BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
As of now I am irritated! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the buyer agreeing! " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and decency of credit detailing ( 1 ) The financial framework is reliant upon reasonable and exact credit announcing. Wrong credit reports straightforwardly debilitate the proficiency of the financial framework, and out of line credit revealing techniques sabotage the public certainty which is fundamental for the kept working of the banking system. ( 3 ) Consumer announcing organizations have accepted an essential part in collecting and assessing customer credit and other data on shoppers. The financial framework is reliant upon the reasonable and precision revealing of buyer organizations. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to purchasers like me. I have connected a few times whining about the off base things on my purchaser report. Well I am complete the process of whining. I request you eliminate these off base things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by revealing incorrect things.

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 2017-08-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
In XXXX XXXX I bought furniture from Rooms-To-Go. The sales person misled me and asked for my date of birth, income, and social security number. A month later I got a credit card in the mail from Synchrony Bank when I did not agree to or sign for a credit card. I called XXXX XXXX, XXXX to cancel the credit card and was able to. I still want to complain about XXXX and Synchrony Bank about the unauthorized used of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
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:
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. I am tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXXXXXX XXXX  XXXX Date XXXX Balance : $ XXXX Late Date XX/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
Consumer complaint received 2022-03-30
Company: EQUIFAX, 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: Information belongs to someone else

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. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In the process of my divorce in XX/XX/XXXX my ex insisted that as I was to be awarded the home the mortgage was to be in my name. 
The home was refinanced through XXXX under the guise that it would be in my name only. My ex told me years later he knew before signing the documents it would not be in my name as I had no credit or employment history at the time. I wasnt aware of this until after the final papers were signed. 
The mortgage was taken out after we were legally separated but before the final divorce documents were signed. 
His name is the only one that shows on the paperwork, ( loan documents ) but I show on the Deed of Trust and he quit claimed the property to me. Our divorce decree awards me the home but is silent about the loan, there is a remedy for breach for undisclosed liabilities in the divorce. 
I attempted to apply for a loan modification in XX/XX/XXXX and XXXX refused to talk to me as they said the loan was not in my name. 
My ex said they would not modify it because he did not live in the home. 
When it was taken over by XXXX I obtained permission to speak to them from my ex and we both participated in the initial modification process. This drug out and he eventually refused to continue to be involved and they told me I needed to apply for an assumption, so I did and this drug out until it was transferred to XXXX and sale dates came and were postponed, paperwork lost ... same story everyone has. 
The loan was transferred to Shellpoint late XX/XX/XXXX and I submitted a new package as they requested, resubmitting the quit claim 3 times. When I called to make sure all the paperwork was acceptable they refused to talk to me. They said my ex told them I was not to be allowed to submit a modification package and they were not to speak to me and the home was to be sold. 
I was told that I was not on the physical loan. 
I sent Loss mitigation an email stating that I was on the Deed of Trust and held the quit claim that there must be an issue with the documents and I want to see the note. 
I am the owner of this property and should have the modification package accepted. 
In response, I received a letter addressed to my ex saying I contacted them and they are refusing to communicate with me. 
The house was to be sold XX/XX/XXXX I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and the sale date has been postponed until XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im responsible person and I dont like to see it on my credit report. Im sure that some person hacked my profile and get my personal information!

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 2018-02-22
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017 I disputed this account. I am exercising my right to question the validity of this debt they claim I owe. According to Section 609 of the FCRA you have to provide proper documentation with an original signed contract with my signature. Experian provide me with your method of investigation on how you reached out to XXXX account # XXXX .... and provide me every detail on how they proved or sent you original signed contracts. Sending number codes or one statement is not proper documentation.

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 2022-08-30
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a letter from a company called Hunter Warfield based in XXXXXXXX XXXX, sent to my address but under my XXXX name ( he does not live here ). 
It lists a Creditor Name of XXXX XXXX and a balance due of {$13000.00}. I have never done business with any entity named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Experian Information Solutions Inc.
State: NY
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:
Unacceptable response to complaint XXXX as your investigation only verified name rank and serial number, which is not what I 've disputed. I will again submit a follow-up compliant with Experian until Experian takes the same position as XXXX  by refusing to support a known predatory loan that not only was part of a class action suit that cost XXXX XXXX 150+ million in settlement costs, but was even identified by the grantor " XXXX XXXX '' itself as being handled in error. 

Experian continues to allow XXXX XXXX to stand behind their predatory lending practices as the home equity loan in question was an instrument of XXXX XXXX home loan, which affected roughly half a million borrowers that took these XXXX loans under false pretenses from XXXX, me being one of them. XXXX Bank and its subsidiaries sold the loans, but when XXXX XXXX bought XXXX at the end of XXXX, they assumed responsibility for them. Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because XXXX loans were designed to fail, and because XXXX never disclosed the consequences, XXXX XXXX was liable for violations of multiple consumer fraud statutes. '' In addition to XXXX admitting that they error-ed, said home equity loan was transferred in XXXX of XXXX under Account XXXX while litigation proceedings were still in progress and without notifying me or my attorney of this critical piece of information that would have otherwise alerted my attorney of XXXX XXXX 's intentions to proceed with foreclosure and sale of the home in lieu of working out a true modification that would have upheld the loans original commitment.

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 2022-08-30
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: 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. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}

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 2017-04-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I BEEN ASKING FOR HELP TO MODIFIED MY LOAN FOR THE LAST 9 YEARS AND INSTED TO BEEN ABLE TO HAVE THE OPPORTUNITY TO BEEN REVIEWED I BEEN TRANSFERED TO A LIST 3 DIFERENT SERVICING COLLECTION AGENCIES UNDER THE SAME MANAGMENT WHO THEY WORK ALL TOGETHER IN CONSPIRANCY TO LET THE TIME GOES BY AND HAD ME UNDER A DUAL TRACK PROCESS IGNORING ALL MY CERTIFIED MAIL REQUEST FOR HELP I BEEN ALSO MADE A DIFERENT COMPLAINTS TO THIS AGENCY AND THE LETTERS THEY PROVIDE YOU ARE BACKDATED MAIL THAT I EVER HAD AFTHER THIS IS EXPIRED AND

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
In XX/XX/2017 the XXXX of our local community Foundation 501 ( c ) 3 asked me to determine a method where donations could be accepted by credit card. We contacted various vendors and discovered that PayPal offered a discounted rate for 501 ( c ) 3 organizations. We contacted PayPal and were told that we could have a link on our website where our members could key-in their credit card information and, after 90 days, we could get a PayPal Here card swipe to use at our events. We opened, tested and implemented the PayPal account and link to our bank account. 
We just passed our 90 days and requested a PayPal Here card swipe. After two days we received an email denying us. I placed a call today to determine the reason and was told that, based on the information in our application, we would never be provided a PayPal Here card swipe, but that " keyed in '' transactions would be accepted. Since they disclaimed they were recording the call, I also turned on a recorder. 
When I inquired as to " why '' we were being rejected, he simply stated that PayPal does not have to provide the reason for denying us this service. I asked who I could speak to and the supervisor stated : " Let me give you an address to our Legal Department. Hire an attorney and take us to Court ; only a Court can compel us to tell you why we are denying you. '' Possibly this supervisor is accurate ; PayPal can refuse service to anyone based on any manner of subjective or discriminatory reasons. I will wait your response to determine if this supervisor 's response is, in fact, accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: CA
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 ridiculous! The Credit Bureaus still have not complied to my requests to remove the dispute fraudulent items completely from my Credit report despite all the letters and CFPB complaints I have been submitting to them! The Credit reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus do not seem to care about the said Federal Statute. The Credit Bureaus have willfully neglected their duty with the FCRA and chose to do nothing about the fraudulent items on my Credit Report. The Credit Bureaus continued reporting the disputed items without providing me copies of documents to serve as proof of verification, which is a violation under the FCRA and is punishable by law. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report, and if the Credit Bureaus do not comply with the request, please understand I will initiate legal countermeasures : XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Owed : {$340.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was originally mine, but was compromised and was closed at XXXX with Zero balance. I opened a new account which is current. I then started receiving letters from debt collection stating they had bought the debt and were attempting to collect an outstanding balance. I am not responsible for this debt, its over 10 years old and originates to 2012. These debt collection agencies continue to sell and buy a invalid debt that is over ten years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Diversified Consultants, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This item on my Credit Report referred to by the Collection Agency, Diversified Consultants had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: SCA Collections, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So Ive attempted to write letters and numerous disputes with this company - SCA COLLECTIONS- XXXX XXXX XXXX XXXX XXXX or around : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Although Ive had Medicaid and they specifically sent them the information that its been paid and that I had valid XXXX insurance through Cover VA Medicaid plans XXXX Ive been through over 3 hours of wait times and talking to people on the phone. Something has GOT TO GIVE!! Please help me. XXXX 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 2020-02-18
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX a technician cam to my home to complete my XXXX one gb internet service order. Once he connect the internet he was not able to get the gb speed connection. It was only 200 mb speed. He contacted his office and tried a lot to get the speed. He was at my home almost for an hour but was not able to fix the problem. He told me to contact XXXX on Monday, XXXX of XXXX in working hours. When Monday comes I called XXXX and they sent the same technician. Again, was not able to fix the problem. The same day after he left I called XXXX and asked them to cancel my order immediately. On XX/XX/XXXX, they sent me this email this email asking to stay with them. 


" XXXX, stay with Fios and you could save XXXX XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX Stay with Fios and enjoy this special offer. 
Your personalized bundle is just Continue with Fios and you could save money. 
Its not too late to keep enjoying the benefits of our 100 % fiber-optic network. Weve received your request to disconnect your Fios service and wanted to extend a special offer to you. 
To learn more about this offer, visit us online or call XXXX before your disconnect order completes. 
We look forward to hearing from you. '' They told me they cancelled it right away. They ask me to return the equipment which I returned. Here is the confirmation email from XXXX about the equipment return. 

" XXXX Notification XXXX To : XXXX XX/XX/XXXX at XXXX XXXX Hi Valued XXXX Customer, Your equipment was received and processed on XX/XX/XXXX. There is nothing additional for you to do. 

We look forward to working with you in the future. '' The same day I contacted XXXX and ordered a service which I am still using. After a while XXXX sent me a bill. I called them and explained the situation that I never received a service from them. Then they said they will adjust my account to XXXX balance. 
On XX/XX/XXXX I received a letter from debt collector that I owe them {$40.00}. Then I called XXXX to talk about this bill. When I called XXXX number and put my account information, the call is transfer to the collection agency. I was not able to access XXXX anymore. 
I am filling this complain because XXXX is sending a bill for the service they never provided and also send my account to collection agency who intimidating me and create a fear on my financial history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation