BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
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: Their investigation did not fix an error on your report

Complaint:
this company started reporting inaccurate information in my credit report, and refuse to remove it. I started an investigation on XX/XX/2020 and up today they have not remove all inaccurate information that is hurting my reputation.

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 2015-10-19
Company: Paypal Holdings, Inc
State: KY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I made a purchase online with a company that took Paypal Credit and felt secure shopping because of that and in fact used my Paypal Credit line to purchase XXXX worth of dresses. Of the XXXX dresses I ordered only XXXX came, XXXX were a small and I ordered XXXX and XXXX of the XXXX was ripped in the front of the dress. The seller will not send a prepaid shipping label to ship them back and the cheapest rate I could find so far is XXXX to ship them back to seller in XXXX. Paypal gave me XXXX and stated they have to be shipped back before they can make my balance XXXX and will keep the seller paid until I ship them back and the seller confirms they received them. Paypal says I can not use the XXXX Postal Service bc the seller can receive them and say they did not. I have to use XXXX XXXX and a rough quote has been XXXX and that was an estimate. I do n't feel it 's fair that I have to pay the remaining shipping for items not the right size and damaged and PayPal is not backing me in this ... ... .the last thing the seller in XXXX emailed me was instructing me to use the XXXX XXXX XXXX and do it asap. This whole purchase has been a nightmare ... ..Paypal is very aware of the situation has basically in a nutshell said " you need to ship the items back and prove to us you have '' until then the seller will remain paid and you have a balance you have to pay us ... ... ... I will nit be paying them, I have dresses I ca n't use and do not feel it 's fair to pay the high shipping cost to get them back to seller and yet they have been paid and will remain paid according to Paypal Credit unless I do ship back to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX  so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as 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 non-monetary relief
Consumer complaint received 2016-10-01
Company: Home Loan Center, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I was exploring a refinance of my car loan and clicked on an advertisment for LendingTree to get an idea of rates. I was made to believe that I would see rates before I asked for my credit to be evaluated. I was only asked for the last XXXX of social security number, used when making soft pulls on credit but never hard pulls which require the full social security number, and never told that I would have hard inquiries placed on my credit report. Instead, LendingTree sent my information to several 3rd parties who then all made hard inquiries on my credit reports. I have XXXX from XXXX on my XXXX report, XXXX from XXXX XXXX XXXX - XXXX on XXXX and XXXX on XXXX - and XXXX each on XXXX from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: PHH Mortgage Services Corporation
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I have an active complaint, XXXX XXXX. The mortgage company sold my property after erroneously stating that it was in litigation. This is in violation of the law. I need assistance to go after PHH Mortgage Company for conducting mortgage fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Home Loan Center, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from a collector saying i owe a payday loan from 2011 for XXXX. I never took a payday loan ever

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Fidelity National Information Services, Inc. (FNIS)
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:
It is the second dispute that I have made to this agency, where there is wrong and unauthorized information, they did not provide me with evidence proving that said information is mine or authorized by me. ChexSystems, I must also conclude that you are reporting this information in error. 
Please note that your failure to respond to my request is a violation of the Fair Credit Reporting Act, as well as the continuing list of inaccurate and unverifiable information. 
information in my file. Unless I am notified otherwise within 30 days of receipt of your this notice, I will conclude that you and have waived all claims in this matter and that the matter is definitively closed. 
Similarly, if it is not removed from my ChexSystems file, I will file a lawsuit in small claims court to recover damages for your continued violation of the FCRA. 
Please note that this communication, for purposes of 15 USC 1692 et seq, has the same effect as a dispute over the validity of the alleged debt. This communication is also dispute over the validity of your claims related to. 
This communication has been sent in an attempt to correct your records and preserve my rights under the FCRA. Any information obtained from you will be collected as evidence if this matter remains unresolved. Please note that this letter is a request for information only, and is not a statement, election, or waiver of status.

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 2022-10-11
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My family just recently lost my grandmother and its taken a toll on my family, my brother and I were in hopes of adopting a dog for her. We were working with this adoption group on XXXX, they helped us find a puppy and were walking us through the process. Puppy would be transported to us, and we sent the first half of money which was {$450.00} then after getting a confirmation email, we sent the second half, {$400.00}. This was the agreement we agreed on as we were trying to make sure it wasnt a scam. It turned out to be that the transportation website they used for confirmation email is fake, but I had not figured this out until after everything went down. When I went to follow up on puppy aftercare instructions after we got confirmation email as we waited for puppies arrival, they blocked me on XXXX so that I could no longer contact them. This was the moment I found out this was a scam. 

I had messaged other previous buyers prior to sending over payment and they all had amazing reviews on the admin. Once I realized I was scammed, these multiple accounts had me blocked as well. Assuming they were all ran by the same person, they mustve been logging into these accounts and acting as other people. 
Once I found out and accepted I had been scammed, I did my research, come to find out multiple individuals have been scammed by the same XXXX. They lost a bunch of money as well, and they are trying their hardest to make everyone aware of this scam XXXX by posting all over social media. This upsets me as we should all be getting the help. 

This is really upsetting for me because my brother and I were just trying to do something nice for our mother. I do not work a full time job, as I am only a part time barista making coffee. This was money coming out of my own pocket and unfortunately got taken. If there is anyway you guys could help me and maybe even stop any further scams with these people I would appreciate it so much. I had contacted my bank and they can not help me receive my money back as I hoped for, but XXXX in high hopes we can get this scam and fraud to stop. 

I have messages and proof of everything with the XXXX, pls contact me if you would like more in depth proof as they have person information in them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX, XXXX Transunion, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!

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 2017-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Around XX/XX/XXXX or XX/XX/2016, I had received a bogus billing from XXXX # XXXX regarding a {$230.00} bill with XXXX. I immediately called XXXX @ XXXX, explained that I had never had an account with XXXX XXXX and received their statement that their records would be corrected and the matter would be resolved. Shortly thereafter, I received a bill from my XXXX Credit Card and I noted that my XXXX d fallen about XXXX points to the XXXX range, so I ordered my free credit reports from the XXXX credit bureaus to investigate the situation. I received the credit reports and noted the bogus report from XXXX on XXXX reports, XXXX & TransUnion, so I filed disputes with both companies XXXX had the item deleted, but TransUnion just added a note that " acct was disputed by Consumer '' with a removal date of XXXX. On XX/XX/2016 I filed a second dispute with TransUnion and n XX/XX/2016 I sent a formal complaint to XXXX, with no reply to date. My XXXX score remains at XXXX, due to this bogus reporting by XXXX. Your assisting in deleting this bogus report from my TransUnion account would be greatly appreciated! Sincerely 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 2021-01-07
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase Disconnected my account and deleted all the corresponding verification emails. This company has a history of unethical and deceptive tactics as well as zero human customer service interaction. The CEO is a billionaire who I have my own suspicions about. This is the second time they have costed me over XXXX $ in damages. They freeze and suspend accounts for their own personal profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My wife and I filed a Complaint with Macys Credit Card ( Case number : XXXX ) which was successfully resolved ; however, now it has come to our attention that Macys has taken action against my wife and I and have closed our Credit Card account without warning and without justifiable cause and this has caused us great harm in terms of our availabile credit and credit reporting ; therefore, we want to know why Macy 's has taken this action against us due to our original complaint the reason for closing our account when our original complaint did not mention anything of requesting to close out our account and just to give us back our money owed.

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 2022-10-11
Company: EQUIFAX, INC.
State: MI
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:
The collection agency has stated that it has ceased all collection efforts, yet Equifax is continuing process and persist updated derogatory information for the account/tradeline. The XXXX XXXX has stated they have CEASED ALL collection efforts for the account. Moreover, the collection agency is not licensed to collect on debt in my state. That means the collection account/tradeline should not be on my credt file -- period. An account can not legally be reported as a collection account with a collection agency if the collection agency can not legally collect on accounts in my state. Moreover, they can not engage in actions that violate the XXXX, which happened in this particular instance. The reason my particular state requires licensure to collect is to PROTECT its residents from unfair and unlawful practices. XXXX XXXX XXXX discrimination is unlawful. Collecting on accounts without a license to do such within the sovereignty of a state that requires a license to do such is unlawful. It then follows that furnishing information that is/was generated in comission of unlawful actions is a material violation of a data furnisher 's responsibility under Regulation V. Likewise, a Consumer Reporting XXXX , that knowingly and willfully persists information generated/obtained/and received as a result of unlawful activity is a violation under Regulation V.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as the Transunion. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XXXX 2016.

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 2017-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was n't able to view my free credit reports.

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 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I informed TransUnion that I had an account with XXXX which I paid the settlement amount and was given a verbal agreement from the company that the account would be updated to show paid or deleted. XXXX has followed through. This credit bureau needs to do the same.

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 2022-10-11
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: Personal information incorrect

Complaint:
Hello I checked my credit report and there are several wrong addresses on the credit report XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX 2008 XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, 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 2020-03-14
Company: EQUIFAX, 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:
XXXX XXXX / XXXX  XXXX  XXXX  XXXX Account : # # # # # XXXX / Balance : {$370.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Trans Union LLC failed to properly investigate and/or reinvestigate to my previous dispute letters, which I provided compelling and substantiated documentation and evidence of aggravated identity theft and fraudulent accounting in connection with XXXX adverse accounts identified in my credit files. Both accounts identified in these report are not mine due to aggravated identity theft and fraudulent accounting by Furnisher and/or XXXX-party ; to wit : XXXX FORMERLY XXXX and XXXX. See attached report with my comments annotated by each discrepancy. Bureau of Consumer Financial Protection Case No. : XXXX submitted on or about XXXX XXXX, 2015 is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I had a Home Depot credit card for which is being issued by Citibank N.A . for which I am disputing the balance of {$100.00}. For many months I am getting statements that I owe money for a credit card for which I had but is closed now for which I called Citi Bank last year several times disputing the interest charge that started out to be about {$7.00} or so and every month I was getting charged interest and late fees. No matter how many times I tried to dispute this balance I was not able to resolve the issue. Some time last year I participated in survey for which I gave negative feed back for which Citibank was not happy being I then received an email of which had incomplete information. I responded back and received another email. I called the representative several times left messages being I was not able to reach her. I finally received a call back from another representative whom I could not talk being I was busy trying to take care of something serious. when I tried to call back unfortunately, I had misplaced my documents with the telephone numbers and the names of the representatives. In XX/XX/2016 I left for XXXX due to a family emergency and while there I received two telephone calls from Citi Bank for which I missed but called them back after the second call. I attempted one last time to resolve the billing dispute but unfortunately the representative refused to resolve the problem. I spent about 15 minutes or so on the phone for which my cell phone carrier had charged me for those calls and they were not cheap calls. Recently, I pulled my credit reports for which had negative reporting from Citi Bank for not paying the balance that started at {$7.00} and now has reached {$100.00} being today I received a collection letter from XXXX XXXX XXXX demanding this balance. I am sorry but I will not pay Citi Bank not one dime being they have refused repeatedly to resolve this problem months ago. Had they resolved this matter months ago I would not now have to file a complaint against Citi Bank who is ignoring me and my complaints. They have destroyed my credit of which is really uncalled for. I expect them to remove all the negative reportings and wipe out this balance. If Citi Bank does not resolve this matter immediately I will then have no choice but to take legal action against them of which is going to cost extensive legal fees. I am really upset and frustrated that Citibank destroyed my credit after I have been working very hard to keep it in great standing. Please investigate my complain. Please feel free to contact me if you have any questions in regards to this matter. Thank you Ms 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 monetary relief
Consumer complaint received 2022-10-11
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The person using my name had two different accounts with XXXX XXXX for cable service for the address, XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX, and owes {$410.00}.

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