BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$2100.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$810.00} Opened XX/XX/XXXX XXXX XXXX {$1400.00} Opened XXXX  XXXX, XXXX XXXX XXXX {$780.00} Opened XX/XX/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 2016-10-25
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX University signed me up for classes without my knowledge. I was under the impression that I was waiting on a student loan to be approved. I had told them this. When the loan finally went through, I emailed them to register for classes. They never responded. 

They sent me to collections for tuition never paid for the classes they registered me for without my knowledge. I told the collections company that I had never registered and provided them with my correspondence that was never addressed. They acknowledged the error and told me they 'd tell the original creditor. I thought it was resolved. 

Today, three months after talking to them and providing proof the debt was not legitimate, I found out they have been reporting this to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home insurance is supposed to be paid by the escrow account. I have made payments on time and the account has adequate funds for this. However, the company did not make payment in time. I have until the XXXX  or my policy will be cancelled. 

I contacted the company via email but they have taken days to response. The phone line is always busy and I was not able to get on the phone with anyone regarding this. It appears they are evading the issue. I have asked them to contact me instead.

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 2021-11-12
Company: EQUIFAX, INC.
State: NV
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:
While applying for a home loan, the lender was unable to pull a credit report via Equifax. Equifax is showing a fraud alert/block, which is not allowing my lender to pull a report. I have called Equifax several times and have even faxed in my driver 's license and social security card in order to verify Equifax is reporting all information accurately. They have told me they are, but my lender is STILL unable to pull my information. 

XXXX contacted their lender member services and verified via XXXX ( Case # XXXX ) that Equifax is reporting both my maiden name ( XXXX ) and my social incorrectly. 

I attempted to call back Equifax to have the matter resolved and they confirmed that the social and the maiden name are reporting. 

However they still have not resolved the issue. This is causing a delay in moving forward with my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or about XX/XX/2020 I filed a dispute with Paypal about one of their merchants. I provided Paypal with massive amounts of information supporting my claim. They took well over 10 days to respond to my dispute without reviewing my documents and decided to close it. I appealed it and they came back with another closed case. Their reason was I chose the wrong dispute reason. I tried to change the reason and Paypal only gave me one option to choose and I chose it. After having done that It took them less than 10 hours to close the case permanently. I called and they have no customer service agents, I even sent a message through their online message portal and I have gotten nothing back from them regarding my dispute. What happened was on XX/XX/2020 I purchased a service from one of their merchants in the amount of XXXX. On XX/XX/XXXX the merchant canceled the service and did not return my funds. I contacted Paypal about it and they have not been willing to work with me at all. I can speak to no one, chat with no one, I have contacted the merchant and they are non responsive as well. PayPal is supposed to be a safe and secure way to pay for items and I have taken advantage of by their merchant with no resolve from them. I am contacting CFPB for help in this matter as Paypal had neglected their oath as a responsible party in this matter. Paypal gets a cut of the money I extended their merchant I am just trying to get my funds back. That is all seems like extortion. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Evidently someone somewhere had a card in my name that i knew nothing about. I had caused great negative harm to my credit report. I got a civil summons to go to court and thats when i started investigating. Now XXXX XXXX and equifax  is saying it its me. Who is going to repair my credit score? It has dropped nearly 200 points due to this. Please see attached images.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 I opened a Venmo account for the purpose of exchanging money with coworkers when purchasing food. On XX/XX/XXXX my coworkers sent me XXXX dollars. After that, Venom suspended my account and I have been unable to use it. After numerous emails with Venmo support, I provided a picture diver 's license. Venmo has requested 90 days of Bank statements. Being an overreach of privacy I refused and provided bank account numbers and Debit card Numbers. To Date, XX/XX/2021 my account remains frozen, with only automated replies to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Radius Global Solutions LLC
State: WA
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:
Per request of XXXX XXXX ext XXXX, we have faxed proof that this payment was paid multiple times. XXXX a manager at Central Credit Services is saying that they ca n't find proof in their financial records that they received this payment contrary to our bank records showing proof of payment to " CENTRAL CREDIT SERVICES. '' Central Credit Services responded to my complaint saying we must call XXXX directly with a banker on the line to verify with an authorization code. We 've attempted to call on 5 various occasions and left multiple messages. We have documentation of phone calls as well as first party witness verification that messages were left. XXXX has failed to return any of the calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2021-11-12
Company: EQUIFAX, INC.
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 am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: MRS BPO, LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have received communications from a debt sold by XXXX XXXX. We disputed the accuracy of the debt several times directly with XXXX XXXX and they refused to correct the matter because we were no longer a client of theirs. 

They were billing us for services not used because they stated that it is their internal policy to bill their consumers for a complete month of service and not pro-rate their bill if they left the service. 

We had no contract and were not under any requirement to maintain service with XXXX. We do not feel that we are subject to their internal policies nor should they be permitted to charge us for services after our service was terminated. 

The main issue is them billing us for a full months of service after our service was terminated and we were not able to use it any longer. We were a customer of XXXX XXXX for more than XXXX years and left because they continued to raise their prices and were no longer competitive in the marketplace. We were never late, and called and gave them the option to retain our business and reduce our rates to be competitive. 

The associate handling our request told us that we should just go to the competitor because they were not willing to compete. 

XXXX assessed an ETF on XXXX of the lines even though we contacted them to cancel and advised them that we were cancelling without penalty due to a recent rate change. We received notification that we had the right to cancel without ETF if we notified them that we didnt agree with a recent increase.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Unifin Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My rights has been violated and described in the affidavit thats attached. I have received numerous phone calls and letters in the mail about a debt that this company is attempting to collect. It has been reported on my credit report since XX/XX/2021. I have also received multiple phone calls after informing them to stop. That is another violation. My most recent phone call from them was on XX/XX/2021 at XXXX XXXX XXXX XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: OH
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 was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for bankruptcy in XX/XX/XXXX and was discharged in XX/XX/XXXX. Yet today Real Time Resolutions wrote me about collecting a debt on my house. The house address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The original account number ( on the Real Time invoice ) is XXXX. It is illegal for them to contact me since this house was surrendered as part of bankruptcy in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent letters to XXXX, XXXX, and TransUnion For a dispute request about items on my credit report that were not accurate. I sent them a second letter on XX/XX/2020, with a 30 day demand to comply letter because I did not hear anything within the first 30 days. It has been over 30 days and I have not heard back from XXXX, TransUnion, or XXXX on these matters.

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 2015-03-30
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with New American Funding with a first payment due on XXXX XXXX 2015 and payable by no later than XXXX XXXX, 2015 to avoid a late fee charge. I checked with the company to be sure that I could submit advance checks for the mortgage amount to be credited each month and NOT TO BE CHARGED AS A LUMP SUM PAYMENT REDUCING THE PRINCIPAL. I was told I could do this and was given instructions on how to ensure the transactions occurred as I wanted. On XXXX XXXX, I mailed XXXX individual checks for each month : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with a memo on each check for the appropriate individual month 's payment. I sent a letter of explanation ; reiterating my conversation with the NAF rep. On XXXX XXXX I noticed the XXXX payment was not entered on line. I called on XXXX. XXXX and was told that due to the new payment system NAF " is at least 10 days behind posting and my payment should be posted Thursday and there would be no late charge even though the posting date would be real time. On XXXX XXXX I checked my bank statement and there is a transaction for each month 's check reducing my bank balance. On XXXX XXXX I called and was told that the corrections would be made within 7 days per the instructions I had originally submitted -- that there was an indication of a " notation in the system '' but it is not clear what it is - that the problems with their payment system are now corrected. I asked when would the corrections be made and she said she would call me to confirm the transactions have been corrected. I am skeptical because my instructions were clearly understood from the beginning ( or I was made to understand so ) and it appears they were ignored. I want to be sure the corrections are made, my instructions are followed as indicated in my letter to them and my follow up telephone conversations, that my bank account is reimbursed for the funds taken for XXXX, XXXX, XXXX, and XXXX. I do n't know what benefit resolution could accrue to be because they have debited by account 15 days prior to the XXXX mortgage due date, but if there is any I would like to know. If there is little or nothing in that regard, I will settle for the amount of the check for the XXXX 2015 mortgage due to be properly processed as requested and that New American Funding ensure that this problem is fixed and no customer has to endure this kind of stress of ineptness in the future ; especially when so much is done up front to avoid problems and confusion. ( See uploaded documents for details of this matter. )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2020 i s

tarted a dispute regarding to incorrect information been report on my credit report with follow up letters none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. please see attached all the letters i sent to this company Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Avant Credit Corporation
State: MD
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:
Complaint Against : Avant XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Illinois XXXX My loan details Customer ID : XXXX Loan ID : XXXX My Complaint : Company is reporting account incorrectly on credit report, deliquent account was never charged off, creditor continued to poison my credit report for 3 years, reporting 120 days late every month. Number of days late per month was incorrect. Contacted company to pay off loan and come to a fair good will compromise and the company refused and states they were reporting my account correctly every month and would not revise the reporting.

Company response to consumer: Closed with explanation