BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am formally request for the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit profile. Upon reviewing of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items are inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 non-monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( 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 or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have automatic ACH payment processing setup with my mortgage company, PHH Mortgage. The payment is configured to draft from my checking account on the XX/XX/XXXX of each month. In the management section of the website where one can configure their payments, there is an option for additional principle payment along with your standard monthly mortgage payment. 

The day after my XXXX payment ( {$2500.00} ) was processed, I configured an additional principle payment of {$43000.00}. In the beginning of XXXX, {$45000.00} was debited from my account. This was expected as it is the sum total of my standard monthly payment with the extra principle I chose to pay. On XX/XX/XXXX, I logged into their account management website and removed the {$43000.00} additional interest payment, as I wanted it to be a one time payment. 

On XX/XX/XXXX, PHH Mortgage again attempted to debit my account for {$45000.00}. Upon calling them, they acknowledged their mistake and assured me it would not happen again. I explained to them that I was extremely unhappy as their mistake had caused both of my accounts to be overdrawn, essentially freezing all of my available funds and that I did not want this to happen again. They assured me once again that the issue had been addressed on their end and that the ACH payment would not be retried. 

On XX/XX/XXXX, they once again attempted to debit my account for {$45000.00}, again overdrafting my accounts and freezing all available funds. All of my funds have been frozen for at least 4 of the last 7 days because PHH refused to proactively intervene. 

I understand mistakes happen, however, there are a couple of issues that concern me here : First, they did not process my request to remove the additional principle payment until XX/XX/XXXX even though i initiated this change on their website more than two weeks prior. This would indicate to me that while I am making changes to my account electronically, there is still some sort of manual process being followed on their end that requires human intervention. I would suspect that there are federal regulations regarding this sort of thing to which PHH is not in compliance.

Secondly, PHH indicated to me that once an ACH is initiated on their end, they have no control to stop it or the subsequent retry attempts that may result from NSF situations. Again, I would suspect that this is not true and that there are probably federal banking regulations to which PHH is not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal account ( XXXX ) I have XXXX in my PayPal account. On XX/XX/XXXX, Suddenly my account has been permanently limited. I did not receive no email or any communication stating my account was limited or why. I called and was told that all I needed to do was upload documents ( id and bank statements ) after that I called and was told i had an old account with a negative balance and needed to pay that balance. I had funds transferred from this account to that account to cover that negative balance on XX/XX/XXXX and was told that I will have access to my funds within XXXX XXXX. I called today XX/XX/XXXX and was told that I am limited due to transactions ( i verified that I was sending money to myself as I was having issues with withdrawals ), and they told me still that I had to wait 180 days to have access to MY MONEY!!!!! I am at risk of XXXX and this is unfair. There's no way that they need to hold on to XXXX for 6 months. I have not ever received and mails regarding any communication Ive had with them. I believe they are attempting to steal my money. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We bought our home XX/XX/2019 3 months after buying our home we had a chimney fire attic fire It's Been 2 years now and we're still not back in our home and we've been in forbearance we were in forbearance and forbearance was over we filed for last mitigation application they've lost our paperwork numerous times they switched processors for us and then that that didn't follow through and then now our house is being up for foreclosure because they keep putting us with different people different paperwork and I've submitted three different applications I've tried to get them to help me in any way possible I've had to hire an attorney to find the contractor who took off with our money for the insurance so the mortgage company won't help the insurance company won't help and now as of the end of this month we have nowhere to live and I'm still trying to work out the mortgage payment So eventually we'll have a home and I'm so frustrated I don't know what else to do with XXXX Every every time you talk to somebody there or somebody different you can never get a hold of the manager you can never get a hold of your person who's supposed to be your contact person they won't give you a phone number for him I'm just I'm beyond knowing what else to do and they don't help us and I'm so afraid we're going to forclose on us. They said they sent a loan modification that we were approved of at the end of XXXX and that we XXXX XXXX  for a living so we weren't home when the paperwork came so the post office sent it back and then I asked him to resend it again and then they said they took the loan modification away from us because the house was vacant which I know it's vacant because we can't live there because it's not livable yet. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired. The XXXX credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items get corrected immediately for they are greatly harming my credit. 
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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 2023-02-23
Company: EQUIFAX, INC.
State: NV
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:
made my proper payments to XXXX  credit card for the month of XXXX and XXXX someone that works for XXXX  credit card services was able to use my information and get my payment funneled into their hands by acting like a representative of the company trying to receive my monthly payments i realized in XXXX that the payments i made for XXXX and XXXX where not properly placed and not applied ruining my perfect credit history this needs to be fixed and show that was i never late on my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account in Bank of American without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: Google Compare Credit Cards 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:
There was an unauthorized purchase {$1800.00} for a Google Pixel book and ear buds made in my Google pay account on XX/XX/2019. The goods was delivered to XXXX XXXX XXXX XXXX, XXXX TX XXXX and signed by XXXX XXXX on XX/XX/2019 by XXXX. I filed dispute claims twice to Google Pay for the unauthorized charge, but Google refused to refund me by saying We were unable to confirm fraudulent activity on the purchases. Often, these purchases were made by a family member or friend. I have never used my Google pay in my life and I have no idea about the delivery address and the person. I have never lived there. I can see My Google account has been hacked as I can find the filter was changed to skip any emails containing words Google, order and pay, so Ive never received any email from Google until I got I credit card bill. There was another purchase made on the second day of the fraud one and shipped to the XXXX. I found this in my Google order history, but the order was cancelled due to insufficient fund. I feel Google was easy to know what happened, but it just want me to burden the lost. My credit card company XXXX said their investigation would be based on Googles result, so I may never get my money back. At this point, I disputed with Google twice but failed ; and I filed a police report to XXXX TX ( Case number : XXXX, Police last name : XXXX, external checking no : XXXX ). I feel vulnerable for this situation, and I cant have communication with Google investigation team directly. The Google customer service said the investigation team is the only one to give the result, but all they allowed me to do is to fill a form for amount and date with no choice to explain my situation nor attach any files. I really dont know what to do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an AMEX listed on my personal credit file which I haven't had an AMEX is over 7 years, this is inaccurate and needs to be removed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: NJ
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:
My Issue is that my credit score which access through my bank 's application show different figures than what a Mortgage company recently run my credit score as I'm applying for Mortgage, to more clarify the Issue, my credit score that I see on my XXXX XXXX  APP SHOWS THAT MY SCORE IS XXXX ALSO MY SCORE WHICH I SEE ON THE CASE BANK APP IS XXXX AND THE SCORE I SEE ON XXXX  XXXX APP SHOWS XXXX BUT WHEN i APPLIED FOR MORTGAGE THROGH A MORTGAGE COMPANY CALLED GURANTEED RATE AFFINITY THEY ADVISED ME THAT MY CREDIT SCORE IS XXXX THROUGH EXPERIAN, THIS IS REALLY CONFUSING BECAUSE ITS ALMOST XXXX POINTS LESS THAN WHAT I SEE ON MY BANK 'S APPLICATION I REALLY NEED EXPLANATION AS THIS IS AFFECTING MY LIFE DUE TO THAT FACT THE MORTATGE COMPANY MADE ME XXXX IN FHA LOAN ONLY FOR CERTAIN AMOUNT THAT CAN'T QUALIFY ME TO FIND A HOUSE TO LIVE IN I REALLY NEED TO KNOW WHAT IS MY REAL SCORE IS THIS THERE IS A BIG GAPE BETWEEN WHAT THE BANK APPLICATION SHOWED ME AND THE MORTGAGGE COMPANY. 
IF I HAVE A PROBLEM ON MY CREDIT REPORT THEN I NEED IT TO BE FIXED HOWEVER IF MY CREDIT REPORT IS MATCHING WHAT MY BANK 'S APP SHOWS THEN I NEED A PROVE WHICH IS GOING TO HELP GET MY PREAPPROVAL OF THE MY MORTAGAGE RAISED AND CONVERTED TO CONENTIONAL LOAN

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 2022-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, On XX/XX/XXXX, 2 purchases of XXXX  each at 2 seperate XXXX XXXX locations in Minnesota were charged to my Bank of America credit card account. I informed Bank of America that they were fraudulent charges and they took them off of my account and closed that account. 
On XX/XX/XXXX Bank of America mailed me a letter saying because I had done business with XXXX XXXX in the past they determined that the charges were made by me and put the 2 charges totaling XXXX  on my new credit card account that they had opened to replace the other account. 
On XX/XX/XXXX I made a report with our local police in XXXX, WA about the fraudulent charges. 
On XXXX I spoke with employee XXXX at XXXX XXXX and after I provided him with the last 4 digits of the compromised credit account and the date of the fraudulent charge he was able to tell me that the purchases were made by someone purchasing 4 - XXXX XXXX gift cards at 2 separate retail locations in Minnesota. He told me there is video footage available of the suspect making the fraudulent transaction. After that phone conversation I called Bank of America fraud department and gave them the information that a police report had been filed and that XXXX XXXX has further information about the fraudulent transaction. 
On XX/XX/XXXX I spoke with supervisor XXXX in the Bank of America fraud department. He told me he saw that the information that I had given to another employee on XX/XX/XXXX had been added to the file. He also told me there was no evidence of any further investigation being done by any Bank of America employee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved to XXXX from XXXX in XXXX I open a Cable link with XXXX company in XXXX XXXX XXXX in a lease rental vacation Home. 

I was not happy with the Tv channels, so i cancel the TV channels on XX/XX/XXXX and returned their Equipment. I kept the Internet connection for my work. 

I moved from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX in XX/XX/XXXX. I closed the Internet account with XXXX and paid the balance owe of XXXX dollars and returned the internet modem equipment to their XXXX XXXX XXXX  branch. I was told My balance was paid in full since I only had the internet only. 

i been getting harrasment calls from debt collectors at my work phone, and got a message from my credit reporting company XXXX. The collection company has included a back mark on my Credit report for {$88.00} Dollars. This debt does not belong to me and should not be in my credit report, XXXX and Credit management LP in XXXX Texas creditor account XXXX Refrence XXXX This debt is not mine, I have try talking with XXXX  and they wont talk with since the account is closed. Not my debt, collection Company has ruin my credit. 

I need your help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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