BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I no longer reside at any of the following addresses : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These addresses are on my credit report # XXXX Need these addresses removed immediately My only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please update soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Experian Information Solutions Inc.
State: PA
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:
To whom it may concern, XXXX  has not responded to my letter that I sent out to them WELL OVER 30 days ago. Credit Reporting Agencies have 30 days by law to respond to letters as I am yet to receive a response from them. I've pointed out to them that they misrepresented my credit report. Showing accounts that don't belong to me and their reporting inaccurate information. I can't seem to get them to take me serious enough to not only report only 100 % accurate information on my credit report. But to also respond to my letters. My rights are indeed being violated. This is against the law and is totally unfair.

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: EQUIFAX, INC.
State: MI
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 filed a dispute about three derogatory remarks from a closed account from XXXX. For example XXXX XXXX reported a late payment which is inaccurate and has been allowed to report a late payment from XXXX to my report each month dropping my credit score each month. My credit scores is dropping around XXXX point a month due to inaccurately reported information. Most recently on XX/XX/XXXX my score dropped XXXX points due to a closed account reporting the same late payment from XXXX, but reporting it each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
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:
A bankruptcy account number  XXXX  is reporting on my credit report. I went to the courthouse they have no record of my social security in their system. They also told me that information is not public record and they do n't report to the credit bureau. They said its an error with the credit bureau.

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 2019-12-03
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our house burned down XX/XX/2018. We immediately contacted our insurance and mortgage company. When insurance pays they send it to your mortgage company all of it not just what you owe on the mortgage. NewRez Mortgage company is who we have our mortgage with. It has been like pulling teeth to get them to pay us the money that insurance sent to them. We tried sending the builders pay schedule, ( they said they dont work like that ) sent too many emails to count, made phone calls etc. They either take a very long time to get back with you or they dont contact you at all. When you call them they tell you they will do something but they dont. They tell you they will call you back but they dont. They tell you they have not heard anything but then you talk to another person and they tell you they have heard something. We had to have 2 inspections done by them to receive more money after The first one we never heard back so we started calling and they had sent the wrong form to be filled out so it was a bogus inspection. They finally sent money but they sent it to the wrong address so we had to track it down and what should have been overnight took over a week for us to receive We have also had the last inspection for a final release and yet we have still not been given our money. The inspection was done on XX/XX/XXXX They are suppose to have 10 days to release funds but when we can finally get someone on the phone. They say we have not received an inspection report or We received a report but it came back at showing the house was only 1 % complete or they dont call or write you back at all. We are officially living in the house now and they still have not released the money or contacted us. We have asked for the rest of the money plus the interest earned while they were keeping the money but we never hear from them. We have had to borrow money and cash in 401 documents and cash in mutual fund documents etc. all of which we will have to pays thousands of dollars in taxes on all because they would not release the money in time for us to pay the builder. I dont know how they get away with treating their customers like this. We have no choice who our mortgage gets sold to and maybe none of them are any better but this whole experience has been made 100 times worse because of how NewRez chose to do things.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 TRANSUNION HAS SOME ACCOUNTS ON MY CREDIT THATS NOT MINE AND THEY REFUSE TO DELETE.

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 2021-05-12
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an old medical account in which Transworld system picked up i called and asked if i paid the debt will it be removed from my Credit report they stated yes pending payment this was now 3 yrs ago an it has a negative impact on me trying to purchase a house. The company is refusing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I became unemployed in  XXXX  and there is credit insurance on my account. The company is hounding me for the past payments despite this. I 'm willing to continue paying, but need them to work with me. I am now in a position at reduced pay. They have violated the FCRA by identifying the debt to third parties and making threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received an alert of a new derogatory collection placed on my credit. The collection agency is I.C. System Inc. The original creditor is XXXX XXXX in the amount of {$1000.00}. In XXXX, I settled all my derogatory collections in order to repair my credit including XXXX/I.C. Systems. I paid it off completely. I was shocked and extremely frustrated when I received this alert. When I contacted I.C. Systems. They described the debt and it doesn't and never has applied to me. Please 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 2021-10-27
Company: EQUIFAX, INC.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX I was sent a phishing scam that allowed access to my coinbase account. Although I acted quickly to disable my account, approximately {$170000.00} worth of digital currency was converted to XXXX and sent to a wallet without any in house measures by coinbase to stop or cease the transaction. I tried calling them, filed a complaint, but they have no live agents, or automated methods to help me, and have not contacted me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: MD
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:
Equifax Fail to follow Federal law and not notifying In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.in which i was not notify. that this account from XXXX was recent deleted from my credit report and now XXXX XXXX XXXX, pleace this same account back on my credit report i was not notify. also XXXX and XXXX card over and over stating verified after disputing over and over unacceptable by Equifax these company didnt provide contact with my signature as anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 already reached out to the credit bureaus and to CAPITAL ONE BANK USA N and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2022 I purchased picture hooks from HSN which made claims that the hooks were reusable and that the smaller hooks held a total weight of 11 lbs while the larger hooks held a total weight of 18 lbs.I recently went to hang a picture in my family room which when weighted was 36 lbs. So I used 3 of the larger hooks which the combined total weight was suppose to be 54 lbs to hang the picture. Well approximately 1 hour later, I heard a loud crash my picture had fallen off of the wall damaging the frame and the glass. I called and spoke with HSN on XX/XX/2022 to reference the false advertising for the hooks and my damaged artwork. I requested for them to have my artwork repaired, they in turn offered only {$25.00} dollars for compensation. I stated to them that the offer was unexceptable. I requested from their their corporate staff that they need to have the artwork repaired at their expense. 

Please see collaborating documentation Your assistance would be greatly appreciated Your truly XXXX 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 2022-09-10
Company: EQUIFAX, INC.
State: WA
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 ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX Bankruptcy Ref # XXXX, have violated my consumer rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out I had a judgement/lien placed on my home by XXXX, XXXX, XXXX XXXX   XXXX, XXXX. back in XX/XX/XXXX. The only reason I found out was through a Title search company. That company is acting on the behalf of a person who may be interested in the property ( which has no value ) That title company without my knowledge contacted the XXXX, XXXX, XXXX XXXX XXXX, XXXX. to obtain a payoff amount. I later found out the details of this debt steaming from a company called " XXXX XXXX XXXX '' XXXX XXXX XXXX was purchased by Paypal Inc and assumed the debt. The original debt was {$3000.00}, evidently XXXX, XXXX, XXXX XXXX XXXX, XXXX. filed a judgement against me and sent a court appearance to my home. I was not aware of this court appearance my son who is XXXX and since deceased may have signed for it. I am in poor health and rarely left my room. Since I did not appear the judgement was found in favor of XXXX, XXXX, XXXX XXXX   XXXX, XXXX. back in XX/XX/XXXX. Since then this judgement has accumulated interest and now has a balance of over six thousand dollars. I contacted them the first time in XX/XX/XXXX and explained the entire situation, they only offered that I make an offer to settle. Even though I did not have knowledge of the bill I asked to pay the original XXXX XXXX dollars. They notified me the next day that their client Paypal counter offered for {$4500.00} and that agreement was good until XX/XX/XXXX. I however got sick and was hospitalized and never was able to make the agreement. I called back in XXXX and explained the situation again, this time a representative of XXXX, XXXX, XXXX XXXX XXXX, XXXX. informed me that I had other options being a victim of identity theft. I filed the affidavit on the federal government website and sent XXXX, XXXX, XXXX XXXX XXXX, XXXX. the documents on XX/XX/XXXX. They said they would review this information with their client, I have made several phone calls and emails since and have received no further information. I am XXXX XXXX years old and on a fixed income and have health issues, I am attempting to finalize this situation but can not seem to get any information. When I made the first agreement back in XXXX they had an answer in ONE day to collect money. It is not XX/XX/XXXX and I do not understand why this is taking this amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a Chime account and has had them for over 2 years now. I use the account to pay bills. Now as of today XX/XX/2021, i received an email from Chime stating they are going to close my account on XX/XX/2021. The email did not provide a reason or an explanation. I called customer service and they couldn't do anything nor provide me a reason. 

Horrible company for doing this. Will not use them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capital One offered a credit card & I accepted. I had a good history for several months & then I moved. Notifying them online of my new address. I received a call from a toll free number. I was told it was Capital One & they needed to verify personal information over the phone. I refused & asked to speak to a supervisor . In that process I was disconnected. I tried calling back a couple times BOTH TIMES being disconnected.  <P/> My account was locked out as under possible FRAUD because I refused to give personal information to someone calling me claiming to be from the credit card company & I had no way of verifying that. I finally moved ag ain, back to my original address on file when I opened the acct. I chatted via the cap one website, they asked a few questions to verify me. THe chat box said verfied but I had to contact another dept to unlo ck my card. After some time I connected & was told provide photo ID with the address that matched my acct. I did that days ago! I am still locked out & they claim FRAUD!  <P/> They were trying to force me to share private information in a dangerous setting and I want everyone to know how stupid such actions are! They lost all this business because another bank provided a better card & I just use them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: The Outsource Group, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a medical collection on my report that was paid thru insurance but a collection company is attempting to collect it and has put a collection on my report. I have never gotten a detail for what the debt is for even though i've asked.

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 2021-05-02
Company: AES/PHEAA
State: FL
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 21 federal student loans that are now consolidated. All 21 loans are listed twice on my credit reports with all 3 agencies. First time with the original servicer ( AES, PHEAA, or FedLoan Servicing ), second time with US DOE, and now as the consolidated loan with XXXX. This appears to lenders that I have more than 42 loans and that 42 were in default. My credit scores range from XXXX due to this inaccurate information. The loans have always been federal student loans and should not be listed multiple times on my credit reports regardless of whether I am in forbearance, default, paid in full, or paying as per contract status. Once a loan transfers from one servicer to the next, the previous servicer must contact the credit bureaus to remove erroneous data. I have attempted to dispute with all 3 credit reporting bureaus and with the student loan ombudsmen. nothing is being corrected. This has to stop immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Bread Financial Holdings, Inc.
State: IA
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:
XXXX XXXX has been routinely calling my phone number multiple times per day, often calling from a restricted number. I have stated multiple times I do not wish for them to keep calling me, as I have access to my account online. I live paycheck to paycheck, and sometimes the due date comes a couple days after I get paid. However I have always paid my credit card bills with comenity, if by a few days late. It is extremely annoying to have my phone ring constantly, especially when a legitimate business masks their calls, which I think should be against the FTC guidelines, but it's shady as it is!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX, Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

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