BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-06-21
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:
To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for Equifax 25 for XXXX and 20 for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( Equifax ), 25 ( XXXX ), and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information  can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called Equifax to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: TX
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 has violated my rights. 

15 U.S.C 1681 section 1 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 2 604.A also states a consumer reporting agency can not furnish an account without my written approval or instructions.

I have asked this company several times to provide me with a signed contract by myself and they have not delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Colony Brands, Inc.
State: WA
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 have a small open account with Swiss Colony, from which I buy an annual gift or two every holiday season. that is the only time of the year I buy from them. my initial payment is due in mid XXXX. however 3 separate times now and 2 years in a row, Swiss Colony has reported to all 3 major credit reporting agencies that I have 2 additional late payments. most recently twice this year they reported that I had a late payment in XXXX and XXXX XXXX however thats not possible. I rechecked my prior orders in my account with them and I had no order around that time. I only had the holiday order and paid my balance in early XXXX on time. I have previously reported issues directly to Swiss Colony and its taken forever to get things fixed the 1st time. this 2nd time I went thru my credit reporting XXXX XXXX and thought it was fixed as it disappeared however back on XX/XX/XXXX all 3 credit reporting agencies notified of an update from Swiss Colony. When I went to look sure enough the bogus late payment from XXXX and XX/XX/XXXX was back again. IT IS NOT VALID. every time they they make this incorrect reporting, my credit score goes WAY DOWN and it takes forever to get it back up. I shouldnt be dinged for something that isnt correct and that they cant seem to get corrected in their system for the life of them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax often does n't remove negative items from credit report and are old inaccurate outdated information outdated inquiry which are hindered me from getting credit and increasing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NY
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 did not authorize nor consent to the following inquiries being furnished on my consumer report. 

1. XXXX XXXX BANK XXXX ( XXXX, XXXX ) 2. XXXX XXXX  ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently obtained a new cell phone number for my daughter, a minor. Midland Credit keeps calling my daughter for a debt that we do not owe. Despite blocking Midland and despite informing the company that we do not owe the debt it is repeatedly calling about, Midland 's phone calls to my CHILD continue unabated. We recently got the new phone number and the debt was likely owed by a person who had the number before us. Yet, instead of pursuing the right person, Midland is pursuing a child!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Unifirst Mortgage Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX 2017 I had spoken with Unifirst Mortgage. I had clicked on preapproval on the XXXX Application. I was contacted by XXXX XXXX via phone call by their office. It was at that time I expressed I was only looking to see if we, my husband and I could even get a preapproval. I had zero understanding on the process and expressed this. I was charged a fee to go foward with submitting an application. I was told we would have to get a FHA loan. I later found out with my husband from a local company we are actually able to get a USDA loan, which we are going foward with. I contacted Unifirst to get my money back and was told the payment was actually for a credit analysis. This was not what we was trying to do. We only followed instruction by the loan officer 's at Unifirst, thinking this was an only option. We found out again, this was wrong. I felt uncomfortable at the time paying for an application and am still upset over the fact, that I was dismissed and no further contact was given after I requested for the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I obtained my federal student loans in order to attend XXXX XXXX ( graduating in XXXX ), and I subsequently refinanced them with XXXX. XXXX subsequently sold the loans to XXXX XXXX, who then sold them to Navient. XXXX had a principal payment option electronically available on their web site when they had my notes. Navient has no process to make principal only payments, and refuses to recognize my requests to make them, even though my accounts are on auto payment and in good standing. It seems that if you would like to avoid their archaic repayment system that appears designed to ring every possible cent of profit out of a note, you have to save your extra payments until you have enough in the coffee can to pay them in full. So while the documentation I signed say there is no prepayment penalty, Navient effectively adds one by refusing all pre-payments until the loan is repaid in full at that moment. And they pass this off by saying that it 's the Department of Education 's fault, because they decide the repayment terms. I 'm certain, however, that the Department of Education has not precluded Navient and other firms from accepting principal only payments from customers in good standing unless it comes in a full payoff. The effect of Navient 's position is illogical on its face, and absurd in its impact. This is clearly a profit motive on the part of Navient to deny principal only payments, and I believe they should be held to account. My Navient account number is XXXX, and I am willing to provide statements as required to support my claims. My most recent discussion with Navient took place on a chat board on their site on XXXX/XXXX/XXXX, beginning at XXXX XXXX. This is what that discussion looked like : XXXX XXXX XXXX XXXX I do apologize, all payments are applied to the interest first and then once interest has been satisfied, payments will be applied to principal. XXXX XXXX XXXXXXXX XXXX I 'm sorry, that 's not my request. I want to make a principle only payment. XXXXXXXX XXXX I would like to know how to do that. XXXX XXXX XXXX XXXX I do apologize, that is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase had a fraudulent " flash crash '' Due to  deliberate market manipulation at XXXX on Ethereum which caused everyone to lose millions and billions of dollars. I myself lost a substantial amount of money. XXXX XXXX  XXXX There are numerous people that were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX XXXX an unauthorized person who i do not know accessed my account and wrote 37 electronic checks and stole a total of {$8500.00} from my account. All withdrawal was made on the same day. XXXX/XXXX/XXXX. I have never written an electronic check in my life. The signature does not match my own. The checks went to 3 different accounts, none of which I know. I submitted a complain to CITI BANK on XXXX XXXX XXXX. They responded with a letter on XXXX XXXX saying that while they do acknowledge it is fraud, they will not return any of the money to me as I filed the complaint more than 1 month after the incident took place. Attached is the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: Unifin Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A debt collector by the name of Unifin , Inc. with an address of XXXX XXXX XXXX XXXX, IL XXXX and phone number XXXX has both called and written to me attempting to collect an alleged debt that is time barred and that they claim is owed to a debt buyer by the name of XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX Unifin uses this reference number : XXXX. 

In their own letter to me, received on XX/XX/2022, they stated, and I quote : " Because of the age of your debt, XXXX XXXX XXXX can not sue you for it. '' They also stated : " Because of the age of your debt, Unifin will not sue you for it. '' These two quoted statements show that Unifin and XXXX XXXX both know full well that they are attempting to collect upon an alleged debt that is time barred. 

Federal courts have held that attempts to collect upon a time barred debt is a violation of the Fair Debts Collections Practices Act ( FDCPA ). 

See : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. '' Source : XXXX XXXX XXXXXXXXXXXX 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. 

At a minimum I want both Unifin and XXXX XXXX to cease and desist from all communications with me regarding this alleged and time barred debt. I would also like both companies to face consequences for willfully violating the Fair Debt Collection Practices Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I have an existing mortgage with USBANK, I have paid EVERY payment, I am current, but XX/XX/2021, I called USBANK to INQUIRE about my options with A.- refinance at a lower rate B.- modify to remove PMI ... AT NO POINT, I asked or AGREED to a CREDIT PULL of any kind, I was NEVER INFORMED that USBANK was doing a credit pull WITHOUT MY KNOWLEDGE or consent... 

and they lowered my score from XXXX very good, to XXXX just good... as a matter of fact I wanted to checks their rates, because I AM SHOPPING around for the best rates FOR ME based on a XXXX score!

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 2022-09-07
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX al XXXX NEW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/1991 Upon pulling my annual credit report I notice some credit inquiries that were unauthorized and were not clearly and conspicuously disclosed. My research on the FCRA Laws states that reports containing information solely as to transactions or experiences are excluded from my consumer report. Attached I have the names of the companies that are in violation. This is causing injury and is causing me to get denied loan/credit opportunities from my family and me. Thank you for your time!

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 2017-06-21
Company: Allied Servicing Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Allied Servicing Corp., whose address is XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, has published a Notice of Trustee 's Sale thru XXXX XXXX XXXX XXXX XXXX ( XXXX ), whose address is XXXX XXXX XXXX, XXXX, CA XXXX, advertising that my property is scheduled to be sold at a public sale scheduled for XXXX XXXX XXXX at XXXX XXXX, at the City Hall in XXXX, CA. Please address the following : 1.  Allied Servicing Corp. claims that it is the Appointed Trustee of an alleged mortgage loan with former XXXX XXXX XXXX, which later changed its name to XXXX XXXX. I have verified with XXXX that my mortgage is not under default. Please stop the Notice of Trustees Sale. 2. Allied Servicing Corp. is demanding an immediate payment of more than {$30000.00} to bring the loan up to date, and offering refinance option for the remaining {$250000.00}, which has no basis since the loan has been charged off by XXXX XXXX. 3. Allied Servicing Corp. and XXXX has advertised the property for pre-foreclosure in the XXXX XXXX XXXX and XXXX, causing a lot of unsolicited refinance and foreclosure mails, and even unfamiliar people posting foreclosure notes at my front door.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On  XXXX / XXXX / 16 , I was referred to  XXXX   XXXX   XXXX  to have a   XXXX   XXXX   taken, The sample was then sent to  XXXX  for analysis despite the fact that  XXXX  was not in the network of outpatient testing facilities. The sample should have been sent to  XXXX   XXXX .   I am currently been threatened with adverse collections and credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1. Vehicle leased XX/XX/XXXX ( lease payments incorrect ) ; 2. Lease modified XX/XX/XXXX, dealership refunded {$1500.00}, paperwork never changed ; 3. On/about first week XX/XX/XXXXhad unexpectected acceleration and braking which XXXX XXXX nor XXXX could determine cause ; 4. On or about XXXX XX/XX/XXXX, additional unexpected acceleration in heavy traffic, again XXXX XXXX could not find problem ; 5. XXXX XXXX, owner then offers to exhange vehicle, but has get approval XXXX XXXX ; 6. Around XXXX   XX/XX/XXXX, notified that XXXX has approved Substitution of Collaterol, ( like kind exchange ) ; 7. XX/XX/XXXX, pick up new vehcile, another XX/XX/XXXX XXXX, with few upgrades ; 8. When get home, check VIN number and they don't match, call XXXX XXXX and XXXX XXXX and report alleged fraud. 9. Since that date, attempted to resolve with XXXX XXXX, Owner, and he has failed to provide proof that VIN number has been corrected and file registrations documents with XXXX DMV ; correct Closed End Motor Vehicle Lease Agreement Louisiana/reduction ; correct Odometer Disclosure Statements/reduction ; and manipulate Act of Sale documents/reduction.

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 2018-04-30
Company: EQUIFAX, INC.
State: MO
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:
Equifax is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect.

2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was refunded {$3000.00} for a canceled cruise. The credit hit my account on XX/XX/XXXX. The money was available to use for point of sale purchases. On XX/XX/XXXX I put a request in to transfer the money to my checkig account. I was advised that it would be complete within 3-5 business days. I called back on XX/XX/XXXX to check the status and was advised that it is still under review. The rep stated the funds were still under review to make sure the refund was valid and could be processed. My account balance states XXXX. I have been using the funds to conduct point of sale transactions which they make money off of but it is frozen for me to send to my bank account. I asked if I could do a cash advance at my bank to obtain the funds and they said I can but it will be a {$75.00} fee. They want to charge me to get my own money? I spoke to an account manager XXXX who refused to waive the fee or put me in contact with her manager. I want my money released and then I am closing this credit card out. Horrible non existent customer service.

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