BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, the XXXX  accounts listed below has violated my rights. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX- XXXX XXXXXXXX XXXX XXXXXXXX. Acct # XXXX 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. States a consumer reporting agency can not furnish a account without my written instruction.

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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In the month of XXXX, I recently wrote a complain about all the credit bureaus explaining why XXXX XXXX XXXX XXXX is on my credit as a charge-off with a balance of XXXX dollars. I never received any validation, letters, or email from XXXX XXXX XXXX XXXX, after they took the car. The repossession wasn't peaceful, they was rude and we got into an altercation, and on top of that I didn't receive a presale or post sale letter. If this item can't be verified I need it deleted off my account., according to the FCRA Law Statement.

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 2021-04-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
experian, XXXX  and XXXX will not give me a updated report

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 2018-10-09
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not contacted or informed of this item, this item was added to my credit report without contacting me, and i have no knowledge of this item. If this is not corrected I will contact my Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My account got permanently banned on Paypal for no reason whatsoever that I am aware of. I sell crystals, necklaces and tarot on XXXX and use the name XXXX XXXX for privacy reasons. My real name is XXXX XXXX and my paypal email is XXXX. I have approximately XXXX dollars and XXXX on hold that they are going to hold for 180 days but I need it for bills and I do not want to have to submit a claim and get lawyers involved but I will if thats whats necessary to get what should be mine. I need that money and If someone had a dispute with me that caused my money to be on hold for this long, it is not fair to me as I do not know whats happening. I want to withdrawal my funds and never use Paypal again. This dispute must be settled or I will take legal action as others have said Paypal will take all their money for liquidation fees which is actually not legal as its under the law to only be a smaller increment of total money. I am not risking losing all my money and thus ; am not waiting the entire 180 days as that is half a year. I spoke to a Paypal rep that said they couldnt do anything for me. This is so ridiculous. For confirmation purposes the last 4 digits of my card info on the account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In    XX/XX/XXXX  we purch ased a home on  XXXX  Ohio from the owner for {$48000.00} we made payments for over 5 years until    XX/XX/XXXX . Whe n I  contacted the mortgage company the concern was the extra {$2200.00} they where attempting to collect. I was informed it was for home owners insurance I informed the company we had outside insurance with  XXXX   XXXX  whom I had send them the declaration I was told it was never received so I ask them to send it again. I informed the company I was not paying for their insurance. Then I requested a statement of payments for the past year. To find most of the payments was going to interest and insurance. I again contacted the company informed them of the problem stating I will not pay anymore until the matter is fixed. In   XX/XX/XXXX  we where informed due to non payment they where filing foreclosure. We moved out  XX/XX/XXXX  informing the company we will not pay. In  XX/XX/XXXX  as I was denied for employment I researched the issue to find that I had a nuisance warrant for my arrest f or the property. I contact the city to be informed the title had been released and it was in our name. Because we had it lived in the state for over a year we did not wish to return. We then was informed by another company that we owe them {$48000.00} for the property. So we ow e  XXXX  c ompany we have no idea who they are and we own a home we no longer wish to have.   XX/XX/XXXX  t he city of  XXXX  took possession of the property for none payment of property taxes. So now we do n't own the home and we still owe this other company {$48000.00} plus interest to where they state we owe {$62000.00}. No one can answer my questions o what happened to the 5 years of escrow paying {$420.00} a month with {$5000.00} down that makes it over {$30000.00} that we have no idea what happen to it nor where any payments went for this home. So my complaint is that they not only took our money they are asking for more. Now based on my memory  in  XX/XX/XXXX to  XX/XX/XXXX  t he lenders name changed like  4 diffe rent times without notice to find out it was the same company just changing their name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT THAT ARE LISTED ON MY FTC REPORT.

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 2021-11-16
Company: Rozlin Financial Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call on XX/XX/2021 at XXXX XXXX from XXXX reporting to be " RFGI '' who addressed me by my first name and asked me to confirm my birthday. When asked to provide more information he would not give it to me. He then told me the year of my birthday and asked me to confirm the month and day. I declined. He then asked me to confirm my social security number. Thinking it was a fishing scam, I hung up the phone. He subsequently called my husband asking for me. My husband asked him to explain the nature of his business and he would not, simply stating he was with " RFGI '' again. He again asked for personal information which we declined to provide. We have not received any written noticed of debt and are not aware of any outstanding debts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Fidelity National Information Services, Inc. (FNIS)
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:
To whom  this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, and others, however despite multiple attempts Chexsystems continues to report th e inaccurate information. I have received reports, but the information they claim they have remove, continues to report. More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response. I have attached reports received from ChexSystems and if examined, you can clearly see a whole different name and DL number attached to my  ChexSystem report.  I have also taken steps to freeze my report, but have yet to receive a pin number to be able to access my report in the future.

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 2021-11-16
Company: TD BANK US HOLDING COMPANY
State: VA
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:
I notified TD Bank Credit Card that I will be traveling to XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. However, during this period, my credit card was abruptly turned off. From a correspondence received after XX/XX/XXXX : Per TD Bank : In our efforts to protect and better serve our cardholders, we continually monitor our credit card accounts for transactions which occur from fraudulent useWe apologize for any inconvenience this may cause I verified all transactions with TD on Sunday, XX/XX/2021 per my conversation, with the TD Bank representative, she reassured me that my bank card would be turned back on. Unfortunately, this was not the case. I was stranded without any available credit card for use for hotel and transportation stay. I succumbed unnecessary fees as a result of this inconvenience. 

I also TD Bank on XX/XX/2021 that I would be traveling to XXXX from XX/XX/XXXX to XX/XX/XXXX... I didnt want my credit card to be turned off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02
Company: Experian Information Solutions Inc.
State: MO
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  XXXX   2016  I went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.

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 2021-11-16
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/21 CSR XXXX called my cell phone 4 times including once from her personal cell phone within about a 30 minute time span. That is harassment and illegal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have had told  Midland  funding to stop calling my cell phone and provided a home number and I receiving calls from them on my cell phone. I finally called them back  XXXX  and told the guy the phone number he is calling a  Cease and Desist  number. He continued to talk and I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem arose when I tried to change the bank account from which my monthly mortgage payment is taken.     I spent hours over 3 days trying to change the account online, as well as talking to a number of people on the phone. I eventually found out that what I thought I could do myself online could n't be done.     Chase wasted a lot of my time and would n't do anything but apologize on the phone and offer to send me a letter of apology, which would n't even be signed by a person.  <P/> I did n't pick Chase to service my mortgage so I ca n't take my business to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: AL
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:
In XX/XX/XXXX I filed a dispute with XXXX, XXXX and Equifax credit bureau about the unverified collection, XXXX, XXXX -- XXXX of {$170.00}. I have not received a notice in over 45 days and my report shows that this account is still in dispute. This unverified account should have been removed because I am aware that this 30 non-day response is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 3 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unknown and there was never a medical bill I owe d in 2014. Thi s is inaccurate and false information against me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account is reporting a un-validated debt a debt validation letter was sent to company no response. Per FDCPA this is inaccurate and must be removed from my consumer report. They are purposely reporting a debt they are unable to validate that this is my account and are impacting my credit score adversely. This kind of violation can lead to a penalty of up to 1000 per violation and damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Opportunity Financial, LLC
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: Account status incorrect

Complaint:
I paid off an account ( loan ) and once the account was reported to  XXXX  it was reported closed but 30 days late. the account was never late, I co ntacted Opportunity Loans ( Op p Loans ) and was told that there was a glitch in the system and that this would be corrected in a few days. I waited from a call from someone by the name of  XXXX  who I was told would call me back but I never received a call. I contacted the credit bureau and disputed this, the dispute came back as information remains the same due to the number that was provided on the credit report is not the number should be used for Payments. the number provided to the credit bureau is just the corporate main number. so I have included the final email stating the account is paid in full with the correct contact number located in the signature. The information is still being reported as 30 days late which is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Good Afternoon : I am writing to register a complaint against Wells Fargo. I am a XXXX who is paying back loans and working part time weekly doing contracting work as I am trying to find a full time job. There are days when the paycheck I make is in transit just in time to my Wells Fargo account for bills. Even though the money transfer is deposited on the same day, Wells Fargo immediately charges a {$35.00} overdraft fee for each transaction. Over the past year, this has added up to {$770.00}. This has put me in some tough situations as I am  already living paycheck to paycheck. On many, many occasions the overdraft fees ( for each charge ) have cut into my paycheck so deeply that the amount in my account is then insufficient to cover the bills and I incur even more overdraft fees. It 's become very difficult to keep my head above water and only recently have I even become recent on paying my credit cards on time. I am a young adult who has a damaged credit score- who is both working as much as possible ( often 20 hours a day ) - with these incidents- I am not able to With the money and the transactions happening at the same time, it seems unfair for me to be charged immediately- as I have no control when the bill is pulled from my account and when my paycheck is deposited. I thank you for your review of this situation and I appreciate any help you can provide. I am providing details of deposits and corresponding overdraft fees to show correlation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, 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 have disputed  XXXX  on my credit report with Equifax  XXXX  and   XXXX   multiple times with no proper response or investigation or re investigation. I am asking once again to have  XXXX  removed from all  XXXX  CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown.     The loan started with  XXXX    XXXX   the day they collapsed. Then was handed off to.      XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  these  XXXX  were shut down by the federal Government,   XXXX   XXXX   XXXX  , and Last  XXXX . who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting.     Please provide legal documentation or remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: AL
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 have been sending letters to the Credit Bureaus for months about items on my credit report that's not mine and they have been saying that they aren't receiving the letters. I know they have and when I call they say that the items are being verified, which I know that's not trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ), XXXX XXXXXXXX XXXX ( Date opened XX/XX/XXXX, Balance {$340.00} ), XXXX XXXX BANK XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$3000.00} ), XXXX XXXX  XXXX XXXX opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX  ( Date XXXX XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit limit {$800.00} ) Its been over 45 days and Equifax XXXX respond to XXXX request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not authorize the credit application by XXXX on XX/XX/2022 Someone did the application with my Social security number.

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