BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
During the COVID pandemic, my wife and I requested a forbearance from the bank managing our loan due to unforeseen circumstances we encountered. Sometime in early 2021 was when this took place. In late 2021 around XXXX we called in to remove the forbearance a few months early because we were in a place to continue paying. during the same call we attempted to pay for that month. The call center rep let us know that since we were already in the month of XXXX the payment we were making would go to XXXX, We were told we would not have to pay until XXXX. My wife and I were ok with this and followed through with the process. When XXXX came around we were unable to pay online as usual due to a delinquency on the account. When we called in they said this was because the payment we made was routed to paying off the forbearance instead of our normal mortgage payment which put us a month behind and XXXX was never paid for. After speaking with them they assured us that they would get it taken care of and move the money to the correct places and we were informed this would be noted on the account. so when XXXX came around we got the same call and nothing had been done. This continued for 2 months with them informing us that it would be taken care of. During that process we continue to make our normal payment. Each time the payment is made after the first of the month we are being charged a late fee and our credit scores take massive hits because the bank reports we are over 30 days overdue. The last time I spoke with them I was informed there is nothing they can do now and we just need to pay the late fees and XXXX payment

Company response to consumer: In progress
Consumer complaint received 2020-04-13
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: Investigation took more than 30 days

Complaint:
Whereas on or about XXXX, i entered into a contract with XXXX XXXX XXXX regarding a vehicle. after obtaining this vehicle for about XXXX months, i then begin receiving phone calls from said party stating that i was behind on Two payments and, my response to them was that their records were incorrect, so i requested for them to provide me with the dates that they claim i've missed. After receiving the information, I then contacted my financial institution for print outs of these transactions that i knew i had made with said party 's with my check card. whereas i then contacted XXXX XXXX XXXX and, advised them of the mistake on their behalf, they listen to me and i thought that was settled. But around 6 months later on or around XXXX i started receiving calls and, alerts from creditors and credit agencies concerning my credit score and, negative item 's on my report, in which this was causing me and my family to be denied of the luxury 's that i have worked so hard for, all because of the evil acts directed towards me. At this time my previous living property was being sold and the property was being remodeled, we were actually living within our vehicles until XXXX answered our prayer. I contacted the credit bureaus submitting disputes to all three major bureaus, it only seemed as if the credit bureau was only concerned with the other party 's complaint and, i never heard anything else, XXXX XXXX is now claiming that i'm 4 months behind in payments, why would someone be so malicious towards a person that they do not know. i later found out that i was actually being charged a late fee without even knowing, there was know under writing stating that a late fee would automatically charged to me. i agreedied to pay {XXXX} every two weeks ( bi-weekly ), but i found out that the actual fee is {$XXXX}. i have all supporting documents that will prove that i owe nothing on this vehicle that show that i am behind on this contract. Even while this pandemic is happening world wide, these people ( XXXX XXXX XXXX ), do not care.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2021-01-04
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I used a PayPal feature called 'Pay in 4 ' to purchase boots from an online merchant. This Pay in 4 feature is similar to other online installment loan providers such as XXXX, XXXX, and XXXX, where the the full amount of a purchase is paid by the provider, upfront to the merchant, and the customer pays the provider in four interest-free bi-weekly installments until the amount is paid off. In this instance, the merchant is referenced in PayPal correspondence as SICAP SRL. 

The total amount for the transaction was {$510.00}, which was agreed to be paid in 4 installments of {$120.00}, due every two weeks. I made the initial payment of {$120.00} at the time of purchase on XX/XX/XXXX and a subsequent payment, as agreed, on XX/XX/XXXX. I returned the boots to the merchant on XX/XX/XXXX and they issued a refund of {$510.00} to PayPal on XX/XX/XXXX, which should have cancelled out any future payments on this transaction and allocated a refund of the funds already paid to PayPal. On XX/XX/XXXX, PayPal refunded the two payments totaling {$250.00} to my PayPal balance, as opposed to the credit card originally used to deduct the funds, but locked my account access to my PayPal balance so that I am unable to get my money back unless I upload a copy of my Government ID. As a side note, this lock was apparently placed on my account due to a suspicion of fraudulent activity, however PayPal has continued to deduct funds from my checking account, debit card and credit cards without concerns or mentions of fraud. This has been as recent as XX/XX/XXXX. Since the refund, Paypal has continued to bill the monthly installments to my credit card, as well as late fees, totaling {$270.00} despite receiving a full refund from the merchant several weeks ago. 

I contacted PayPal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding this issue with no resolve. It was supposed to be escalated to management on XX/XX/XXXX - this also has yielded no results. The Case ID for the escalation is XXXX. I have not received any help on the phone, instead I am bounced between representatives who are unable to answer my questions let alone assist and PayPal has made it so that I am unable to seek resolution using their online resolution/dispute feature on their website. 

Not only has this matter been handled poorly, PayPal is fraudulently deducting funds from my account as well as holding my refunds XXXX under false pretenses. I have filed a dispute with my credit card company and I am further examining PayPal 's actions towards my account to determine if additional complaints with the FTC and SEC are appropriate. I've enclosed documentation that illustrate the transaction history between PayPal and myself in reference to this particular transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-05-23
Company: Monterey Financial Services LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Good Afternoon, My name is XXXX XXXX and I am writing this complaint for Monterey Financial, DBA XXXX. My initial purchase balance starting XX/XX/XXXX was XXXX. I have made a total of 28 payments for a total of XXXX dollars. After reviewing my account history and totals, the only funds out of that XXXX dollars that went to principal was XXXX. After speaking with one of Monterey 's representatives XX/XX/XXXX she stating initial interest was 113 %. This is also joined with XXXX (? ) A day for the amount of time the account is late. I am writing out of concern for their predatory practices. There is no reason for anything to be over 100 % interest, nor is there any reason why EVERY payment I made over the last 2 years has gone to nothing but interest ( minus XXXX went towards the initial principal. ) Please investigate this company and their predatory lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXX  : XXXX XXXX XXXX  XXXX XXXX : XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any 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 2020-04-12
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 I requested copies of my credit reports from the credit bureaus and after receiving the reports I noticed that a company named SCA Collections , Inc. hereinafter referred to as SCA had reported an adverse collection account to XXXX, XXXX, XXXX credit bureaus claiming that I owed SCA {$240.00} dollars. 

I was never notified by SCA beforehand, nor contacted in any way whatsoever, before this derogatory collection account was placed on my credit report.If, I am not mistaken this account should have been verified, and it was not, which is a clear violation of the FCRA and the FDCPA. As a result, on XX/XX/2020 I submitted a dispute letter to SCA via USPS Certified Mail whereas I disputed their assertion. In that letter I requested certain documents from SCA because I want to try to understand how I came to owe them what they have alleged I owe on my credit reports. I believe I was very specific with what documents I requested from SCA. 

However, I received a letter from SCA, which was not within the time frame alotted by law, and the document that they sent was a copy of a bill that was altered. On that bill it appears to me that SCA attempted to re-age this account by changing the statement date to XX/XX/2020 as though this account was an active account. This again demonstrates to me that this is another blatant violation of the FCRA and the FDCPA, respectively. I will submit copies of all the letters herein for your review and consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I applied for an offer that included a {$100.00} credit after my 1st purchase and I never received the credit. I contacted the company in beginning of XX/XX/XXXX, provided a screen shot of the offer and I was told that they would investigate and get back to me, its now XX/XX/XXXX and I have still not heard back from AMEX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX 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 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
Consumer complaint received 2023-07-10
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: Account status incorrect

Complaint:
This is 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has 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 is the inquiry that is reporting on my Credit Reports :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: AR
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:
I made all payments on time for a long time according to them, then since XXXX about they claim that my financial institution kept taking my payment s back from them after they had notified me that my payment has posted. they also state that I didn't tell XXXX XXXX  XXXX  to take the money back. Contacting them is extremely difficult because you have to battle a automated machine to get to a person who can't speak XXXX and they keep you on the phone for 30 minutes before you can get transferred to a supervisor where you are put on hold for about 30 to 45 minutes. then you have to repeat this process again and many times are hung up on and have to repeat this process. After hours of this you might get to the fraud division who blame everything on a other bank that by their admission i didn't order or authorize the taking back of the payments but state they I have to keep making payments or else even though they keep losing them or destroy my credit rating and continue to fine me for late payments. I told them I will not pay until they put things back and pay me for all the time I have put in to report this. the fbi and secrete service both say they do this to make yu give trying to reverse this and make you pay these fines.

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 2018-10-05
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: Account information incorrect

Complaint:
XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on XXXX, XXXX AND EQUIFAX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
XXXX-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
XXXX-says account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XXXX XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
EQUIFAX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XXXX XXXX.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: TN
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:
Dear Experian, I am writing to bring to your attention a matter of great concern after reviewing my recent credit report obtained through the authorized channel on XXXX from XXXX. Upon examination, I have identified inquiries that appear to lack permissible purpose under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically governed by 15 USC 1681b.

As the credit report was obtained through the federally authorized XXXX, I believe that these inquiries may be in violation of the FCRA due to their apparent lack of permissible purpose.

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 2023-08-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There were fraudulent charges against my account with even someone gaining access to my pin somehow, some of the charges included XXXX XXXX XXXX XXXX power bill, XXXX XXXX and XXXX XXXXXXXX XXXX I went to the bank on XX/XX/XXXX and discussed the pending charges that were not made by me and ask the bank to cancel my card. Went back to the bank on XX/XX/XXXX and ask why the card charges were able to post, and they said it wasn't their problem. So i go back on XX/XX/XXXX to ask for help with resolving this issue after receiving the letter claiming that i made the charges and my claim was closed. The claim number is XXXX. All these attempts were unsuccessful so i am reach out for your assistance. I plan to file a police report. I need help with resolving this issue because I don't think i am getting the appropriate help from WELLSFARGO Bank Representatives. The issue started when I contacted the bank about the issue on the XX/XX/XXXX and they closed the claim 5 days stating that the charges were made by me or someone who had permission. I tried to call and ask for supporting documentation regarding the closing of my claim and I was hung up on. Your assistance would be greatly appreciated. I understand Wellsfargo is closing branches and I am concerned that correct attention is not being paid to my concern.

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