BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 noticed inaccurate and incomplete items on my credit report that caused me to be depressed and unable to have a great reputation with the banking system. I need all unauthorized accounts removed and all incorrect late payments ( im never late ) updated immediately. The unauthorized accounts on my credit report are not related to any transaction that I made. I am alleging that a person or company used my personal identifying information to apply for goods/services/money without my authorization. I did not engage in any legal contract with any of these parties listed. Also, I have tried getting this matter resolved over 30 days ago and I still haven't heard anything from the credit reporting agencies. I know that they must investigate but they didn't!

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 2019-07-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are currently paying Mortgage insurance. We have had the loan for over 6 years. The loan originated sometime in XX/XX/XXXX/XX/XX/2013. According to everything I have read, the MIP can be eliminated after 5 years if the LTV is less than 78 %. The appraised value of our home, as noted on the loan, was {$530000.00}. I originally tried to have it discontinued after after 5 years as that is what I was told when i got the loan and the house appraised at $ XXXX. I was told the law changed and it was now 10 years. I recently looked up the law myself and discovered it was still 5 years for loans that originated beforeXX/XX/2013. I applied to have it discontinued and was told the LTV is greater than 78 %. We currently owe {$340000.00}. By my calculation, that makes the LTV 66.84 %. When I called the company, they told me it was becasue you have to wait 10 years. I cited the law. They said, " Owe, sorry, our mistake ''. Then they said it was because I had late payments. I have not had a single late payment although there is a line on my history of payments that says " fees for late payment '' but the line is {$0.00}. I printed the report. Then they told me it was the LTV again. But when I ask them the value of the home and the payoff, they say that there is a clause or something that they won't share that make the LTV greater than 78 %. I have called several times, every time we go through the same process of them claiming the three different reasons and when I accurately refute them all, they tell me that someone will get back to me. At this point, we have paid well over {$4000.00} in MIP that we should not be paying. I don't know how to get rid of this without hiring an attorney that would just cost more money.

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 2019-08-06
Company: Allied International Credit Corp., (US)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Allied international Credit is attempting to collect debts that do not exist. 

They are also attempting to collect debts that were discharged in bankruptcy. 

This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This involves complaint XXXX which was closed prior to proper resolution.

I applied for XXXX Annual Recertification on XX/XX/XXXX. On XX/XX/XXXX, my XXXX application was denied. Yesterday, XX/XX/XXXX, complaint XXXX was closed incorrectly based on the company 's response.

My wife 's XXXX application was approved on XX/XX/XXXX. My wife is not employed. How can her XXXX be approved and mine be denied when we are married filing jointly?

The only thing that changed in terms of income in the last year was the Trump tax bill. My income at XXXX XXXX only increased moderately due to working full time at XXXX XXXX and XXXX for two months due the necessity of replacing the engine, alternator and rack and pinion on our 2008 XXXX XXXX, a {$7300.00} expense. I remain a XXXX XXXX XXXX XXXX at XXXX. I will be in a similar position next year as I worked full time at XXXX XXXX during the Trump federal government shutdown. My wife remains XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Delete Late payments from XXXX XXXX XXXX from XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2022-12-01
Company: EQUIFAX, INC.
State: CA
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 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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX. Reporting inaccurate information. Duplicate account information, different opening dates. I am a victim of Identity Theft XXXX XXXX XXXX, need to REMOVE FRAUDULENT INFORMATION ASAP. Here is a copy of the Police Report Requested. Please remove within XXXX business days of this complaint date. Also, All three credit bureaus TransUnion, XXXX, & XXXX- Please remove asap. 

XXXX XXXX XXXX XXXX XXXX Account Status Closed Account Dates Date Opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XXXX XXXX Balance {$490.00} Balance updated XXXX XXXX, XXXX Original amount $ XXXX  Monthly payment- Past due amount {$490.00} Account name XXXX  XXXX  Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed I am attaching FTC Report, Police Report, Driver 's license

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 2023-08-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance Owed : {$9.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$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 explanation
Consumer complaint received 2023-05-03
Company: MRS BPO, LLC
State: TX
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Colony Brands, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX I was going through hardship because my income decreased I applied for hardship with XXXX XXXX. They approved me in XX/XX/2023 to make payments of {$22.00}, I have been making payments however the monthly payments have increased to {$67.00}. I called XXXX XXXX and told them I was in your hardship program and why you are you increasing my monthly payments. They told me to keep paying {$22.00} however the monthly payments increased and late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

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 inructions 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 2023-02-03
Company: SYNCHRONY FINANCIAL
State: CO
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:
XXXX XXXX XXXX via XXXX XXXX XXXX and Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2021-10-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account that I use for my business. I had this account for 3yrs and had successful transactions the suddenly Paypal decided to limit my account and now to no longer do business with me without any reason at all. I have submitted all necessary documents and verified my id and address same with my banking information but still they'd close my account and holding my funds. Paypal account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a little over {$330.00} on my checking account for Huntington Bank. I was trying to get a loan of {$5000.00}. During the process, the loaner sent me {$500.00} to to deposit on XXXX to prove that its my account hes sending money to. Before I sent the money to XXXX I had over XXXX right after the loaner sent me the money. Then it went back down to {$330.00}. I had some other transactions pending as well. I was suppose to get {$5000.00} in the morning. Before the money could ever be deposited, my account went down to $ XXXX just off of the XXXX XXXX transactions. They were pending as well but the money of XXXX combined that i made a deposit to which was XXXX, the money was already taken out of my account. So it went from XXXX to XXXX back to XXXX. Then it went from XXXX to XXXX after everything was pended, but at the same time the money was already taken out of my account. Im trying to understand how the money was taken out of my account but the same amount of money was taken out, but was already out in the first place. It was like it was taken out twice. Then the bank immediately closed my account after the balance went down to XXXX. I just wanted to know if there was anyway to fix it where the balance went back to where it was, also including the transactions of certain accounts that were recurred anyway.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX//23 a payment of {$1000.00} was withdrawn from my account. This was meant to be {$100.00}. I contacted Synchrony the following day to request a refund less the XXXX dollars as this was an incorrect overpayment. I was unable to stop payment with my bank as it was already posted once I realized the error. I was on the phone with Synchrony for over an hour speaking to a rep, attempting to get resolution. I was told that the turn around time was XXXX weeks to get my money back and only via physical check. I asked for a supervisor and held in the ensuing hour with no one coming on the line. Ultimately i asked the original rep to process my request. It's now been over XXXX days and I do not see the funds dispersed from my account, which the rep said would occur and would confirm the funds had been distributed. Even if the funds are distributed at this point, they are sent regular mail and I would not receive them within the original timeframe provided. This is the second month in a row a payment issue has occurred, the first i was able to resolve directly with my bank. These are vital funds I need to pay my living expenses, including health insurance and food to feed myself and Young son. Its unacceptable to have no easy route to resolve this without very long hold times and to not receive the funds at all. Secondly, I do not believe using their website on a mobile phone is user friendly and things are not clear enough to avoid an error with payment. I'm no longer confident in using this when making payments with them anymore.

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 2022-12-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The IKEA Project credit card company refused to explain how they allocate my payments to the three promotional purchases outstanding which each have a different ending date on the promotional interest rates. I have three promotional purchase balances and one of which is set to expire on XX/XX/XXXX. After the expiration, that remaining balance will be charged interest. I am trying to avoid paying interest on that balance and have even sent in additional payments to be applied to that upcoming ending balance. The company when asked to explain how they determine how my payment of {$300.00} ( which is above the minimum due ) is applied to each balance, I am told they do not know how those are done and can not explain to me that I just have to keep making payments until the promotional balance is paid. I am not able to apply extra payments directly to a promotional balance. I have called many times and they are simply refusing to help or even give me guidance other than just to send extra payments in and then call in and request that money is applied, however the operators are not able to give an up to date remaining balance on accounts until the statement closes, so there is no way to know how much to allocate to each account. Today the company has disconnected my calls with them twice as I was trying to resolve this again. I call today, XX/XX/XXXX at XXXX cst for XXXX minutes and was disconnected, I called again on XX/XX/XXXX at XXXX and was disconnected after XXXX minutes on the line. I have not recieved a call back and I am still uncertain if any additional payments above the minimum due will be applied to the most current ending promotional balance. I should have control over applying payments to promotional balances especially those due to expire soon. My statements do not show the minimum due on each promotional balance, the statement just shows a minimum due on the account as a whole. There is not a way to understand how the company allocates the additional payments above the due amount to the remaining promotional balances. When calls are made to teh company to understand and clarify, the calls are meant with aggressive representative and calls are then disconnected purposely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: WELLS FARGO & COMPANY
State: WI
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:
Someone fraudulent filed my federal tax return with a fake job XXXX and my unemployment benefits this year. XXXX XXXX tax professional states I signed for my data to be breached and I never did sign anything. Now they are destroying my credit report and has access to all my personal information. The last time I filled taxes was 2020.

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