BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2021-05-12
Company: Paypal Holdings, Inc
State: TX
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/2021 around XXXX central, my PayPal account was illegally accessed, and all of my savings were converted to USD from BTC. The perpetrator ( s ) then transferred the funds to another account of mine that was hacked as well on XXXX XXXX. The perpetrator ( s ) also attempted to siphon two payments from two other hacked PayPal users, under the guise of my identity. The two individuals received their funds back, but I have not. PayPal appears to have done an improper investigation, and has barred me from services, and most importantly, has frozen my account for up to 6 months, including my social security. PayPal does not acknowledge the events as fraudulent, and has instead punished me, the primary victim. Not only have I lost my savings, but my social security check for XXXX is being withheld from me, and that is a hindrance to my survival. Again, I have done nothing wrong. Someone usurped my account, and successfully attempted to profit from illegal gains. I trusted PayPal ; they have mishandled my funds, refused to acknowledge what occurred, and left me with the damages of a crime. I am XXXX, they have not reimbursed for the theft, and they are currently withholding my social security for no apparent reason. There has been no further illegal activity, aside from this atrocity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom This May Concern, accounts below need to be updated immediately for late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT TYPE : Auto Loan In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-05-02
Company: I.C. System, Inc.
State: SC
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 XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 18 U.S.0 1681 Section 604 A Section 2 : It also atatos a consumer reporting agenc can not furnish an account without my written instructions 15 U.S.C 16668 : A croditor may not treat a payment on a credit card account unde open-end consumer credit plan as late for any purpose Remove these late payment and update thie account immedialaly as you are in dies Violation of several laws under The Fair Credit Reporting Act,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2018-08-27
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Earlier this year Barclays called me asking about why not staying current on card. I advised I was, but because of a dispute over a late fee, it spiraled out of control. Several attempts were ignored and nothing done. Agent arranged to call me back later that day. 

I call Barclays when agent missed call back time. Retold story and got no where. Gave up. Frustrated took some time and called back. 

Agent worked out agreement and advised amount needed to be paid and late fees will be removed. Interest to be recalculated. Payment made. Call ended. 

Time goes by next bill arrives and again past due! Call in and was advised a payment plan and reduced interest can be offered. So I take it. Letter confirmation was to be sent. ( Never received ). Payment to bring compliance and make initial {$33.00} payment was made with agent. 

Next bill again past due. Credit continues to be damaged with bad payment statuses. Barclays doesnt care. Bounced around finally get a USA supervisor. Situation explained and supervisor is just confused. Supervisor looks up call records and requested tape pulls. Follow up to occur which never happened. Minimum {$33.00} paid. 

Call back at next bill and still past due with no response, minimum XXXX paid again. Bouncing around again finally get USA supervisor. Supervisor reviews notes and understands situation. 

When payment agreement was made was after bill closing date, but still in old cycle. This was late XXXX. Agent making agreement caused problem by putting into XXXX and not correct month of XXXX. 
Supervisor takes info and supposed to call me back. No call received. 

Communication to Barclays via secured online email is generic unrelated responses. Letter sent by via USPS advising that matter is still being investigated. 

Received letter advising account is being transferred to XXXX. Now I have no agreement from Barclays. Continuous unresolved disputes against Barclays, whom is only delaying resolution until account transfer. 

Unacceptable. Barclays needs to keep this account resolve the issues and update the damage they caused to my credit.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: IL
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 remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2019-09-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX Pep boys store id # XXXX i purchased and had pep boys install a supposed brand new starter on my XXXX XXXX well the problem is the starter didn't last but a nearly a week I purchased this starter with pep boys credit card which is rubbed by Synchrony car care I spoke to pep boys about this issue which was ignored after several phone calls and also spoke too synchrony car care representative who said he would look into the situation..about a month later I get bill for the services rendered which was XXXX my issue is I don't think I should be liable for a starter that didn't last a week it's not right..now I'm getting harassed by the Credit card company for payment and no one wants to take responsibility for this.Why should I be liable for there product that didn't last a week.please help me im a single father in a tough situation I don't have XXXX $ to give them for a failed starter.What can I do?

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 2023-04-05
Company: Experian Information Solutions Inc.
State: SD
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:
A old charged off credit entry still shows after the date of deletion recently for the month of XX/XX/.

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 2022-11-13
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been paying on loan over 1 year. I had a few issues at start of loan but resolved. Recently my bank had made a mistake and mishandled my bank account. I paid the NSF to XXXX for the issues. That should be enough for them but bill harassment took place after. I made a few payments after NSF took place. No issues. On XXXX I logged in account blocked from any bill pay at all. I called in. Phone bill pay not accepting my card also. I spoke to support whom was to unblock. I logged in after. Still blocked. Next customer service then harassed me more by then stating wait 15 minutes and try. I was then blocked from logging in. I then called back a 3rd time. I was unblock to login only and was supposed to be able to pay but can not because of harassment. NSF is standard business procedure even though not fair in some instances to pay for other businesses mistakes. Not part of any business agreement as a customer for them to block me from paying. First 2 sounded XXXX but doubt XXXX. 3rd sounded XXXX. I have had some harassment issues from ex-husband XXXX XXXX and his families in various states mainly XXXX they live. I also have had some harassment from step father XXXX XXXX including a statement regarding XXXX vehicles that there is a special device for XXXX vehicles in America only. I understand issues in America regarding XXXX not being well liked but maybe an excuse for harassment by them including the business as may noticeably being trying to harassment to hinder business finances here. I like my vehicle. I resent any of this be it family or business harassment. Business gave no notice of bill blocking. Not a business standard. NSF fees should be sufficient for issue. My bank does not internally bill pay to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have requested to see the original note after numerous applications for a loan modification that is continually denied due to '' best available terms. ". No explanation is ever provided why they are best terms. The interest is higher than the current interest rate for more than 4 years,. We were refused access to seeing the note because they stated it is " an undue burden ''. Their attorney XXXX XXXX XXXX also ignored our numerous email requests and request by certified letters to PHH. XXXX XXXX XXXXXXXX has now scheduled a foreclosure for XX/XX/XXXX with notice given on XX/XX/2019. This is a violation of notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022, my mortgage was sold to Fay Servicing. My First statement should an escrow balance nearly twice what accurate. I brought this error to their attention and they said they would do an analysis. The analysis revealed a mistake at the previous mortgage servicer for a lender placed insurance policy. I showed the documentation from the previous lender that the policy had been cancelled weeks before transferring to Fay. Fay agreed that they were due the difference of approximately {$7000.00} from the previous lender. 

Instead of fixing the problem, they increased my mortgage by almost {$650.00} to cover teh shortfall for a number of months. I continued to pay what they asked because Fay promised " it would all work out in the end ''. In XXXX, Fay bumped my payment up another {$600.00} plus per month to cover the escrow shortfall. My XXXX XXXX XXXX  is about {$1400.00}, my taxes and insurance is less that {$800.00} ( $ XXXX per year ). Fay has me paying in excess of {$3200.00} per month or almost 3x what my escrow should be. I have sent emails, left messages and when I have been able to speak to someone, it is a low level person that doesn't have the power to rectify the situation. I have the mortgage current through the end of XXXX when i finally said enough is enough. Fay sent me a foreclosure letter if I don't bring things current at the $ XXXX payment by XX/XX/2022. There must be a law against this kind of practice. At the very least this is wire fraud. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2022-10-25
Company: EQUIFAX, INC.
State: MO
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 have sent several letters to this company asking them to remove incorrect information and that I have not given them or anyone else permission to have my personal information or have a credit report. They refuse to delete items that are false. They have wrong addresses and even has loans that I never had. I have told them several times I did not give them permission to have a credit report file and I want it deleted and permanently removed. As a result they have subjected me to Identity theft and caused harm to me with their security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX  XXXX Account name- XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX # XXXX Account name- 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
PLEASE UPDATE MY INFORMATION ON YOUR SYSTEM, AND PLEASE MAKE IS ACCURATE, ALL THE NEEDED DOCUEMNTS ARE ATTATCH BELOW, PLEASE. THANK YOU

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 2023-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have a right to my 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please assist. 

This is the 2nd time I have had the undesirable experience with FlagStar as a loan servicer of a home loan I have. Had a similar issue that was a few years ago but there was little recourse to get it resolved properly. I think they purposely scam on fees for extra profit. 

In this particular case FlagStar had suddenly ( I mean suddenly ) became my mortgage servicer from ( actually I forget who had it before, can find out and send ). Anyway they took over my loan with no heads up notification to me. Immediately there was a {$46.00} late payment fee on the account ( not sure where it came from ). I was not going to pay it since it made no sense. There has been a couple of payments and a couple of attempts to get a hold of Flagstar, on hold for hours, never received a call back. Anyway noticed they took money not designated for late payment and applied to the late payment. Need them to reverse this and apply the payment as intended and explain to me why I have a late payment in the 1st place, since I have not been late on my mortgage payment. 

Flagstar Bank, XXXX XXXX XXXX XXXX XXXX XXXXXXXX took over servicing, it looks like XX/XX/2022. 

Account details ; Loan Number ends in 99 partial address of home with this loan ; XXXX XXXX XXXX Late Fee that was applied out of payment that was not authorized to do so : {$46.00} Again want the XXXX back and they should not be charging me any late fees of any kind. 

Also NOTE and is the attachment found in junk folder Flagstar Bank sent email after the servicing was moved to them stating no late fee charges for 60 days, which is a lie. Since they had a late fee all along ( for what reason not sure ) and waited until the XXXX to take it out of payment that I did not authorize for that.

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