BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-22
Company: Radius Global Solutions LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX there was a collection put on my report by Radius Global Solutions for {$1100.00}. I never received anything in the mail stating that they received this debt in their office and I have the right to question validity. I sent a letter in XXXX requesting validity and I have yet to get a response. My letter was mailed out on XX/XX/XXXX. Upon further investigation, it stated on my credit report that the first day of delinquency was XX/XX/XXXX. Meaning this was an attempt to get payment before the 7 year rule applied. These unlawful tactics has cost me so many points on my credit and I want thus item removed for not notifying me the correct way. This company did a soft pull on my credit back in XX/XX/XXXX, therefore they had my correct address to send me a letter notifying me of this debt. They failed to acknowledge my rights according to the FDCPA laws. They have past due balances and original amounts due but I have no business with them. Therefore those items should not be reporting.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On a regular basis the company picks and chooses how deposits and pending payments and withdraws go thru causing lots of fees and wasted money. This happend to me all between XX/XX/XXXX and XX/XX/XXXX they gave me a one time waver of the over draft fee but it happend more than once they would take money out from transactions I made after I recieved my direct deposit but instead they cleared the charges first gave me a over draft fee with many transactions then cleared my direct deposit

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 2023-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I was notified from my employers legal team that they were served with legal documentation of a wage garnishment from Portfolio Recovery Associates. That same day, I conducted a search of my name on the Maryland Judiciary Case search and saw that there is a judgement against me with Portfolio Recovery Associates. As I was reading the judgment, I saw that a hearing was scheduled on XX/XX/XXXX. I was not notified of the hearing, I had no clue that I was being sued. I didn't found out about this until my employers legal team emailed me on XX/XX/XXXX. On XX/XX/XXXX, I contacted Portfolio Recovery Associates to obtain documentation of the debt that I owed Portfolio Recovery Associates. The representative that I spoke to stated that my account with Portfolio Recovery was closed because legal action has been taken and there is an active wage garnishment. The representative then transferred me to their manager because I wanted documentation that I owed Portfolio Recovery Associates and why is this company suing me. The representative stated that my account is closed because there is an active wage garnishment and can not provide the documentation. I contacted Portfolio Recovery Associates via telephone every weekday from XX/XX/XXXX - XX/XX/XXXX and received the same answer from each representative " Your account with Portfolio Recovery Associates is closed because legal action has been taken and there is an active wage garnishment, we can not provide additional information or documentation. '' I did not know I had an account with this company nor owed them any money. Today, XX/XX/XXXX I received an email from my employers payroll office stating that my wages will now be garnished, 25 % of my disposable income starting XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-16
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My father passed away on XX/XX/XXXX and I made mortgage payments until I was offered a forbearance plan by community loan servicing during covid. The forbearance period was from XXXX. I was made aware numerous times throughout the forebearance that the payments during the forbearance would be deferred in the form of balloon payments at the backend of the loan. I also provided community loan servicing with successor in interest documents as well as my fathers death certificate. In XXXX of XXXX, a payment deferral option was offered by community loan servicing. I then received a letter from an attorney threatening foreclosure if I didn't pay all of past due forebearance payments and an additional nearly {$7000.00} in attorney fees when the attorney hadn't done anything! At the same time I received a letter from community loan servicing that I was getting a loan modification and that I needed to make three trial payments ( starting in XXXX ) to complete the loan modification and not have the home foreclosed. The loan was then transferred to Nationstar/ Mr.Cooper/Rightpath. I still completed all three trial payments. All three were deducted from my account as paid, yet Rightpath says the last payment in XXXX was returned as insufficient funds. Rightpath also told me that they could accept my payments but they could not talk to me about the account because I had not shown them successor in interest documentation. I told them I had already done this with community loan servicing. They said documents were transferred to them by someone at community loan servicing by taking pictures with their cell phone and emailing the pictures, and the pictures of my documents were not good pictures so I needed to send them again. They also said that my loan modification had been denied because they did not receive an application along with successor in interest documents but I was never asked to do this by community loan servicing when the trial period began.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: LEXISNEXIS
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:
Propagating false information of my name and address is against the law, any bill depth that's obtaining those entities needs to be removed. Any information obtaining so as inquiries hard or soft that's obtaining the same information needs to be removed. Any address prior to my currently address is incorrect and need to be removed. Anything that's in ties with those incorrect addresses needs to be removed. They are Propagating and dismantling false information upon me and the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: AmeriHome Mortgage Company, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Our loan servicer is Amerihome Mortage company. We took a forbearance for Covid and when that was over, we attempted to resume our payments as usual. They wanted the lump sum at once, which we were unable to do. They instructed us to complete a Loss Mitigation application, which we did. However, they are not allowing us to make any payments towards our mortgage and have not allowed us to make any payments since XXXX. We have contacted them multiple times both online and via phone to attempt to make payments. Now our loan is in default and we could potentially lose our home because they are not allowing us to make our monthly payments. They also send me emails stating I have documents ready to view in my loan portal and then there is nothing there. It has been a communication nightmare trying to deal with this company and we are terrified we are going to lose our home because of it.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
WELLS FARGO DEALER SVC XXXX XXXX XXXX XXXX, NC XXXX DATE OPEN XX/XX/XXXX, charged XXXX XX/XX/XXXX WELLS FARGO DEALER SVC has committing XXXX  XXXX and XXXX XXXX and holding back my title to XXXX XXXX XXXX have taking Securities out in my name without my consent.WELLS FARGO DEALER SVC has used my name without my consent which is identity theft. All debt is repaid and paid in full

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 have identified the reporting information on my report that are a result of identity theft. these information are not related to any transactions by me. 
PLEASE DELETE following INQUIRIES AND ACCOUNT. XXXX XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX XX/XX/23 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 non-monetary relief
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX admitted to making a mistake after my account was closed 1 year later. XXXX year after the account was paid in full, the company sent late payments to the bureaus. I called the company and the manager stated that she called the bureau and the XXXX told her there is nothing that she can do but that I had to file a dispute so that XXXX XXXX could remove the late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Credit reporting 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:
On XX/XX/2023 I went to a car dealership XXXX, la to purchase a vehicle, I was unaware that after me being declined by the XXXX XXXX, This dealership would continue to shop my credit information around to other lenders without my knowledge and after I had left their place of business. The result of the auto dealer practices has caused unnecessary burden on my personal and business finances, I walked into the dealership with a XXXX credit XXXX XXXX and discovered a week later my XXXX XXXX had dropped to 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 2023-01-22
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received a email from PayPal requesting my account be verified by uploading a copy of my id and proof of my address. It also stated that I had changed my address to an address that was not mine. It had me upload a picture ID and then it disappears from the resolution center on the website PayPal.com I have not been able to close the account without resolving the issues listed in the email. I tried calling the support line however it was an automated system that I couldn't get in touch with a live representative and eventually disconnected me from the call. I also reported it to the email listed on their website, XXXX paypal.com

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-01-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Related to Compliant ID - XXXX - Citicard open a closed and opened a dispute with the vendor without authorization. I don't think they can be trusted to handle my money if they can't do simple thing correctly. 

Clearly citi card is still very very confused. 
They closed XXXX for XXXX with the vendor *This dispute should of never been closed vendor has not completed the work until XX/XX/2023 *Not a single phone call was ever made to notify me of closure They opened XXXX for {$8900.00} with the same vendor *This dispute should of never been opened, I never authorized this, the disputed charge was for the {$8000.00} *How do they authorize a dispute on my behalf, i believe that is Illage

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So my account was being in the negative every time my checks would be deposited into the account, Wells Fargo would take money from my checks were I would have to pay bills but I couldnt pay them because they kept taking money from me. Ive had my debit card on file with apps I would cancel the subscription from but it was still charging mg account so I did get that situated but Wells Fargo kept charging me a {$35.00} over draft fee with is unnecessary because they shouldnt still be charging me a overdraft fee after I than took care of the problem with the other company that was charging my card. So I called Wells Fargo and they said they couldnt give me all of my {$35.00} over draft fees they had been charging my account all the way back in XXXX. They only gave me like XXXX payments of the {$35.00} over draft fee with was last year in 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 2023-02-08
Company: Ability Recovery Services, LLC
State: NJ
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:
On XX/XX/XXXX, XXXX XXXX XXXX DO illegally sold my medical information to XXXX XXXX XXXX in the amount of {$780.00} violating my rights under the hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. This office is now permanently closed. 

On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX illegally sold my information to XXXX XXXX XXXX in the amount of {$760.00}. I dont even know who the original creditor is to have a debt with them. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally sold my medical information to XXXX XXXX in the amount of {$77.00} violating my hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When I make a purchase with my Wells Fargo debit card sometimes they don't take it out right away. Until weeks later and that confuses me. 
I have been charged over draft fees when I know I had money in my account. 
I get fees even though I use my debit card more then 10 times

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I dont know if I was taken advantage of or not. I had my house with them, my vehicle and my XXXX  and my checking and saving. They just charged me {$25.00} for each XXXX  I closed our. I thought that was odd. Also my checking and savings was with them for years

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