loan Discount had changed without any explanation. We were totally frustrated with the loan originator & processor at Amerisave we had been dealing with & requested the name of a supervisor. We were given the name of XXXX XXXX and we emailed him & made him aware of these errors. On XX/XX/XXXX, he apologized and we then received a Closing Disclosure in the correct loan amount but with loan points of .759 % instead of .134 %. The same day, we immediately contacted XXXX XXXX and he replied saying he was looking into it and that we should receive a response by the next day. When no response had been received the next day ( XX/XX/XXXX ), we emailed him again. We received an automated email reply saying he was out of the office. We sent another email on XX/XX/XXXX reminding him that we expected the corrected Closing Disclosure by the next day. Today, XX/XX/XXXX, we still have not received any corrected Closing Disclosure. XXXX XXXX called this evening around 6 pm and left a voice mail while we were eating dinner and his message was " he wanted to touch base so we can see if we can figure things out so we can get on the same page ''!! We called him back but received his voicemail. We followed up with an email saying that if we don't receive a correct Closing Disclosure by XX/XX/XXXX, we are withdrawing our application. We would like the return of our application fee of {$500.00} since Amerisave has failed to fulfill a loan according to the terms that we applied for. Most importantly, no one should go through the mistakes that have been made by Amerisave throughout this process. We have had countless mortgages through our sixty plus years and have never encountered anything like this experience.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-01-30
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, My issue is with Nationwide Credit INC. Nationwide has said they initially received the Finns hardship application but the decision to deny was with XXXX XXXX XXXX  XXXX attorney has said that they have never received any hardship application from NCI. 
My previous complaints to CFPB about this case # XXXX and XXXX NCI has said we received the hardship application but XXXX we're the ones to deny. 
XXXX attorney has said he never get any hardship application. 

Thanks,

Company response to consumer: Closed with explanation