BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I XXXX XXXX want field a complaint with XXXX, Transunion, XXXX  because they inaccurate information on my fie that should not be on credit report Such as Chapter XXXX Should not be on my credit report because XXXX have removed my chapter XXXX and also XXXX, Transunio, XXXX  was sending credit reports saying Thant I was XXXX XXXX XXXX and my name is XXXX XXXX. .I XXXX XXXX pay my on time and you credit Score shoul d be higher than XXXX XXXX, because all of bills come out of my checking account not five every month. I am a and sure would appreciate if u could resolve thes problem with the credit agency.

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 2021-02-08
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/XXXX {$2.00} ATM fee from a ATM that is owned by XXXX and does not charge ATM surcharge. 

XX/XX/XXXX Transaction declined and no warning that the maintenance was scheduled, or servers down was sent to any customers. Did not find out until the called to get information and when trying to talk to representative phone goes busy. Now we have several thousand people with American Express credit and prepaid accounts not able to access funds at all since XXXX CST. 

Still no time frame for a resolution to issue and when funds can be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions 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:
There are two alleged derogatory collections on my XXXX and Experian consumer reports from XXXX XXXX XXXX for {$13000.00} and XXXX XXXX XXXX for {$5900.00}. These are not on my XXXX consumer report, and they should not be allowed on my XXXX or Experian consumer reports. I did not give XXXX permission to place these two alleged collections on my consumer reports, and by law, they have to ask the consumer for permission. I did not permit them to provide this information to my consumer 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 2021-02-20
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, I started the refinancing on my condo on XX/XX/XXXX with Amerisave MOrtgage Co. and I had to give them {$500.00} for the a hold for the application fee which they also said so I don't walk off to another mortgage company. 

I signed the closing document which had fees in section A : Origination Charges : 0.223 % of Loan Amount ( Points ) = {$600.00} Application Fee = {$500.00} After run around for two months and on XX/XX/XXXX I get an email. from Amerisave saying : " The interest rate is still the same but the fee, as of today, is about {$1800.00} higher than what it was when we initially spoke. We can still lock in and move forward if youd like. '' Now in section A : Origination Charges : 0.853 % of Loan Amount ( Points ) = {$2300.00} Application Fee = {$500.00} So on XX/XX/XXXX I started the application with XXXX XXXX  and got a lower closing cost and decided to go with them. I let Amerisave know that due to the rate change and the two months which was there fault I decided to got with a local bank and would like my {$500.00} returned, they replied : " The {$500.00} is a non-refundable fee. The reason that is there is because we have had 14 teams working your file for 2 months now. That money goes to fund those costs. If you want to walk away from the loan you certainly can but the {$500.00} isnt refundable ''. 

It was there fault it took two months and I still didn't get a close date.. 

Thank you! 
XXXX XXXX XXXX : XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried unsuccessfully to do a home mortgage modification with Green Tree Servicing. I have submitted all the documentation multiple times and confirmed that the documentation was successfully submitted only to have the company come back and say that they closed the loan application because of lack of documentation. In the last instance, they contacted me and I requested my representative to contact me as she already confirmed that she received everything. In XXXX weeks and XXXX messages later, I still have not gotten a callback and I found out that she closed the file again. This seems systematic or just general incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Spoke to 3 different reps, the first one was rude right off the bat and yelled at me. The second one XXXX seemed like he wanted to help while talking to him then he put me on a 45 minute hold period so I can try to figure it out. Called back and spoke to my collections rep XXXX who was very rude, told her to not call my job and she told me well how are we suppose to get the funds? I told her under the fair debt collection law if I saw dont call a number you cant call for her to say ok Ill put down you refused to pay. I told her Ill keep calling because I did not say that. I called back and was transferred back to her I correct her on his mispronouncation of my name for her to say is very sarcastic back and how me telling her not to call my job wouldnt do no good. Told her I wanted to speak to XXXX but told me he was busy then she eventually transferred me over to him. Told him how extremely rude she was and all he said was ok Im sorry. Told him someone needs to go over customer service skills with her on how she talked to me, for him to get loud/yell at me and tell me Im wasting my time talking to him and I need to be figuring out how to get the money I owe. Then I told him not to call my job either and under the fair debt collections act you cant call if I say so for him to get loud/yell again. Told him I was going to talk to a lawyer because I feel like my rights under the collection act have been violated he said how are you going to get a lawyer if you cant pay us back and he can tell Im the type of person to owe them money. Told me I owe a little over 1400, told him I only received a letter for XXXX and wanted proof of the XXXX. XXXX told me he would email it to me, gave him my email never received anything.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-06-06
Company: Creditors Service Bureau Inc
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECEIVED NOTICE OF SUMMONS & APPEAL TO APPEAR AT XXXX XXXX COURT ON XX/XX/18 AT A RESIDENCE WE HAVE NOT LIVED AT FOR NEARLY 3 YEARS, CALLED DEBT COLLECTOR ASKED TO VERIFY DEBT, WAS TOLD THAT THEY HAD SENT VERIFICATION OF DEBT IN XXXX, RESPONDED THAT I HAD NEVER RECEIVED VERIFICATION OF DEBT, ASKED IF THEY HAD LEFT CONTACT INFO REGARDING DEBT FOR MY WIFE WHOSE DEBT THEY ALLEGE IT IS WAS TOLD THEY HAD NOT ( PHONE CALLS, VOICEMAIL, LETTERS ETC. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00}

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 2017-10-16
Company: Access Receivables of NC Inc.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was making school payments for XXXX University XXXX XXXX Campus on my original balance of {$980.00} ( approximately ) and I missed a payment and they sent it to a collection Agency ( Access Receivables ). I had no Idea that it was sent to Collection until I see it on my credit report. The collection agency did n't sent me a mail to my address, did n't send me an email or a phone call. 
I have contacted Access receivables, but the manager did n't want to assess the situation. 
As a taxpayer citizen, I have a right to be notified by certified mail that I have to settle a debt, but in this case just because they have the power to post it to my credit, they did.

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 2022-05-03
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I contacted the company on several occasions letting them know that I did not receive my bills. The company did not fix the error and continued to bill me later fees. I explained to the company that I was affected by the pandemic and that I was out of XXXX and moved into a smaller area. The company continues to say that the late fees are valid even though I never received my bills. I was relying on others to pay the bills. The company does not care about consumers ' financial hardship and never offered me a program for covid relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-04-07
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I looked at my yearly report on XXXX XXXX and found a middle name that belongs to a sister. Her address is also included. I have filed a complaint two years ago for the same reason. I in no way gave her permission, nor would I EVER allow her use of my information or change of MY middle name. This has been a constant battle. I have been XXXX  from her and her family for XXXX years. They are disgusting criminals. She happens to be a bankruptcy secretary. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: FIRSTBANK PUERTO RICO
State: FL
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:
This car loan has been on my acct for more than 7years has a repo, I've contacted the credit bureau and was told it's not showing in their system but I've run my credit and this is hiding and still on my file credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Paypal Holdings, Inc
State: ME
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:
In XX/XX/XXXX I received a letter from a collection agency XXXX XXXX, XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ), dated XX/XX/XXXX ) regarding Creditor : Paypal Inc., regarding an amount owed of {$80.00}. As the only account I have ever had with PayPal was the standard account where all payments were made through my credit card or debit card, I was confident this did not belong to me. 

I contacted PayPal Credit and they confirmed that this was a Business account created in XXXX under my SSN #, however an e-mail address that was not associated with me. After speaking with a XXXX at PayPal, he agreed the account looked suspicious and deleted the account and indicated that since there was not further activity on the account that the balance should be resolved. 

In XX/XX/XXXX, I received a second collections letter, but this time from a XXXXXXXX XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). I contacted this agency, speaking to a XXXX XXXX and a XXXX. My case was sent for investigation. I received NO response back from the agency or PayPal credit even though I was told someone would contact me. 

I assumed the issue was resolved until I received another letter from XXXX dated XX/XX/XXXX, with a NEW account #. This letter indicated a 'Charge off Date : XX/XX/XXXX ', no indication as to what this means. I contacted the agency XX/XX/XXXX and they said the investigation came back from PayPal indicating no change to collections balance. I was transferred to PayPal credit who could no longer locate the account to investigate further. payPal then indicated that the debt had been sold from one collection agency to another and that maybe the debt had been sold prior to me resolving the issue with PayPal initially. At this point PayPal gave me a phone # XXXX to the original bank holding the credit ( XXXX ), however I had not luck contacting this agency to speak with an agent. At one point I was even transferred to an XXXX credit agent. 

Note that between XXXX when this account was created to XXXX I never received any communication from PayPal via phone, e-mail or mail indicating that I had an outstanding account. 

I have made every effort to contact the related agencies to resolve this credit balance that I do not owe and was told by PayPal would be resolved. At the risk of my credit score I am refusing to pay this balance since these agencies can not seem to bother  helping figure out how to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i disputed inquiries that were not made by me however i have not heard back from them

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 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
AFFIDAVIT OF STATE MENT. 

All credit bureaus transunion, XXXX XXXX XXXX has allowed nurmous fraudulent activity on my accounts for years and continuing to this day, to deny me an environment to happiness and life due to my nationality of XXXX XXXX I named XXXX XXXX XXXX XXXX, never gave any credit reporting agency jurisdiction over me due to my nationality of citizenship XXXX And demand it all been removed pursuant to my nationality, citatazinship and religious as of this day and preventing matters for the further

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 2023-01-03
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have never been to XXXX in my life and I have a {$250.00} collection that has been issued to me from a XXXX XXXXXXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I finished my XXXX XXXX in XXXX of XXXX and went back for my XXXX XXXX in XXXX of XXXX. The deferment I had only lasted till the middle of XXXX of XXXX and a repayment was scheduled for a few days later. I was late on the XXXX and XXXX payments in XXXX and started getting calls in XXXX. I called back because I thought they didn't have me listed as enrolled ( they didn't ). I was told they would apply forbearance to my account and everything was taken care of all I needed to do is get my school to confirm my enrollment. Recently, I have been looking into a private student loan to cover XXXX  school and am working on my credit. I noticed my payment percentage is relatively low and found out the payments that had forbearance applied to them are shown as late and 100+ days past due. I talked to my loan servicer ( FedLoan ) and figured out the part about the forbearance as it had been long enough I had trouble remembering. I asked them why they were still listed as late and they told me since the forbearance was retroactive they are still late. From my understanding that doesn't matter since the payments are not being required and is true regardless of whether or not it is retroactive. I haven't seen any comments refering to the forbearance on my credit report either and asked if them not correcting the payments violated 632 ( a ) ( 2 ) of the FCRA  and they didn't say anything definitively just insinuated I wanted them to do me a favor. I have all the email correspondence if it is needed. I may be wrong about it, but from what I've seen it I don't think it works that way and it is really felt like they have tried to push me to not question any of it.

Company response to consumer: Closed with explanation