BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In Accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported is not accurate ate all. The payment history is not even correct the bureaus have me as being late on my account when ll my accounts are on automatic payment each month. Yet the Bureaus came back and said they verified the account. BUT HOW DID THE BUREAUS VALIDATE THE MY ACCOUNT. Sounds like they lying or they just pushed a button saw my name come back on there computer and called that validating the account.. THATS NOT RIGHT!!!! NOR FAIR .... As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance!! 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % ... ..OR Otherwise DELETE PROMPTLY if there are any deficiency to provide requested information as Federally defined in a timely manner. I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into Compliance.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I provided proof that the collection account XXXX XXXX # XXXX is reporting inaccurately and need to be removed. Transunion did not remove collection account # XXXX XXXX XXXX from my credit report. I provided proof that account XXXX # XXXX is reporting inaccurately and need to be removed. 


Transunion violated my consumer rights and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific 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 2023-02-16
Company: Comerica
State: DC
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:
Name : XXXX XXXX XXXX Case # XXXX RE : Escalation of dispute claim I am providing this email to serve as my statement for Dispute Claim number XXXX about unauthorized charges from a vendor, XXXXr, that took place on XX/XX/XXXX and XX/XX/XXXX that I didn't authorize and I don't know this merchant. They also attempted {$150.00} to the card ending in XXXX today, XX/XX/XXXX. I filed a dispute with Direct Express and they denied my claim even though they are aware that my card was locked when this merchant fraudulently obtained monies from my account. 

My debit card was locked and this merchant fraudulently obtained monies from my account totaling {$830.00} and I'm also requesting that the monies be returned immediately, as this has caused a financial hardship, due to my card being disabled. I would also like to have the fees associated with having to expedite my card on the two dates, XX/XX/XXXX and XX/XX/XXXX to be returned in the amounts of {$13.00} each and the associated {$4.00} card replacement fee to be included as well. 

I contacted the merchant and they informed me that since I don't have an account with them I need to dispute this with my bank. I spoke to them again today because of their newest attempts and was told the same thing. I informed them I'm having them investigated for fraud and they hung up on me. 

I am requesting the escalation of this dispute because the original claim was closed without investigating the fraud that has occurred. 

The following are the charges, including their dates be included with the provisional and investigated claim : {$220.00} - XX/XX/XXXX {$90.00} - XX/XX/XXXX {$200.00} - XX/XX/XXXX {$160.00} - XX/XX/XXXX {$160.00} - XX/XX/XXXX Thank you in advance for your assistance due to this fraudulent and unauthorized activity. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: REGIONS FINANCIAL CORPORATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After a year and a half of fighting with regions bank they finally mailed me a cashiers check with my remaining balance from my checking account but they mailed it to my old address and they have my new address that I provided to them several times on a notarized letter and still they mailed it to an address I havent lived at in over a year and now they are refusing to reissue the cashiers check to my new address

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 2023-02-16
Company: Consumer Portfolio Services, 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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX During all these dates I've reached out multiple times to a XXXX XXXX to settle. Just so that I can clean up with no a minute of this debt because they did not send all of the proper documents and can not provide any of the proper documents for the repossession that were sent to me nor can they prove which address they were sent to. I have tried to call every time I call or speak to anyone no one has my account on file or records there therefore if they don't have my account on file anymore or no records of my file with that company consumer portfolio services I dispute it needs to stop reporting on my credit report since they have no record no one does. At this point it is going against my FCRA rights I've tried multiple times and no replies but it keep actively reporting you can't report on an account that you no longer have whenever I call to speak to any representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CBC Companies, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
INNOVIS DATA SOLUTIONS This company cut off my access to their online portal because I disputed some of the accounts on there. They keep changing the reason for nap able to give me the access. 

At first they said I'm not able to login because there is no phone number on file for two factor authentication. 
Once I provided that with proof and its updated, I'm still not able to login. 

Now they are saying there is some security policy that is preventing me to login and they can not give me a timeline in which the issue is going to be resolved. 

They keep offering to provide assistance over the phone or the mail which is not what i want. 

They are only doing this because I disputed online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: MD
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:
In Accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported is not accurate ate all. The payment history is not even correct the bureaus have me as being late on my account when ll my accounts are on automatic payment each month. Yet the Bureaus came back and said they verified the account. BUT HOW DID THE BUREAUS VALIDATE THE MY ACCOUNT. Sounds like they lying or they just pushed a button saw my name come back on there computer and called that validating the account.. THATS NOT RIGHT!!!! NOR FAIR .... As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance!! 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % ... ..OR Otherwise DELETE PROMPTLY if there are any deficiency to provide requested information as Federally defined in a timely manner. I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into Compliance.

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 2023-02-16
Company: BANK OF THE WEST
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My spouse and I paid off a loan in XX/XX/XXXX with the Bank of the West. I/we have made 4 phone calls in order to secure the interest paid letter during XXXX. They claim a XXXX party is to blame and they've had an array of issues, not to mention having the XXXX 's based overseas ; and who are otherwise unable to assist. Today, I again placed a call and the manager stated that our document ( s ) were mailed on XX/XX/XXXX, which is a lie because the other two calls ( both XXXX 's ) indicated that the documents were not ready in time and thus had not been mailed. During the 3rd call, we were told that it would be placed into the queue for yet ANOTHER COPY, which of course never arrived ; and today is XX/XX/XXXX. I/we must file our taxes per the IRS/Government by XX/XX/XXXX, yet how are we to do that when the Banking XXXX are failing to follow the Law by providing said documents when they become due on the XXXX day of XXXX each year? This bank has been nothing short of a nightmare during ALL inquiries, to include getting our payoff letter of satisfaction and loan release.

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 2020-03-25
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker ( years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX  XXXX {$3700.00} XXXX XXXX XXXX {$1200.00}

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 2023-12-01
Company: Experian Information Solutions 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:
On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. 

All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from XXXX XXXX, XXXX XXXX Experian XXXX, - inconsistency! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled XXXX of pages XXXX of Credit Report showing XXXX XXXX XXXX XXXX XXXX these inconsistencies this file must be deleted please.

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 2023-02-16
Company: Grant & Weber
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a non-specific medical bill from XXXX XXXX XXXX in IL ( my acct # XXXX ) for around {$1200.00} in XXXX of 2022 - it read office " office visit '' or something like that. I knew I had not been in the XXXX area for any office visit - I live in XXXX XXXX, MO. 

Long story short, I was on vacation when the bill arrived and subsequently got sick with XXXX, so it was several weeks before I addressed the bill. 

I thought the bill was bogus - a scam - they said on the bill that the fee would LITERALLY DOUBLE if not paid within 30 days, which I thought was a ridiculous, high pressure tactic to scare some people to pay a bogus medical bill. 

I checked with my employer and they said they thought it may possibly be a legitimate bill of some sort, so I called the XXXX XXXX XXXX billing and they explained that this fee was actually for XXXX that a doctor of mine did, in fact, order. They pressured me to immediately pay or pay DOUBLE if the invoice was not paid within the 30 days. I told them I would not immediately pay, but that I would mail a check within a day or two after confirming with my doctor and my insurance carrier that the bill was, in fact, legitimate. 

After verifying that this was a proper bill from doctor and insurance carrier, I immediately mailed the check and paid the invoice in full. They probably received the check within 40 or 45 days, rather than the 30 they were demanding.

Since that time, I have received literally hundreds of phone calls from two different collection agencies attempting to collect an additional {$1200.00} - literally DOUBLE the original bill.

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 2023-02-13
Company: Maury Cobb, Attorney at Law, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got our phone from XXXX XXXX on a promotion its a XXXX XXXX XXXXXXXX XXXX the promotion was I trade in my phone, which is a XXXX XXXX XXXX XXXX XXXX and they gave me a brand new phone XXXX  half of the bill and XXXX pay the other half. I was paying for some time because I have a line as my phone was with them until I was tired of the padding of bills etc. so I left the company and go to another phone provider but before I did that I call XXXX XXXX and let them know that I will be removing my phone line from them, but I will keep paying my other off until the phone is completely paid off, they told me yes just keep one of my line open so I can make payments. I keep making payments until one a couple months. I was at the roof edge and I couldnt make any payments for that couple months. I think it was two months they send me a bill saying that I need to pay {$830.00} for the phone which this phone the original price is {$750.00} at the time when I got this bill I only had {$290.00}. I called the XXXX  when I got the letter and ask them whats going on because Ive been paying and I do not hold you {$830.00}. The gentleman told me that he couldnt he couldnt say anything about it and ask him can you like send it back on track because that was in the country of agreement he said he doesnt have any paperwork. He doesnt have any paperwork for the phone and I have to call the debt collector people after I called them and let them know what I was going to. Do they still say that I need to pay the full amount so all the bat money that I was paying the erase it and I have to pay it online {$30.00} for the phone and thats not correct the car so if I could get some help on this matter, I would appreciate it. I just wan na pay what I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update and corrected immediately : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$50000.00} XXXX XXXX Balance : {$14000.00XXXX XXXX XXXX XXXX Balance : {$4400.00}

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 2023-02-16
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to express my concerns about my current lender overcharging me in escrows for taxes. I believe that their actions are unfair and in violation of industry standards. 

Recently, Our condo received a tax bill and we did not get individual bills yet as the lot was not subdivided yet for each unit and this will only be done on XX/XX/XXXX. However, I am only responsible for 10 % of the current taxes. The lender is claiming that my upcoming school tax bill on XX/XX/23 will be XXXX dollars. This is untrue as they are looking at last years bill which was XXXX bill for the whole condo instead of separate bills. Despite this, my lender is now overcharging me in escrows for taxes, resulting in financial strain for me. Additionally, with my next school tax bill being significantly less, my lender will be in violation of keeping more than XXXX of my annual obligations in escrow at any given time. 

Furthermore, I tried to just begin taking care of the taxes myself as the lender was doing a poor job with their analysis but my lender denied my request to waive escrows, and my payment is set to increase by more than {$2000.00} next month ( XX/XX/23 ), which is a burden that I can not afford and will ultimately result in me defaulting on my mortgage. I am extremely concerned about the lender 's actions and the negative impact it has on my financial stability. 

Finally, on XX/XX/23 we received 1 town tax bill for the whole condo which was paid by the condo sponsor attorney on XX/XX/23. The town verified that they rejected payment from my lender and my lender is still claiming that I have an escrow shortage for a payment which they never made!! 

Furthermore, They denied my escrow waiver request saying that my XXXX is above 80 % but my lender clearly has in their guidelines that they are ok waiving escrows even up to 95 % and I am below this figure. 

Please see attached documents supporting my claim. 

I believe that it is the responsibility of regulatory bodies like yours to ensure that lenders adhere to strict standards of accountability and transparency and that consumers are protected from such unfair practices. I respectfully request that you investigate this matter and take appropriate action to ensure that my lender complies with all regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So currently my account I have been permanently deactivated because of some sort of account violation, that I did not commit. I have funds still in my Venmo account but I am unable to receive my funds for 180 days. This is so unacceptable I would like for my funds be released to me and for my account to be deactivated.. I just want my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
At Select Servicing Portfolio we went on a COVID 19 forbearance plan. When it ended they demanded a lump sum to make up for the plan. I applied for assistance through their assistance program and they denied it for a modification with no explanation as how they arrived at their decision. Our housing counselor reviewed the response and helped us with the appeal. We asked for specific information about how they came to their denial. We are not asking for a principal/interest reduction only that payments resume as they were before the forbearance. 

Also one thing I noticed is that they have our income at {$1300.00} per month but we estimated about {$2400.00} per month in income. That could be the reason it is being denied.

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