BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 

XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXXXXXX, DEPT OF ED/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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2021-08-23
Company: Cedars Business Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting daily phone calls from different numbers stating " You have an important message from XXXX  ( Cedars? ) [ hard to tell from message ] business services. This is a message from a debt collector. Please do not delete this message until you have called us back. XXXX '' [ number that called me is different each time but the message is the same ; call back number also changes ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the 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 instructio

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 2023-05-05
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Vehicle was paid off in XXXX. We have been unable to find title. Went to dmv they said Hyundai finance still showed lean. We contacted Hyundai they told us we could log on and print release letter. This letter and information was not accepted by dmv they requested a notorized letter. We contacted Hyundai finance XXXX. We're informed that they would process release and we should expect in about 14 days. After 21 days or so we called back as we had not received it. We were once again told it would be sent. Few weeks passed and nothing. Third time we called they told us it had been sent to XXXX XXXX We contacted XXXX and they have no info on receiving any letter. They also stated there would be no reason as to why they would receive it as the car was not totaled. We contacted Hyundai finance once again, after speaking to supervisor they were going to " escalate " to next dept. Waited for response with nothing. Contacted them again only for them to just go back to say we need to contact farmers. We again contacted XXXX they say there is no reason they would have it not a way to get it. I have tried for past 3 months to get this resolved with no apparent effort or reasoning by Hyundai finance

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 2023-10-06
Company: EQUIFAX, INC.
State: GA
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 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 non-monetary relief
Consumer complaint received 2023-11-04
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/28 I wrote to Mohela why the money wasn't pulled out from my checking. They sent me the generic paper which states it can take up to three days. If I make the payment myself then Mohela will still take out the original auto payment. Which will be my entire paycheck and will bounce everything. So I waited and kept looking for the payment to be withdrawn Now today XXXX my account says no pending payment and now says past due. I did NOT and have not received any correspondence from them about what is going on. Do I pay it manually or are they going to take the money. My first message I did say I am NOT paying late fees. I just wrote to them. Like I told them, I have enough stress in my life and adding this is upsetting and ridiculous. I just need to know what is the issue with the XXXX payment and NOT send me a generic letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 see the attached documents to understand what had happened.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-11-04
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I chose to pay off the total amount of my loan. The website said to call the companies number to pay off and to request a pay off letter. I tried calling several days for several hours at a time. I could not reach anyone and my interest was increasing every day. So I paid my loan online, according to the amount listed on the companies website and the federal loan website. As my loan was processing, interest was continuing to increase. I called and finally reached someone after 3 hour wait time. The person on the phone told me that any additional interest would be removed after my payment finished processing. After my payment went through, it still showed a balance of interest. This meant my loan was not yet paid off and I wouldn't receive a " paid in full '' letter. I tried to contact the phone number three days in a row but was on hold until the company closed for the day. I finally chose to pay off the interest so that my account could be " paid in full '' and not have any outstanding balance. The company mishandled my payment, as it showed the amount due as being under " principle '' of the Student Loan Gov website but under " interest '' on the company website. I believe I accrued interest that should not have been charged by company and I was forced to pay additional funds because of lack of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Prior to the global pandemic, my mortgage was paid perfectly. This included additional money paid monthly towards the principal. At the onset of the global pandemic, like most Americans, I found myself out of a job. I requested a deferment with PNC bank during that time to ensure that I would not get behind on my mortgage. My forbearance was slated to end in XX/XX/2021, as such, I applied for a loan modification XX/XX/2021. I knew that I would be incapable of paying a balloon payment at the end. All of my documents were sent via fax and emailed by, XXXX XXXX, from the XXXX XXXX PNC XXXX and through email from me directly. On XX/XX/2021, XXXX month after submitting my documents, I received signature required XXXX package from PNC Mortgage ( attached ). This document advised that my loan modification had been approved for a conditional trial period. 
While, thankful, I was confused as the dates on the document were past tense. I contacted the representative on the documentation, she was unavailable so I spoke with another representative who advised me that I would receive documents with the corrected dates via XXXX and I would here from the assigned representative. Neither occurred, so I contacted PNC Mortgage on XX/XX/2021, via phone and email. During that call, I spoke with XXXX ( operator ID XXXX ) who advised that she could not release any information to me, although I had verified my identity, she assured me that I would hear from my assigned representative, and they had 30 days to respond. I advised that that time frame had almost doubled, and I was still awaiting a response. I confirmed that PNC had everything that they needed from me. 
I received a signature required document via XXXX from PNC Mortgage ( attached ) today advising me that my request for loan modification had been denied. I am flabbergasted. After reading the letter, It appears asXXXX if I was denied because PNC Mortgage is awaiting information from a third party. That is outside of my control. I should not be faced with losing my home because the mortgage company has failed to check off a box. I will file a formal appeal and submit it this evening, however, PNC Mortgage has failed to communicate appropriately, as such, I have zero confidence in their ability to rectify this situation and that is why I am submitting this complaint simotaneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: JPMORGAN CHASE & CO.
State: FL
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, XXXX  XXXX, Chase Bank, XXXX XXXX, have violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
With the restart of loan payments and being a member of XXXX, I called MOHELA to ack about recalculating my monthly amount. The agent in the phone helped me to submit a request for recalculation and submitted a one month forbearance for me while the request was processed. She said to check back in XXXX as it was a one month forbearance only and I would need to request an additional month or two if my paperwork was not processed. 

I recently received a statement saying I didnt pay the > {$400.00} owed in XXXX per my regular statement and that I additionally owed for XXXX and have an outstanding balance of >> {$800.00}. 

I will call again Monday to attempt to correct.

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 2023-11-04
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Mohela won't tell me if they are processing my teacher loan forgiveness ( not pslf but the teacher one ) form or when it will be processed. The website said it would be processed within 10 business days but it has been longer than that.

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 2019-07-13
Company: Paypal Holdings, Inc
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
PayPal is trying to charge me for purchases I made with my XXXX XXXX account, 2 purchases totaled {$1000.00} and I owe my XXXX XXXX a balance of approximately {$530.00} after XX/XX/XXXX, this is extortion. I have documents and bank statements showing my payments to XXXX XXXX, PayPal balance is the company my complaints are about, Im on XXXX and Im having health issues over this because of the stress, theres no talking to PAYPAL as Ive got records of over 30 calls to them and have Also sent my bank statements. This is extortion and fraud on PAYPALs behalf, I took my XXXX XXXX card off the PAYPAL site after they tried to collect money from one of those purchases I paid off 2 days before they sent me an email saying I owe them. They also stole my {$30.00} credit I received from PAYPAL credit because they took a payment out of my bank 2 weeks before it was due and deducted it from the {$1000.00}, so now theyre saying I owe them {$1000.00}. I have since closed my PayPal credit account and the Paypal balance people wont take my bank or debit card off their site until I pay them, those are 2 charges {$940.00} & {$86.00}, the {$86.00} was paid in full on XX/XX/XXXX and I have a balance of approximately {$530.00} on the other purchase, both the charges on on my XXXX XXXX account so why is Paypal trying to extort this money from me also? You need to look into this because its fraud on what Paypal balance is doing. I dont have my card any longer but I put a case # instead of where the card number was supposed to be so you should be able to find it by that, its their Paypal Balance account, and they will no longer let me log in because they said I have an outstanding debt ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as gap insurance that XXXX XXXX  provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment two years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.

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