BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
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: Account information incorrect

Complaint:
Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. I have discovered a very easy, clear, and concise violation on XXXX my accounts. On my credit report, I see many inaccuracies being reported. I will attach the section of my credit report so you can view the erroneous details. 

Account Name : XXXX Account # : XXXX Inaccuracy # 1 : Account Status : " Derogatory '' for TransUnion and XXXX XXXX however shows " Paid '' for XXXX Inaccuracy # 2 : No. of months ( terms ) : 9 months for TransUnion and XXXX, but 0 months for XXXX XXXX # 3 : Payment Status : " Collection/Chargeoff '' for TransUnion and XXXX, XXXX " Unknown '' for XXXX. 

Inaccuracy # 4 : Date Last Active : XXXX different dates. 
XX/XX/XXXX for TransUnion XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX Inaccuracy # 5 : Date of Last Payment:XX/XX/XXXX for TransUnion and XXXX, however XX/XX/XXXX for XXXX This information can not be accurate if I'm being provided with different data from each credit bureau.

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 2017-05-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On  XXXX  of this year, I sent for a free cream item and only had to pay shipping cost. So this offer had popped up in my email and i paid with my check card.The company of course had my name and address to send me the free product. It had also asked for my phone number. S o three w eeks later in  XXXX  the company charged my account with  XXXX . I did not sign up for this. So I called chase bank and told them what happened and they put the money back into my account. They, bank  manager ,  XXXX   XXXX  gave me a new check card and said it was a scam. So I thought the problem was resolved.  XXXX  also stated the farm out your information. So on  XXXX   XXXX   Chase b ank without my permission, did an unauthorized transaction to this same company for  XXXX . I went to the bank immediately and  XXXX  the bank  manager was th ere. I told him what had happened. He said the claims dept. would handle it, there was nothing he could do. Well I sat there for over an hour and got nowhere. Then when I got home I called the bank and no one would help me. They said the company sent them paperwork that said I had a membership, well I do n't and I finally got the paperwork this week. There is no signature, the papers are bogus, all they have is my name and address which they would since i got the free cream. No one will help me, I did n't authorize this transaction.This is stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX XXXX Account Number : 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 consent.

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 2023-08-04
Company: EQUIFAX, INC.
State: NJ
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$23000.00}.

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 explanation
Consumer complaint received 2017-05-12
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continued attempts to collect debt not owed. This collection was originally removed and reinserted without my knowledge with an amount of {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Brennan & Clark, Ltd., LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting calls from a company called  " Brennan & Clark LTD ' ' and informed to call back "  XXXX  '' to speak with a specific individual there in regards to a debt that I do not have with this organization.     I have looked over my credit report and nothing shows of an outstanding debt nor this organization at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Lakeside Recovery Solutions
State: UT
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 Tuesday I was doing a bank transaction for a personal loan and the official told me that he had a collection account from a rental company, which I did not recognize, I took the company 's information and called the next day, and they informed me that It was about a rental in the city of Texas, where I have never lived, according to the information I am XXXX XXXX XXXX, and they used my second last name ( XXXX ) account that I do not recognize in this claim I request that it be removed from my Credit Report in all companies that report, since I need to have my clean history for future transactions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an LTV of < 69%, and >12 months Clean Payment History. I requested my escrow account waiver for 4 months, with many different responses to why my request was denied. Each time, became much more difficult to request the waiver. It leads me to believe they purposely were trying to hold my funds for their own interest, which is disheartening. When I would call back to request status, I would get different responses. Upon request, I re-sent my request to the subservicer,  XXXX ,   XXXX  , who was going to re-process my request for the waiver; however, when I called back on  XX/XX/XXXX , they demanded I resend in a new request. This was the first time I was told I did not have to re-fax it in to them, but they did let me know, that I still needed to make my full PITI payment. At this point, I believe that Franklin American is being difficult because they don't want me to self-administer my own taxes and insurance. This is very poorly viewed from someone who has never missed a mortgage payment, ever.

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 2023-10-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
PennyMac offered a 1 % lower rate for a year going through them. After I was in the mortgage process they told me it costs money to which I agreed and paid and signed for at closing. My rate is still at the unadjusted rate and I have called them 5 times, emailed twice and talked to my direct loan officer. The second time I emailed was after almost 2months of closing and promises to correct the issue and still nothing. PennyMac is in violation of my contract with them and refuses to fix it or contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Home Point Financial Corporation
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: Account status incorrect

Complaint:
Home Point Financial took over the loan about a year ago. For nine months they did not report my payments to the credit reporting services, so my balance was not going down, even when I made my payments. I complained to XXXX and Home POint Financial started reporting me. Around XX/XX/XXXX they started sending me double statements. One statement would say all is OK and one would say I am late by a month or two. I have never been late and I have proof of payment for every month. My credit scores are between 800 and 850.  Contacting them was nearly impossible. The website does not work. I have attempted to enter it a dozen times, but either it is down or does not recognize me even when I change my password. I believe I was successful one time. Their phone system does not answer, either. Latest time I tried to call them was today, but their recording says they have a system error. I have mailed them letters with proof of payment twice, but gotten no response, or at least no response I can access. Now I got two notices that they have reported me as late on my payment to XXXX, XXXX/XXXX XXXX ( not sure based on what service that is ) and possible others. This company is causing too much worry and work for consumers and should be fixed/shut down. Thank you for your help in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX/XXXX XXXX this account is not transferred, the account is current and have a good payment history, fix this, XXXX XXXX XXXX XXXX -- not 30 days late on XX/XX/XXXX, this is incorrect, XXXX XXXX XXXX - not 30 days late on XX/XX/XXXX, XXXX XXXX   XXXX - not 30 days late on my Experian and XXXX credit report, XXXX not late on XX/XX/XXXX, XXXX XXXX -- not 30 days late on XX/XX/XXXX on my XXXX and Experian credit report , not 30 days late on XX/XX/XXXX on XXXX, XXXX XXXX XXXX - I am an only an authorized user on this account and I have nothing to do with the late payments on XXXX and XXXX, Please remove these late payments, they are totally incorrect ... This is why I am filing this complaint, step up CFPB and reverse the late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of identity theft these companies reported inquiries on my credit report that are not mine. Ive contacted them multiple times to have them removed and they didnt. This is a violation. This is a violation of 605b of the FCRA and it must be deleted within 4 business days because I am a victim of identity theft BY LAW. Here is my identity theft report along with the accounts that need to be removed asap. DELETE THIS NOW. 

XXXX reporting : XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion Reporting : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX & XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX T XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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 2017-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This is for loan XXXX XXXX and the late payment on XXXX that was reported as late on my credit report while an investigation by XXXX XXXX XXXX was being supposedly completed by them. <P/>I reported this to XXXX at XXXX with supervisor Mr. XXXX about the car accident. He agreed to resolve the matter and return my phone call with-in 4 business days. We agreed that I not make the payment until I heard back from him specifically with regards to a resolution. <P/>He further stated as other XXXX representatives verified that a " hold '' or indispute was put on my file and that the next payment due would not get reported late if I the matter was resolved. <P/>I and all parties agreed to this. I only noticed several days later hat they did report by negligence and error that I was late. <P/>I was not late. I never heard from anyone and did as I was told. Which was to not make the next lease payment until the issue was resolved. <P/>As I have stated numerous times, I have tried at least 20 times to contact XXXX and they will not speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit 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:
We booked a moving company " XXXX XXXX '' - prior to the move date my wife fell ill ( documented by medical visits/doctors ) We attempted to seek a resolution with this company but were instead berated, threatened and then forcibly disregarded, as the " CEO '' XXXX XXXX would not work out a resolution but instead cancelled our move, and is attempting to keep {$790.00} for services not rendered. This is simple extortion and should not be allowed. This person keeps providing false claims and excuses to my credit card company and they are rebilling my account. There are numerous low/bad reviews on XXXX, XXXX & XXXX against this company that indicate XXXX XXXX does this quite often. He should be investigated. 

I have been dealing with this nightmare for 2 months now and I just wish it would be resolved already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NC
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

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 2022-04-27
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX, I began the home buying process. On XX/XX/XXXX, I was informed by the loan officer that everything was clear, and we were set to close on XX/XX/XXXX, on the house I had been living in ( lease-purchasing agreement ) since XX/XX/XXXX. Also, I received my closing disclosure prior to closing and was informed of my mortgage. On XX/XX/XXXX, as I was getting dressed to go to closing, I received a phone call an hour before closing and was informed by the loan officer that the closing time would be pushed back to the afternoon. Later, I was informed that the date would change because the old underwriter was out of town and the new underwriter wanted to talk to the old underwriter. An email was sent to all real estate agents involved that the date would be moved to next week due to an internal error ( Regions XXXX  fault ) and NOT the buyer 's fault. I informed the loan officer that this would not work, we were going to be put out and would not have a place to stay if we did not close on today and I had been telling him that throughout the home buying process. Due to the closing date change, the seller was able to get out of the contract and the seller did not show up for closing on XX/XX/XXXX, because ( per seller ) she can now get more money for her house since Regions didn't meet the closing contract date. My family and I received an eviction notice and the seller gave us 14-days to find housing. A family of XXXX had to move into a 2 bedroom/1 bath apartment because we had exhausted our monies, buying moving items, securing storage, paying deposits and etc. We were evicted from the home and lost the sale of the house we lived in for a year due to Regions XXXX  Negligence. My children who are all XXXX  were uprooted from their routine and everything was hard to readjust for them. My daughter had to cancel her XXXX birthday pool party, and losing housing caused a strain on the entire family unit and we had to seek counseling.

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 2023-08-25
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To the PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( XXXX ). I firmly believe that this limitation has been imposed due to a misunderstanding or an error, as I have always been diligent in adhering to PayPal 's policies and guidelines. 

I wish to emphasize that I have not, to the best of my knowledge, violated any of PayPal 's terms of service or engaged in any activities that could warrant such a severe action. The sudden restriction has not only inconvenienced me but has also shaken my trust in PayPal, a platform I have relied upon for secure online transactions over the years. 

I kindly request PayPal to re-evaluate my case with utmost diligence. Mistakes can occur, and I believe there might be pertinent information that has not been appropriately considered. I am more than willing to cooperate and provide any additional verification or documentation that might be necessary to resolve this matter. 

Having been a loyal PayPal user, I genuinely hope that my account can be reinstated after a thorough review. The ability to use PayPal is crucial for my online transactions, and this restriction has put me in a difficult situation. 

I kindly ask for a second chance to rectify any misunderstandings and restore my account to its full functionality. Your prompt attention to this matter would be highly appreciated. I am eager to regain access to my PayPal account and continue using your services for secure online transactions. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation