BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-20
Company: Williams & Fudge, Inc
State: VA
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:
In 2013, I was attending XXXX XXXX XXXX - XXXX XXXX, VA to become a XXXX and wound up being XXXX ( non voluntarily ) less than 30 days into my second 4 month period. I had already paid {$2100.00} plus {$100.00} admin fee for this period of instruction. The total cost for the 4 month period was stated to be {$4200.00}. 
XXXX alleges I owe them {$210000.00} for the four month period of instruction, but no services were delivered for this charge since they disenrolled me. Actually, a refund is due to me in the amount of {$640.00} based on a pro-rated tuition. I have submitted XXXX written responses to XXXX and their debt collection services and have never received a response acknowledging my letters and claims. Instead I keep getting threatening calls from their collection services that I owe them money - this has been going on for XXXX years now and I want them to answer my letters, pay me back the money they took from me, and STOP harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 retrieved my credit report and I noticed several inquiries that I did not authorize. I sent a letter to the credit bureaus about these inquiries. I never received any response.

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 2022-09-08
Company: I.C. System, 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:
I do not owe any Debt nor Have I ever had an Account with " I C SYSTEMS COLLECTIONS '' I have Resolved this matter With the Original Creditor. 

To Whom It May Concern, I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days. Sincerely,

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Report act XXXX  Accounts DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX # XXXX, XXXXXXXX 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, 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 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 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 2022-09-08
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made a money transfer in western union on XX/XX/2022 to a family member of {$200.00} US Dollars out of the country but they couldnt get the money so i cancelled the transaction and never received the refund and they said that my money never got out of my account but i got proof that it was charged and my bank said to me that in FACT i was charged and CONFIRMED that i never received the refund and also the amount that they charged was of XXXX US dollars when the transfer that i tried making was of XXXX US Dollars Then i called western union again on XX/XX/2022 and they told me that the money was still in their system and told me to call again on XX/XX/2022 because they were reviewing the account and Now theyre saying that my bank is holding the money and that they cant do anything, so i called my bank again and theyre saying that theyre NOT holding my money but that WESTERN UNION still has my money on theyre account, i would really appreciate if this can be fixed, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am making formal complaint against XXXX and Equifax Credit Reporting. 
I have paid XXXX XXXX Bank in full and I requested for these Credit Reporting Agencies to delete XXXX XXXX Bank off my Credit Report and they have refused believing XXXX XXXX Bank that I still owe them {$260.00}. I owe XXXX XXXX Bank nothing. I was a good customer and paid my credit card bill in full every month and than XXXX XXXX Bank came up with a bogus Idea of Fraudulent Activity on my account and suspended the account untill I could prove the account was mine. XXXX XXXX Bank was n't making any money in interest on my account so therefore they want to get rid of my business. I want an investigation into Equifax and XXXX Reporting Agencies and also XXXX XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 2022-04-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. 

How can the Credit Bureaus verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. 


Thank you for your time and help in this matter. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, 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:
I am filing this complaint against Equifax for reportin g four  accounts on my credit report that do not belong to me. They were all opened in   XXXX   and they appear to be medical related debts. What I do n't understand is that they are only being reported on Equifax at this time. There is n't even a name to identify where they are coming from!     I am attaching a section from a recent report which shows how only Equifax is reporting them to my credit. The first account has an account number of  XXXX  with a balance of {$870.00}. The second account has an account number of  XXXX  with a balance of {$1200.00}. The third account has an account number of  XXXX  with a balance of {$4800.00}. The fourth account has an account number of  XXXX  with a balance of {$1000.00}.     According to the notes on my report, they are coming from someone else 's overdue hospital bills but they keep getting placed on my credit! Where and how is Equifax coming to the conclusion that they belong to me?     They are compromising my personal information by reporting someone else 's accounts on my credit and the worst part is that they are refusing to remove them because they are concluding that they belong to me. This can not be possible. The credit reporting agencies have reported other persons ' accounts on my credit before just because we have a similar name. This is what is happening now and I suffering unjustly because of it.     To this date, nothing has been done to properly substantiate and remove these accounts from my credit. I am in the process of filing a police report to help address this issue because I am not responsible for any of these debts.     This is a request for validation and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My complaint is with Equifax. I 've reached out to Equifax customer services and more than four times regarding unauthorized hard credit inquiries reflecting on my credit file, some even showing two/three times a day apart. I was advised to contact the companies and advised them to remove the inquiry ; however, when contacting the companies they did n't see the inquiries on their end nor did they have acct information on me. When calling Equifax back the rep informed me she could/would not be able to assist me and I would have to simply wait it out and let it fall off. 

Unauthorized hard inquiries XXXX XXXX - inquiry date XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I have been a victim of fraud in the past with online attempts of applying for a credit card. I 've filed a police report in XXXX and even assure the fraud alert in on my credit report. I 've informed the rep of this information and she still declined to assist me. I asked for a supervisor and was placed on hold and eventually hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: CITIBANK, N.A.
State: NC
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:
My name is XXXX XXXX and I am from XXXX, NC. On XX/XX/XXXX, I ordered online the item listed below ( an antenna for my TV ). 
I kept checking the status of my purchase but I find out that it was delayed, so I never received it. 
On XX/XX/XXXX I called the XXXX to ask about my order 's status and I was told the item got lost. They started an investigation but never heard back from them again. They also told me to call Best Buy. 
I contacted best buy via email, on their website several times and also called the customer service. 
I want to let you know that I am getting a bill every month for the item purchased. I used my husband 's best buy credit card, so I called them to let them know I will not pay the bill because I didn't get the item. The bill is in his name not in my name - XXXX XXXX. 
Last time I talked to Customer Service - Best Buy was XX/XX/XXXX @ XXXX. 
I learned that my item got lost, so I requested the order to be cancelled and not to send me a bill anymore. 
They asked me how I paid it, told them I used my husband 's best buy credit card and also let them know that my husband passed away in XX/XX/XXXX. 
At that time I was told to wait 7 to 10 days for the probate department to call me, but I never received a call. 
Today is XX/XX/XXXX and I am still getting the bills with late fees to pay. I can not pay the bill. I never received the antenna, nobody got in touch with my about the status of the order or the investigation. I feel like I am taking advantage of. 
Please help me with this and advise me what to do. 

Thank you XXXX XXXX XXXX XXXX Order Details Print Purchase Date : XX/XX/XXXX Order Number : XXXX Total : {$32.00} Show Payment Details Shipment Delayed WARN Warning XXXX  Logo Delayed We're waiting for XXXX to provide a new delivery date. 

Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX US Mon, XX/XX/XXXX in XXXX XXXX  NC XXXX XXXX 

We've begun an investigation to locate the package. We've begun an investigation to locate the package. 

Tue, XX/XX/XXXX in XXXX FL Sun, XX/XX/XXXX in XXXX FL XXXX  Logo XXXX  Tracking Number : XXXX Tracking info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SKU XXXX XXXX Quantity : 1 Item Total : {$32.00} Product Price : {$29.00} Sales Tax, Fees & Surcharges : {$2.00}

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 2016-09-22
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XXXX XXXX. Before it was transferred I was working with XXXX on a loan modification. I had to reapply for a modification when it was transferred to Shellpoint. I submitted a complete application including my social security benefits I receive for my XXXX children. They kept insisting that I have my XXXX minor children sign a contribution letter saying they contribute the social security to the household income. Finally after months of battling with them they finally agreed that minor children can not sign a document like that and accepted my social security as income. In XXXX XXXX, I received a denial letter stating that I had been awarded a loan modification but it was cancelled for failure to make the first payment on time. I immediately called and explained to them that I never received any information regarding a loan modification. They told they had mailed out a package in XXXX XXXX. On XXXX XXXX, XXXX I received a letter dated XXXX XXXX, XXXX stating I had been approved for a modification, but the envelope was postmarked XXXX XXXX, XXXX, so clearly they mailed it after the conversation I had with them. They refused to allow me to make the payment to accept the modification because it was past due date. I immediately reapplied for another modification but this time was quickly denied because my modified payment would be higher than the original payment. I appealed this decision 3 times with documentation from the Making Home Affordable Handbook supporting my appeal. They still denied me stating that my investor would not allow a HAMP Tier 2 or streamlined mortgage. I contacted them again asking for a repayment plan. I was told they were ordering foreclosure fees and costs and would email the repayment plan. Instead they mailed me a foreclosure notice with a foreclosure date. I contacted them regarding this and I was told that my appeal was denied for failure to submit documents and it had nothing to do with the investor. My loan is owned by XXXX XXXX and i asked if I was reviewed for a XXXX XXXX modification. They refused to answer the question but instead repeatedly told me I was denied for failure to submit documents. When i told them I had a letter from them stating I was denied due to investor restrictions they continued to tell me that was not true. They still will not tell me or provide me in writing the exact modifications I was ever reviewed for. At this time I currently have a foreclosure sale date and I have submitted yet another application for a loan modification. After each denial they have never offered a repayment plan or any other foreclosure alternatives even though I have requested them. At this time, I feel that they have not helped me in any way and in fact have led me to the point that I am at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PAYPAL ACCOUNT On XX/XX/2017 I initiated a transfer of {$100.00} from my personal bank to PayPal. On XX/XX/2017 my funds showed as " Available {$100.00} '' in my PayPal account. I attempted to purchase an item eBay for {$94.00} on XX/XX/2017 and XX/XX/2017 numerous times but an error said " Pay Pal not an option ... contact PayPal ''. After hours on the phone with PayPal and eBay NOTHING WAS RESOLVED! I am now requesting PayPal refund the money back to me in the form of a CHECK. When I do this an error now shows up saying " Not a Valid Billing Address ''. I ONLY HAVE XXXX ADDRESS ON FILE WITH THEM AND THIS IS THE ONLY ADDRESS I HAVE EVER HAD ON FILE WITH THEM. I have unlinked my bank account with them as I am concerned about security. I continue to get canned generated emails back from them that do not address the problem. Please provide me with your assisstance in getting my money back from this fraudulent company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ftc violations attach documents also attached the violations committed

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