BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After reviewing my credit report and notice there are some accounts that are still reporting and they are paid in full and should be deleted from my file. I have also noticed some accounts are reporting from a third party company and should be deleting because I have no signed contracts with them. 
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 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 2017-09-18
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am still having a problem with a XXXX XXXX XXXX and XXXX from complaint XXXX. Ditech has been shut down and still has not resolved the {$5800.00} that was paid to XXXX just before Ditech took over loan. {$5800.00} was paid to XXXX which over paid any money owed. XXXX cashed the check. When loan was transferred to Ditech, they claimed we were 3 months behind. No. The {$5800.00} was for any late payments plus extra to XXXX. That meant that when Ditech took over I started with a clean slate and should have transferred the extra {$230.00} out of the {$5800.00} to Ditech. Ditech received every payment for the year plus that they had my loan. None were late payments and extra was paid with each payment. Now the new loan co., XXXX, is left with the mess. All I have gotten from Ditech is, " We are looking into it, '' letters ( 3 ). Time to hire a lawyer? Also, XXXX would like to have a copy of the original letters that I wrote from XXXX which I do n't have access to. XXXX went under, now Ditech, what 's next? Sounds like a scam and run outfit. All owned by the same person/people/corporation. XXXX is most likely owned by the same people/corp. Please refer to XXXX, all docs are there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 2022-01-13
Company: JPMORGAN CHASE & CO.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I had a balance of XXXX in my chase checking account in XXXX NM. I paid the XXXX XXXX XXXX using my debit card made a debit card purchase at XXXX XXXX of XXXX and a purchase at XXXX of XXXX. I checked my balance on my app 2 days later. My balance was negative - XXXX. I believe chase bank intentionally processed my withdrawals and credits to cause this overdraft. Please investigate. I have another account at another institution and I will close this account out in XX/XX/XXXX and pay chase anything I still owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX, 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

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 2023-07-21
Company: Paramount GR Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
they told me after the fact, even though it was in fact, included in the loan documents that I had 18 months to reduce the principal to around XXXX  from the original loan of around XXXX. When I did not meet their target which they did not tell me about they raise my monthly payment by XXXX  a month even though the amortization of the loan over the period of time that I have the loan at 2.99 % dictated that it should be about XXXX  a month and now they are charging me over XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Rocket Mortgage, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
As an airline employee I was directly affected by COVID and struggled to make my mortgage payments so I asked Rocket Mortgage about the best option available which would not affect my credit rating. I went into a trial modification period paying a the reduced amount they told me from XXXX 2020. I paid it on-time and in-full. I was told nothing would be reported to credit bureaus during this time. At the end they modified my loan with a government product loan. THEN.months later they reported me 4 months late!! 

I thought the CARES Act protected me? Were laws not implemented that mortgage companies werent allowed to report you negatively if going through one of the programs they offered due to you being affected by XXXX? 

Ive disputed it with the XXXX credit reporting agencies and Rocket, who basically said I should have paid more attention because it was in the fine print and too bad I signed on the dotted line. But I feel hoodwinked. Im not a lawyer. I trusted I was doing the right honest and ethical thing and they were too. 

Now, because of them, I was denied a XXXX federal loan for my sons college. My credit score is so low I couldnt even get a new cel phone plan. No one will approve me for anything and Im never late with credit card payments or anything! This is the 7th home Ive owned and all been sold/closed in excellent standing. 

Rocket Mortgage is a predator. They took advantage of my good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm making this complaint so that the credit bureau is AGAIN made aware that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit agency could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX  XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 Fair Credit Reporting act XXXX Account # XXXX 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

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 2023-05-11
Company: EQUIFAX, INC.
State: GA
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'm making this complaint so that the credit bureau is AGAIN made aware that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit agency could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Complaints : PayPal XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Hello my PayPal account PayPal ( Ref ID - XXXX UNDER EMAIL ADDRESS XXXX has been limited with a balance of {$24.00} on XXXX and holding the amount illegally. Here is the business email that was sent to me. 

( We're unable to continue processing payments for this account We strive to provide our customers with seamless and user-friendly payments solutions. Unfortunately, sometimes we can't process activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. Based on the information we have today, it looks like customers were dissatisfied with activity from this business. What can I currently do with my account? Unfortunately, at this time most of your account features have been deactivated. We may hold any funds in your account for up to 120 day ( s ) to cover things like chargebacks or other financial liabilities. We'll review the account periodically to see if we can release any remaining funds sooner. We'll email you the outcome of each review. You can still view your transaction history, download account statements, or request copies of your data. ) I have no chargebacks or payment disputes on this account. Please release my remaining funds for this account as the amount is being held illegally, also XXXX cant unlink my credit card or bank information while PayPal has locked my account. 
Please correct this issue immediately. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Social Finance, Inc.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Today I received email from Sofi that a new account opened XXXX unknown XXXX  phone numbers attached in email. My credit was fraudulently used to open an account with SOFI. I have tried over and over to contact them, and had no success spoke to customer service rep @ Sofi name XXXX nothing resolved I explained and asked for fraud department instead she gives me a non working fraud dept email. Called back again asked to speak to XXXX transferred to XXXX again no resolution. This company can not tell me how they got a hold of my personal information. I never authorized my personal info be used by Sofi for any business or financial services and requesting that all fraudulent accounts be closed immediately before taking further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom May Concern Good Morning, I hope this letter finds you well. I am writing to request the deletion of certain hard inquiries from my credit report. I recently obtained a copy of my credit report, and upon careful review, I noticed several hard inquiries that I believe should be removed. 

I understand that hard inquiries are generated when a potential lender or creditor requests access to my credit report as part of their evaluation process. However, I would like to bring your attention to the fact that these specific inquiries were not authorized by me, nor did I have any association or contact with the companies involved. 

As a diligent consumer, I have always been proactive in managing my credit and ensuring its accuracy. I take pride in maintaining a strong credit history and strive to uphold a favorable credit standing. The presence of these unauthorized hard inquiries not only concerns me but also has the potential to impact my creditworthiness negatively. 

I kindly request your assistance in investigating these inquiries and taking the necessary steps to have them removed from my credit report. I have enclosed a copy of my credit report highlighting the specific inquiries in question for your convenience. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate or unauthorized information on their credit reports. I believe these inquiries fall under that category, and I kindly ask for your cooperation in rectifying this matter promptly. 

If necessary, I am willing to provide any additional information or documentation that may be required to facilitate the removal of these inquiries. I appreciate your attention to this matter. 

Please respond to this request within the timeframe specified by law, which is typically 3 business days. I trust that you will handle this matter with the utmost professionalism and expediency. 

Thank you for your time and attention. I look forward to a favorable resolution to this issue. 

Attached FTC Report

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 2023-05-10
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2019 I called XXXX and spoke to one of their representatives I informed her that XXXX erroneously reported that my account was in collections. I informed her that I do not have any accounts in collections. She was rude and less than helpful. I placed a called to Equifax and they informed me that XXXX reported to them in XX/XX/2019 that I am 188 days late on my account and its in collections. He looked further into my record and he said how could they report that when it says your account has been paid and its closed. He then opened a dispute. I then called XXXX back and the rep I spoke apologized. She stated it would take 30 days to have my reports corrected. That is unacceptable and all three credit reporting agencies were given the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX C/O PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Tel XXXX Fax XXXX These companies & all their associates & all affiliates have repeatedly & knowingly ignored the incorrect balance on the mortgage, misappropriated escrow funds. Executed & enforced clear fraudulent mortgage loan documents with balloons of XXXX and another for XXXX, and another XXXX on a mortgage loan of XXXX in 2005. This is and has been grossly ignored and continues to use this fraudulent & forged & unsigned documents to fill their corrupt pockets. They continue to use different addresses, report negative pay history in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account from XXXX XXXX is currently reporting negatively on my Experian and XXXX Credit Reports. I reported this for Identity theft on XX/XX/2021. 

Under 15 U.S. Code 1681b- permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? NO I did not give them ANY PERMISSION Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above from my consumer report, this agency is in violation ... ... ... ... of 15 USC 1681b. 

I will be seeking damages against Experian and XXXX in the amount of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681b violations for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-09-01
Company: Incomm Holdings Inc.
State: CT
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
XXXX XXXX I received a vanilla gift card with the value of {$100.00} for a housewarming gift. When I open the card from the package, it was missing many numbers. I called vanilla gift card last week and told them of the issue. They proceeded to tell me that my card was damaged and they would send me a new one. Today XX/XX/2023. I received the replacement card in the mail with a XXXX balance, I called vanilla gift card and explained to them that the card that was sent to me had XXXX balance. She told me that the card had been used in XXXX. I proceeded to let her know that I have never used the card as it was missing numbers in the first place, I also mentioned to her that I have been looking on the Internet and there is a scam associated with vanilla gift cards, where they are selling cards with missing numbers in retail stores and manufacturers, keep the number so that they can later use them .I was never able to use my XXXX dollar vanilla gift card and I dont have the receipt as it was a gift. Vanilla gift card has not done anything to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Out of the blue the way I owe {$700.00} and I dont even have a clue. 

I had an account that wasnt being used and the ran charges up to {$5000.00} which I didnt authorize and they reversed the charges leaving me close to XXXX XXXX in fees.

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