BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: MD
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
CHEXSYSTEMS you violated my rights by supplying information to XXXX, XXXX, XXXX AFTER I FROZE your recorded. You violated my right to privacy you gave out my information now take it back from the 3 credit reporting companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Mortgage Company is stating that payments are not being received since XX/XX/2021 to present. However, payments were accepted by company through direct deposit from bank. Then, payments were made through US mail by form of checks and checks were return not deposited from account holder. 

Mortgage Company claim from XX/XX/2021- XX/XX/2021 that payments were not received by XXXX XXXX. The servicing of the loan was transferred or purchase from XXXX XXXX XXXX to Selene on or about XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: CAINE & WEINER COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Willing to do a pay to delete negotiation, debt was sold to a debt collector within 30 days for {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection company jumped on a debt that was in the process of being XXXX less than a month after it was acquired. 

The original company was entirely incompetent in getting me the account information. I was not able to get online due to cancelling my account and their " customer experts '' couldn't help me or send me account information after verifying that the account owner was on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: SYNCHRONY FINANCIAL
State: OR
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 reported I closed my credit card but I didnt close it. I paid it off.

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 2022-08-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was overdrawn by {$110.00}. i transferred XXXX from XXXX  and another {$80.00} was sent through XXXX  to my account to {$7.00} in the positive. I woke up to me about being XXXX in the negative. Now they are trying to charge me another overdraft fee even though my account was in the positive by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This account has been paid in full and its still still 3 months later I need the balance updated. 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 2022-10-24
Company: Westlake Services, 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: Public record information inaccurate

Complaint:
Westlake Financial Services hasn't notified the 3 credits bureaus that my vehicle loan is paid off. My credit check report incorrectly says my vehicle is repossessed.

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 2022-08-24
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was originally contacted by a private investigator named XXXX who claims that he is investigating my business he needed to verify my address which was incorrect and he called me on my personal cell phone. He notified me that my bank will be contacted, assets will be looked into and all of my vendors will be called. After I gave him my business address and phone number he told me that I owe a debt to a huge client of his that is located in Texas I asked him who it was and he notified me it was XXXX XXXX of XXXX XXXX and XXXX. I ask for contact information and he gave me his phone number XXXX. I called XXXX XXXX and he had no recollection of my account after giving him my full name and the business name he said he will do some investigation. After about 10 minutes he said that I owe {$3000.00}. For which I said another company called McCarthy Burgess and Wolfe claims I owe {$2400.00} I said this cant be true one account get cant get sold to two different collection agencies and I have to pay both. He notified me that occur McCarthy Burgess and Wolfe was a fraudulent company and that he now owns the account. Ill ask for validation and proof of ownership of this account and he said that his account is accurate and he can only provide a generic email and nothing else. I contacted XXXX XXXX and they claim I dont owe anything at all and nothing has been sent to collections. Theyve also notified me that there are a ton of scammers and I said this is not OK and we have to work this out. I later received a call back from XXXX XXXX who said that the XXXX was accurate I now have an email from him stating that I/O McCarthy Burgess and wolf {$16000.00} however McCarthy Burgess and Wolfe claim that I owe {$14000.00} {$.00} and another {$2400.00} neither company has provided me with invoices from XXXX and Im not sure which company to work with especially since XXXX XXXX told me that McCarthy Burgess and Wolf hes never heard of and not to work with him not sure how he got the dollar amount of {$16000.00} if he doesnt work with McCarthy Burgess and Wolf .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Maximus Education, LLC dba Aidvantage
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loans were transferred from my fed loan to Aidvantage prior to my refund request being processed. And now it has been nearly a week and Aidvantage still doesnt have my transferred account or refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Balance {$390.00}.

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 2022-08-24
Company: Experian Information Solutions Inc.
State: TX
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 notified last night that my Experian account 's email credentials had changed. I called and confirmed that someone else had recovered my account, changed the username, the email address and the phone number to something else. 

They could not give me more information. They claimed additional information will be sent to me in the next five business days. 

I want to file a police report just to go on record of this event, but the XXXX police department requires that I already filed a complaint with the FTC. The FTC website sent me here. 

I've restored access to my Experian account, changed the email, password and phone number back to mine. I dont know what else 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 2022-09-30
Company: EQUIFAX, INC.
State: OR
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to resolve these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX XXXX and I'm including it again. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
It started back on XXXX when Comenity Bank failed to apply our electronic payment. I called and found out that they had updated their software. And it took them longer the expected. They finally aplied our payment on XX/XX/XXXX. So on XX/XX/XXXX we arranged for our next payment to be made. This payment wasn't apllied until XX/XX/XXXX. Resulting in a late fee being applied to my account. Now I have been on hold for well over an hour waiting for someone from their customer service department to pick up. I shouldn't have to call monthly to fix these problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
15 U.S. Code 1692j XXXX XXXX XXXX XXXX is furnishing false and deceptive forms indicating inaccurate data which causes harm to my status. They allege I owe Them a debt, which is inaccurate.

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 2023-01-12
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collection Services has been reporting with XXXX negative unverifiable collection account information # XXXX belonging to XXXX, this debt was already paid to original creditor {$210.00} known as XXXX XXXX XXXX. They report as Paid in settlement when in fact they should not report this erroneous information with XXXX at all. I have no contractual business relationship whatsoever with Credit Collection Services. 

Credit Collection Services repeatedly refuse to delete or validate account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Marauder Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. 
In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Section 809 ( 8 ), the Consumer is requesting verification from you ( FDCPA ). 
In addition, the preceding customer REQUIRES the items listed below : COLLECTION PROFESSIONA ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-10-24
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist took over servicing of mortgage at the beginning of XXXX and I could not register online and setup autopay after all documentation received said to go online to register. Required me to call in and wait for over an hour for them to help me setup online account and was told online setup was not possible without calling them. 
Submitted payments at the end of XXXX and it took several days for any of them to be reflected online with confirmations or in account history so I submitted a few times. 

Upon processing all of the payments, payments were not processed as payments of principal. So even if paid ahead, they are not reflected as such and apparently interest is just being held for fun in advance of being due rather than being applied to principal. Spoke with Truist today XX/XX/XXXX and they said they don't care and will not apply any additional payments toward principal unless I specifically tell them so even if no interest is accrued. So if I pay my mortgage early they will not reduce principal and hold the payment UNTIL it is DUE and only apply it based on the payment schedule so effectively a prepayment penalty. 

That has never occurred in any mortgage that I've ever held and absolute XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions 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:
On ( XX/XX/2022 XXXX XXXX XXXX ACCOUNT # XXXX ) add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX ACCOUNT # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately. 

There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-10-25
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I did not give permission for any of these companies to run an inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NC
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 ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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