BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
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: Information belongs to someone else

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. This is my multiple endeavor to tell Transunion that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown item must be deleted : XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX .... Date Opened XX/XX/2020 Balance {$1000.00}

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 non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 called and spoke with all three consumer reporting agencies about this account with grain reporting inaccurately. The company mistakenly reported A late payment & emailed and advised the late payment would be removed and it has not been removed as of yet. The balance is also reflecting XXXX and the balance is XXXX. I have attached both the letter reflecting the balance is XXXX & the email stating they agreed the late payment was in error and should have been removed. I am in the process of purchasing a home and this is effecting my closing date and I have called and have had no luck getting this resolved with the three consumer reporting agencies. I was informed by grain the reporting agency may not reflect until XXXX however, I submitted the dispute to have them verify the correct information now as I can not wait another month while inaccurate info is still being reported. The disputes came back valid and was not corrected.

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 2022-03-31
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/2021, I went to the emergency room for XXXX like symptoms at XXXX XXXX XXXX. I was very XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was elevated and I was unable to drive to XXXX to the VA Medical Center. I attempted to make payments and since the account balance I have struggled with XXXX and XXXX and have stopped working. I'm not XXXX XXXX XXXXXXXX and now attempting to live on a fixed income. I initiated a call to XXXX XXXX today and spoke to XXXX and was advised that my account was sent to Collections : Credit Control : I never received a call from XXXX XXXX or any letters and if so I would like to see proof of such. I also didn't receive any letters from Credit Control stating they are servicing an account for me. I thought the Medical Accounts due to possible XXXX exposure could be forgiven? It's sad that someone that has served this country is being threatened to have such a small bill placed on their credit by XX/XX/XXXX or pay 30 % of a balance which I don't know is even correct.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Penn Credit ( PC ) has been excessively calling / harassing my home multiple times daily/weekly/monthly for over 4 months from Monday thru Saturday from XXXX XXXX to XXXX XXXX Their calls disconnect when my answering machine turned on. Therefore, I do not know the reason for the call because they do not leave a message. I was forced to buy a phone with a block feature ( XXXX  recommendation ). PCs phone number is blocked, however, they continue calling. My first recorded date when PC began calling my home was XX/XX/2018 at XXXX XXXX from the phone number XXXX. The most recent recorded date is XX/XX/2018 at XXXX XXXX My wife XXXX and I have been the only residents here for the past 10 years. We do not have nor had any debt. I am registered on the do not call list. I was advised the contact your agency. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Paypal Holdings, Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PayPal keeps taking money out of my account and nobody can tell me why. Ive deleted my PayPal account and havent used it in almost a year. So why does PayPal keep taking money from me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: TX
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 called and spoke with all three consumer reporting agencies about this account with grain reporting inaccurately. The company mistakenly reported A late payment & emailed and advised the late payment would be removed and it has not been removed as of yet. The balance is also reflecting XXXX and the balance is XXXX. I have attached both the letter reflecting the balance is XXXX & the email stating they agreed the late payment was in error and should have been removed. I am in the process of purchasing a home and this is effecting my closing date and I have called and have had no luck getting this resolved with the three consumer reporting agencies. I was informed by grain the reporting agency may not reflect until XXXX however, I submitted the dispute to have them verify the correct information now as I can not wait another month while inaccurate info is still being reported. The disputes came back valid and was not corrected.

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 2022-03-31
Company: EQUIFAX, INC.
State: FL
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 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXXXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
2016 MidLand Agency for XXXX XXXX, is claiming I owe but I paid them in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: The CMI Group, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX 's collection company " CREDIT MANAGEMENT LP '' in XXXX about this supposed debt " on my name ''. I've never been a XXXX client. I informed them there was no possible way the debt was mine, but they insisted it was my account ( it's not ). They've somehow provided my full social security number, but incorrect date of birth, when I asked to verify the account info. I informed them again that the debt was not mine, I have never been a XXXX client, and that the debt was from someone else. I've had a similar situation before where they tried to collect my father 's debt, who has the same name as mine, from me. The situation was escalated all the way to XXXX, who eventually removed the debt collection from my name. But this time, they somehow had my social security number attached to this debt, despite the fact I've never been XXXX 's client. I have a feeling CREDIT MANAGEMENT LP is commiting identity fraud against me to try to make me pay a debt I do not owe. I disputed the account with XXXX, but they have refused to remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I defaulted on my Navient loans in XXXX and rehabilitated them in XXXX. As part of the federal loan rehabilitation program, all Negatives would be removed from my reports. Navient has unreasonably refused to remove the negatives on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: PR
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: Problem with personal statement of dispute

Complaint:
I found out in XX/XX/XXXX that a collections account was added to my credit report. When I looked at my credit report, I found that it was from a medical office. I never received any correspondence or phone call from the medical office or the collections agency that this bill existed. My credit is ( was ) perfect and I always pay my bills on time, so I was shocked when this showed up. 
I reviewed and followed the procedures on the CFPB web site and sent ( via certified mail ) a debt verification letter to the collections agency asking them for a debt validation letter. I waited 30 days past the date the letter was delivered after never receiving a response. 
I then proceeded to send all 3 credit bureaus a copy of the debt verification letter, a statement about what occurred ( that I was never contacted ), and under the Fair Debt Collection Practices Act, requested that they remove the collection account from my report. 
I called Experian on XX/XX/XXXX asking if they received my letter. They had not. When I explained what happened, they said they need to initiate their own dispute and reach out to the creditor to verify it themselves because they couldn't trust what I did. I told them not to do that. 
I then received an alert the next day that a dispute was created. I called Experian and they said they received my paperwork, but needed to open a dispute, because again, more or less, my proof can't be trusted. I asked them to remove the dispute. I know the difference between disputing and removing. 
Meanwhile, XXXX removed the collection from my account, no problem. I know Experian is not following the proper procedures for this situation and I did what I needed to do.

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 2020-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After 3 months and providing all required and qualified documents and assets needed to close the Refi they told me that they can't close on conforming loans any longer. Thus, they extended the closing date to mid-XXXX and turned the loan into a " non-conforming loan '' and asked for substantial assets that needed to be provided which I met. 

Despite meeting the new assets requirements I was still denied due to a non-disclosed internal timeline. I asked the loan agents and Fulfilment department to disclose these with me in writing but they never did. _- Please note that I provided all required documentation asked from me within 24-48h and that a delay of over 2+ months occurred as loan agents and underwriters didn't move forward in the process, never responded, couldn't find or upload documentation I provided to them, and so forth. 

This " process '' has been malpractice from the beginning. As mortgage rates went up during the process and as there is nothing to gain from my Refi, Wells Fargo intentionally delayed the process, added more miscellaneous requirements ( without proof in writing ) to the process only to deny the loan. 

All of the loan agents I talked to are the epitome of bad customer services and dubious business practices. I would like all ( long-term ) clients to know that Wells Fargo is not able nor willing to Refi any conforming loans unless you have cash assets to cover 12 months of mortgage payments, insurance, and property taxes ; son on average $ XXXX $ XXXX. ( which I have ). Even if clients meet these " new requirements '' which are never disclosed in writing despite numerous attempts customers may still be declined. Meanwhile, other Banks and Brokers are providing in-house appraisal and allow clients to refi using the standard conforming loan. 

Long term clients are given the run-around, being lied to, and questions to reveal terms and conditions simply denied. I am seeking an immediate investigation into the Loan Processing Department and Wells Fargo to reveal on their websites that they are not able to provide confirming loans and revel the terms of conditions of the non-conforming loans. Clients who wish to close on time and save money, especially during these times, should not waste their time and money and know what to expect.

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: EQUIFAX, 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 information incorrect

Complaint:
My Name is XXXX XXXX I have requested some form of paperwork of legal docs supporting the claims of the following accounts : XXXX XXXX XXXX, XXXX XXXX. This is the 3rd time I have filed a complaint over the unknown account on my credit file. 
It is well known that FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for theseissues, and that section 621 of the FCRA supports my request in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Notice sent to me from, first : Southwest Credit Systems for an unpaid amount of {$130.00} for XXXX XXXX. Then Southwest sent that to a collection AGENCY called XXXX, XXXX XXXX XXXX, XXXX, FL XXXX reference # XXXX. Amount {$130.00}. XXXX says I do n't owe them any money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On  XXXX / XXXX / 17 , I went to my normal ATM to make a fast cash withdrawal.   I was asked if I wanted to check my balance. I had never seen this before. I clicked yes because I did not think I could proceed to make my transaction unless I did.   Then when it was time to make the withdrawal, I was informed I had a  XXXX  dollar withdrawal fee because a different ba nk ( Citi ) now contr olled the ATM, not my bank (   XXXX   ).   I immediately cancelled the transaction. However I was charged  XXXX  to check my balance. I was never informed there was a fee to do this. I feel I was led to check the balance to complete the transaction, though I did not care if I checked my balance or not.   This was highly deceptive and I am upset about it this fee. I do n't know who to contact becaus e Citi is not my bank. While it is n't a lot of money, it is the deception and knowing they are doing it to lots of people. I came home and my husband had the exact same thing happen the day before. He cancelled the withdrawal as well. Please do something so people ( Tens of thousands I am sure ) know this is happening every day.

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 2022-09-12
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; US XXXX  XXXX XXXX XXXX Balance {$5100.00} ; US XXXX  XXXX XXXX XXXX Balance {$3100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRUSTMARK CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My father ( XXXX XXXX XXXX XXXX ) died XX/XX/2020 at XXXX Hospital XXXX MS . Mother went into Trustmark National Bank -- XXXX MS -- XXXX XXXX XXXX XXXX XXXX. Spoke with XXXX XXXX while presenting Funeral Bill who requested a Death Certificate. On XX/XX/2020 mother returned with Death Certificate and still Mrs XXXX refuses to release the fund to pay for funeral bill. Trustmark and it reps show to be insensitive and be taking advantage of a vulnerable adult who's grief stricken. Trustmark should show a little compassion by the releasing of the funds in the account with my father 's name attached as primary account holder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an account in Regions bank. I lost my card and come to find out I had  XXXX  stolen from the atm using my pin and I do not know how it happened. I am suppose to be protected. They declined my claim a few times and now trying to contact corporate. I just want my money back.

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