BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: EQUIFAX, 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:
On X/XX/2017, I mailed a dispute letter to XX/XX/XXXX asking them to remove a negative account, XXXX XXXX XXXX from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XX/XX/XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XX/XX/XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Bread Financial Holdings, Inc.
State: MA
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 am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-28
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit and discovered that this company has reported that I owe them a debt. I have never entered into a contract with this company and neither have they provided me services nor goods

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 2017-02-09
Company: BB&T CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Applied for loan/did not receive money

Complaint:
I applied to BB & T Bank for a home Equity Loan, was approved for the loan, closed on this loan on XX/XX/XXXX. I wanted to pay off my existing Home Equity loan with XXXX, and keep all my banking needs at BB & T bank. The Check form BB & T bank has not arrived as of the date XX/XX/XXXX. I have been contacting BB & T bank personnel to ask what they are doing or going to do, to complete the transaction.They have stated that this was a Bank Cashiers check, and they want to wait 90 Days before issuing another check. I am now in arrears with my XXXX Loan, waiting for the payoff amount of {$24000.00} from BB & T bank to arrive.I have already made one payment of {$500.00} to BB & T bank on the new loan, along with all the closing costs of over {$700.00}, but the money has still not arrived at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX sold my loan to Select Portfolio Services ( SPS ) almost 1 year ago. On XX/XX/2020 ( not exactly sure which day ) I called SPS inquiring to a FORBEARANCE on our existing mortgage. I asked if the Forbearance would allow for the entire payment ( PITI ) to be added onto the back of the loan. The representative said that the Principle and Interest would be but not the Taxes and Insurance. Thus, I said that I'd make the Taxes and Insurance payment. The representative said a letter would go out in a week offering you options. That " letter '' arrived on XX/XX/2020 and dated XX/XX/2020. Attached is the letter. I'm so sick to my stomach because SPS is seeking to profit from this horrible virus circumstance. They are offering my wife and me 90 day Forbearance ( from XXXX, XXXX and XXXX ) with a BALLOON PAYMENT DUE XX/XX/2020. My PITI monthly payment is {$2000.00}. Let 's multiple that by 3 months or {$6100.00}. Let 's add {$2000.00} due XX/XX/2020. Total {$8200.00}. Now, they want to charge me after 90 days a balloon payment of {$9500.00} ( see pay 2 TERMS ). If there was EVER a time when the CONSUMER FINANCIAL PROTECTION BUREAU NEEDED TO STEP IN, IT'S NOW. MY LOAN # IS XXXX 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 2020-09-14
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've tried to contact this collection multiple to let them know that I do not owe this debt to them or the original creditor. This collection company is illegally reporting this to the credit bureaus. I was never notified about this or have a contract with this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian offers a boost service that allows users to increase their credit score if they forfeit their data from banks. This service literally taps into every transaction that one commits from any given bank in the U.S. If an individual does not use the Experian boost program then their credit score is negatively affected. XXXX XXXX uses the average of Experian, XXXX, and XXXX. Naturally, if Experian is suppressing credit scores in order to promote their service Experian boost then this affects every American who wishes to purchase a home, apply for a new credit card, or even apply for a business loan. Experian has hurt many Americans by offering this free service. Americans are forced to forfeit their private banking transactions to a private company. This data can go anywhere, whether it be sold or harvested for profit, Experian is unlawfully suppressing American citizens credit scores.

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 2016-01-02
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
THE TRACKING INFO IS # XXXX IT GOT MAILED OFF ON XXXX/XXXX/2015 FROM US POST OFFICE IT GOT TO XXXX ON XXXX/XXXX/2015 @ XXXX AND IT HAS N'T BEEN SCANNED ANY MORE SO THEY CLOSED THE CASE & SAID THEY CANMT GIVE ME AN REFUND THAT WILL NOT HAPPEN I WILL NOT PAY ANYTHING FOR AN PHONE I PAID TO SEND BACK & XXXX DID N'T SCAN PACKAGE IN TO SHOW WHERE IT IS ITS NOT LIKE I CAN JUST GO TO THE PLACE OR CALL & ASK WHERE IS MY PACKAGE & THEY KNOW THIS & USE THESE TRICKS TO MAKE YOU PAY FOR ITEMS YOU HAVE RETURNED WHEN THE SELLER SOLD ME AN ITEM THAT WAS N'T WORKING I HAVE ALSO COMPLAINED TO CFPB ALSO AND THE FEDERAL RESERVE ABOUT THE PAYPAL. I WAS SENT AN EMAIL TELLING ME TO RETURN THE MERCHANDISE BACK TO SELLER & I NEED TO USE A SHIPPING METHOD THAT PROVIDES ONLINE TRACKING INFORMATION! I DID THIS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-30
Company: Paypal Holdings, Inc
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I paid a deposit for a stay at a surf camp in XXXX via paypal but the recipient was a ghost account. The surf camp is reputable, it has a paypal account at XXXXXXXXXXXX. I sent the deposit to XXXXXXXXXXXX, who took the money, but did not provide any service, or provide a refund despite requests. The owners of that acount set it up just to receive payments made to the wrong address. They also set a XXXX account to attract people to pay for services that it has no intention of supplying. Paypal refused to reverse the payment : the complaint procedure person did not understand the issue and incorrectly closed the complaint in contradiction to Paypal 's published policies on fraud. This is a repeated problem for the camp owners, and a clear case of ghost-account fraud, but paypal refuses to act to protect customers from this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called XXXX twice. I answered both calls and no one was on the line. The line disconnected. 
Have called 13 times in the past four days, not including the two calls listed above. These calls I did not answer. Researched number on web to find out it belonged to I.C. System, INC. 
XXXX, XXXX XXXX, MN XXXX. 
These are obviously robot calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: M&T BANK CORPORATION
State: VA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I opened a XXXX IRA with Wilmington Trust ( now M & T Bank ) in XXXX. Five years later, they failed to notify me of the 5-year CD 10-day window, even though I had informed the bank of my new address. I resolved not to miss the next 10-day window to transfer my funds to another bank in XXXX XXXX. In preparation, I made multiple calls to M & T bank to ask questions and notify them of my intent. No one from M & T could facilitate my request to transfer funds, so I got the receiving bank to handle the transfer. When I confirmed the transfer, I discovered that M & T charged {$75.00} for the transfer -- even though it was during the 10-day " do with it what you like '' window and no one had informed me of this during my preparation period! When I called to ask them to reverse the fee, the branch manager said there was nothing he could do, and *then* M & T sent my statement declaring the {$75.00} transfer fee -- after the fact!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX   XXXX {$14000.00} COLLECTION XXXX {$45.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Date Opened XX/XX/XXXX XXXX $ XXXX Late Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have trying writing the company to get them to verify if the debt is mine with a sign contract all the company keep responding with is a bill. i already have a bill I need to verify or know what document they have that this is my debt and not someone else 's. 

XXXX XXXX XXXX XXXX XXXX {$340.00} account number XXXX XXXX XXXX XXXX XXXX {$2800.00} account number XXXX XX/XX/2020 XXXX {$730.00} account number XXXX In accordance with the Fair Credit Rreporting act XXXX account XXXX, XXXX, XXXX, has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Sections 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 2022-04-11
Company: EQUIFAX, INC.
State: MS
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:
These inquiries are fraudulent please investigate and remove from my reports ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION 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 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute this XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have found these fraudulent accounts on my credit reports and I have no knowledge whatsoever of these and they do no belong to me and this has caused me great XXXX  and XXXX  and having the collectors keep pushing to try and collect money for something that is not mine and I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 90 days late as of XX/XX/XXXX and charged off in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. The payofff and title had already been released to me. When I reached out to them, they said that they tried contacting me via phone however they did not have my correct number. No attempts to contact via ground mail or email that a balance was still owed were attempted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: MIDFIRST BANK
State: MA
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 Account ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2016-02-12
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I stopped using Paypal a while ago. I tried to shut down the account. I had not used the account for almost a year. Now, I am receiving notices that are inappropriate transactions on my paypal account. This has happened three times. I have been contacted by customer service and have asked them to close the account. I tried to use Paypal as a nonmember and they harvested my address data without permission and attached it to my old account. I badly want my account shut down. There is no current credit card attached to this account. I think Paypal might harvest my credit card data without permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached a settlement with the collection agency on XX/XX/2016 ; they mailed me a letter verifying the amount to pay in order to discharge the debt. I paid the amount due on XX/XX/XXXX. I have continued to be harassed by the collection agency stating they never reached a settlement with me. I told them to listen to the phone conversation that took place and to look at the letter they sent me on XX/XX/2016. They still insist the conversation did n't take place and that there is no paperwork on file notating a settlement. I receive a call from them everyday!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My mother and I have been called off and on since we moved in to our rented duplex by collection agencies who always promised to remove our number after we made it clear we did not know the person who used to use our home phone number and did not have a forwarding number. The most recent incident was today and so I decided to check to see if there was more I could do, which led me here. We moved in XXXX10 years ago and while it has n't been every day or week it 's still a waste of our time that needs to stop.

Company response to consumer: Closed with explanation