BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Called transunion to dispute inquiries on credit report. I was told to contact the companies. I contacted  two companies that basically gave me the same response : contact the credit bureaus have no process to   change credit reports! I am  XXXX  and not very say with computers. I attempted again to get assistance from transUnion with no avail ... contact the companies. I do not know what else to do. I have several inquiries that did not have my permission to pull my credit.  XXXX   XXXX ,  XXXX  and  XXXX  are the only companies given my permission. I was very specific with not running my credit!

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 2017-04-25
Company: CITIBANK, N.A.
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a previous complaint that was " resolved '' in  XXXX .  Citi h ad put me on a " do not use '' list for appraisers by there mistake. They resolved the complaint by sending me a letter saying " sorry for the miscommunication '' and said all is good now. Except it 's not all good. A company called  XXXX  (  XXXX ,  XXXX   XXXX  is in charge of quality control with   XXXX   ) wont send me any business because they still see my name on the do not use list. Th is Citi error  has now cost me 4 months of business from at least one client that I know of and countless others that I do n't know. I need Citi to update ALL of their " do not use '' lists to remove my name immediately. Also, will be consulting an attorney to see if there is any financial relief that might be available. Hard to make a living with Citi 's " error ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
XXXX XXXX and Experian constantly change the date of an alledged Charge off to extend the statue of limitations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My PayPal account can't log in, because I didn't log in to XXXX for a long time after I went abroad, XXXX deleted my email, I used XXXX phone, so I couldn't verify my phone, my money was in PayPal, but for a long time, I couldn't log in to my PayPal account My PayPal email XXXX I need to change my email number XXXX XXXX Could be my new email address XXXX I can't be reached on this phone I can't log in with my old password

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 contacted all three of the credit bureau, Transunion, XXXX and XXXX. I ask that they provided me with all the accounts that had errors that I listed in the letter. I was requesting that they provided me with how each account was verified and that steps that we're taking to verify each account. I sent these letters out over 30 days ago and still have not received anything back. I don't feel liable for the debt that my credit report is saying that I owed and I am requesting answers.

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 2020-01-27
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: Information belongs to someone else

Complaint:
Per FTC sec 609 companies are not validating credit account. They are simply verifying my information.

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 2017-06-09
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Credit account  XXXX  verified today on  XXXX  credit bureau a debt that was paid at time of service at  XXXX   XXXX   XXXX .   At the time of emergency medical service I informed the hospital and presented info. that I was covered by   XXXX   CALIFORNIA.This debt also shows on  XXXX  and   XXXX   as account  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: AMERICAN EXPRESS COMPANY
State: IL
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 am sending ANOTHER complaint. This is in response to complaint number  XXXX  that was closed. They have again called me at the main number at my work.  XXXX  from  American Express is the representatives name. They said they had tried to contact me on my mobile  but they had only called me at  XXXX   XXXX  today. ... .And then they immediately called me at work right after that. In the complaint from a month ago, they said they would not contact me at work and considered the matter closed. I am paying them  XXXX /month. When are they going to actually be held to the standards of the law?! He acted like once again he did n't know about not calling at work but when I mentioned the complain he was suddenly very accommodating. This is my THIRD request to them to remove my work number! I never even authorized my work number to be called t begin with. Both of my parents died and I am trying to manage a lot of bills right now while politely working and paying all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled out an account w ith Midland and now they are reporting data to  XXXX  stating I owe the difference which is false. I have disputed several times and  XXXX  state Midland verified. This  is not right I am requesting removal ASAP of this false item I do n't know what else to do.      XXXX  has listed Midland Funding LLC  XXXX  {$290.00} owed which is FALSE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Debt Management Partners LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
on  XXXX / XXXX / 2017  I received a message saying that i was to be served and that the company had made multiple attempts to server me and this was my last opportunity and that if I were not home it would be viewed as refusal to accept.I have never been notified of this debt b eing turned over to collections before. I Was home all day the next day and no one showed up. Called my county c lerk and no case was found using the case number the company had provided. Within this first message was a phone number to call if I wanted to settle out of court. On  XXXX / XXXX / 2017  I called number that was in message and spoke with an  XXXX   XXXX .  XXXX   XXXX  explained that the debt was from a previous payday loan I had taken out. He then further went on to ask if i wanted to settle this now before it became a public matter. I told  XXXX   XXXX  I would call him back on  XXXX / XXXX /   2017  if I were able to make funds available.  XXXX   XXXX  called me on  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX / 2017   XXXX   XXXX ,  XXXX / XXXX /   2017  at  XXXX   XXXX ,  XXXX / XXXX / 2017  at  XXXX   XXXX . I then called  XXXX   XXXX  back and told him that I did not have the funds together now. I also asked him for information regarding his company and he said he would be able to give me all that after we had made arrangements. So even as of now I do not know what company he is with only that his number is  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: I.C. System, Inc.
State: OK
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:
IC System 5 Letters sent to the business/credit bureau . 

didn't show investigations results. didn't investigate. 

never updated or corrected error on my credit 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 2021-04-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX 2017 I submitted my forbearance letter the company said it will be deferred until next year. within weeks I get a noticed that I am delinquent and need to pay. contacted the company faced the needed information yet again get an information my account is delinquent and need to make payment. 
what I have noticed is that this particular company is n't clear on the information they provide for my student loans. I honestly do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I used the forbearance plan with freedom mortgage. The whole time they told me that there would no fees. I was placed in what I thought was a government loan repayment which I was told it would just go to the end of the loan. They sent a letter saying I was denied, when I called they said the had started an application and was just using my old info and they never sent me anything. They said I dont need to send anything in. Freedom mortgage said they lowered my payment to {$1800.00} a month with a modification to my loan. I thought great. When I revived the paperwork it had a XXXX XXXX lien that would be added to my house. They never told me that, would happen and now they are jerking me around, and if I dont sign they could force me to foreclose in my house by making me pay everything back at once. 
I have documents stating that no fees would be charged. They are also giving short turnaround date and if you miss it then they think you will pay everything at once. 
There is more also. I wonder how many people are they doing this too? Or people who dont read there documents and are trusting them to do the right thing. 
Freedom mortgage is trying to intentionally take peoples homes. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
On XX/XX/XXXX I sent a letter ( attached ) to XXXX and Transunion about having incorrect personal information in the consumer report, I demanded to be fix and remove old addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate, also to remove incorrect names. 
Its been more than 30 days and they ignored my request. 

Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I give you my written instructions to furnish the information just as it says on the letter attached. 
I'm including my social security, and two bills with my current address. 

Please do not ignore my request and come out with the excuse that you cant locate my file or you don't have my authorization or you dont recognized this complaint by me.. 
I have seen plenty of complaints in the cfpb with XXXX and you like to come out with this type of excuses.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy in  XXXX   XXXX . I paid off all the debt the bankruptcy said i owed in  XXXX   XXXX .   I recently applied to rent a house and the property management company said there was a debt with   XXXX   insurance for {$110.00} from  XXXX . I contracted  XXXX  and they gave me the number of the collection agency that it had been turned over to. I called them and explained that I had filed for bankruptcy in  XXXX  and the   XXXX   debt was never mentioned and that I was n't responsible for it. They just kept asking me how I was going to pay for it and offering lower amounts if I paid over the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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: Information belongs to someone else

Complaint:
I called Experians fraud dispute department on XX/XX/2021, around XXXX XXXX. XXXX. I spoke to a male agent by the name of XXXX. After I was fully authenticated, XXXX indicated I had an Experian membership and asked for my two security question answers : 1. What street did I grow up on? 2. What is my XXXX PIN? XXXX indicated I answered both questions correctly and proceeded to the dispute process. I requested to dispute an inaccurate address on my credit report. I also requested to dispute an inaccurate notice that indicated my address is associated with a business. I dont live at that address and I dont have a business. The address is not deliverable to me by the U.S. Post Office, and is not reportable as per the FCRA since they are inaccurate. I informed XXXX that I have lived at my current address for more than two ( 2 ) years. XXXX refused to file a dispute on the inaccurate address. XXXX also refused to file a request to remove the notice indicating the inaccurate address is associated with a business. I told XXXX I dont have a business and never used a residential address as a business address. XXXX continued to interrupt me and then refused to file any disputes. XXXX said my voice sounded familiar and he doesnt have to file my dispute. I successfully passed any and all of XXXX security questions and am entitled to file disputes on inaccurate, erroneous and unverifiable items pursuant to the FCRA. I indicated I have a valid police report and XXXX said that doesnt matter. I then asked XXXX for the name of his team, the name of his supervisor and what state or country his call center is located. XXXX refused to answer my questions and then disconnected the telephone call. I am maintaining a careful record of my communications with Experian for purpose of filing a complaint with my Attorney Generals office and Federal Trade Commission. Experian is in violation of federal law for your willful non-compliance as you have now violated federal law by not properly investigating inaccurate reporting. Criminal and civil claims will be pursued.

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 2017-04-25
Company: Paypal Holdings, Inc
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sell items  on   XXXX   and  have a 100 % seller rating but paypal has already restricted my funds on three occasions do to fraudulent cases opened against me by fraudulent buyers instead of them helping with the process they just say it 's all automated and out of there control. This has cost me thousands of dollars in interest payments with my credit card companies.When I call they say I have been informed but they never actually contacted 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 explanation
Consumer complaint received 2017-08-23
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a phone call this morning and spoke with the lady on the phone and then I spoke with a gentleman named XXXX. I was informed by the lady that I was going to be served by XXXX County Police Department and if I did n't pay it then legal action would be taken and the paperwork was to be served for to appear in court. I was also told that she would see my accounts that were attached to this loan. And I was also told that it would go after anyone who was a reference on my account and also that they would serve me either at my place at home or my place of business. To not give me information on what the paperwork was for until I spoke with XXXX it was just to let me know that they we 're just giving me information about what they were trying to do. She did not inform me at first of the conversation either that this was an attempt to collect a debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Account status incorrect

Complaint:
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.

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 2021-11-19
Company: EQUIFAX, INC.
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still 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 is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX  XX/XX/2020

Company response to consumer: Closed with explanation