BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The inquires below are not recognized on my credit report. 

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 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 2022-10-30
Company: AmeriHome Mortgage Company, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife lost her job during Covid and I asked for the Covid forbearance option. I have now filed bankruptcy and have tried numerous times to have my mortgage company amend or change any terms to continue to own my home, but they have now sold my loan multiple times and no one will respond. They are asking for me to pay the entire forbearance amount, with interest, all at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: MD
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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 explanation
Consumer complaint received 2022-10-30
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Back in XXXX, my Venmo account was randomly frozen. I contacted them, and they said due to violating the User Agreement, and posing risk to the service, your account has been permanently closed. I asked for an explanation, and they would not give it to me, saying to keep the internal systems robust, we can not reveal the reasoning. I wanted to reinstate it back then and was nicer about it since I thought it could be reversed. Fast forward to last week when I reconnected with them so I could get my account open, they still decided to permanently limit the account, again with no explanation why, citing the same statement above. This does not seem fair as I have no idea what I did wrong. I was using the service like anyone else, and I have no way to defend myself nor obtain knowledge on the issue. What if I were hacked and the hackers activity was what got me banned? I am so livid and frustrated with them for not giving me a proper reasoning or a fair trial. 

I also had 2 unknown attempts to sign into my account on XX/XX/XXXX and XX/XX/XXXX, which signals to me that when I recently signed in on my known device after two years of not, I have a hacker trying to monitor my account and check for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Frontline Asset Strategies, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I trust that you are doing well. I appreciate your intervention in my previous concernswith complaint ID # : XXXX submitted on XXXX I madeefforts contacting the XXXX  companyto give me an itemized bill that explains what bill I owe and the staff who received the call told me that the matter is with the collection agency and can not have a discussion with me. From my credit reports, it is visible that I pay all my debts in a timely manner. Am not refusing to pay any debts I owe but I need to know what I owe since my services were prepaid and when I changed my service provider, XXXX  was contacted before starting a contract with the new provider and how I have any pending bills with them needs an explanation. On XX/XX/, I received a collection letter from a different collection company by the name ; Frontline Asset Strategies , LLC. I contacted them by phone and talked to a staff member who was very arrogant stating that I have to pay the bill and gave an example of XXXX XXXX that you can get a bill even after closing the account and had to tell her that XXXX XXXX XXXX  are post paid while phone services are prepaid. I kindly request your office to protect me from these harassmentplease. 
Thank you and I'm looking forward to your intervention. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/2022 I wrote AR RESOURCES via certified mail concerning an alleged medical debt. I asked that they attempt to validate the alleged debt by providing me with the original creditor information, breakdown of fees, original contract with the provider of services and they have not responded. It has been over 30 days and I have not heard from them at all. AR Resources is currently in violation of the FCRA and FDCPA. I have uploaded an invoice with all the applicable violations from AR RESOURCES. I would like for AR RESOURCES to compensate me a settlement of {$3000.00} and to DELETE this alleged debt off my credit report. Please make check payable to XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To : Consumer Financial Protection Bureau Re : Complaint - ShellPoint/NewRez Mortgage The following statement serves as an addendum to the attached complaint ( doc ). 

As the closing deadline has passed, we are now faced with a fee of {$1200.00} to extend the rate lock with XXXX, which is now an additional expense coupled with the unwarranted late fees imposed by ShellPoint/NewRez. Following a review via ShellPoints online portal, they applied our overpayment for the month of XXXX by assessing another late fee despite being told that the payment would not be late if made by the XX/XX/2021. This too was a result not being fully informed regarding XXXX payment as we were in the process of a closing date. This situation has presented us with a significant loss of thousands of dollars in savings, by the unfortunate actions and inaction of ShellPoint/NewRez. Subsequently we have lost the opportunity for our VA IRRRL. 

Our current mortgage rate with ShellPoint is 3.5 % and new IRRRL was locked at 2.875 % with XXXX. 

ShellPoint also delayed acceptance of the electronically signed Borrowers Authorization Form, informing the title company that the e-Signed request was not acceptable ; the hand-signed copy was subsequently accepted, thereafter. There were response time delays as well. 

This is truly heartbreaking and unacceptable behavior from a financial institution. As a veteran, I served my country, live a life of integrity, pay my taxes and bills. My wife and I are justified in forecasting a future with reduced debt via the now missed opportunity for an IRRRL. The adverse impact to my credit rating is unjust. This experience with ShellPoint/NewRez is suspect regarding the timing - as we were on the cusp of closing with XXXX. 

I have included a 1 year ACH payment history demonstrating on-time payments. 

XXXX, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting five inaccurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include four 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and one 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion, written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 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 2023-01-04
Company: Experian Information Solutions Inc.
State: TN
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. 

XXXX XXXX XXXX BANK : # XXXX, DEPT OF ED/XXXX  : # 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 explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX and I'm sending this complaint without any help from any XXXX XXXX XXXX and my request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 2022-10-30
Company: Block, Inc.
State: CA
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/2022 at XXXX, pacific time, I cashed out using CashApps instant deposit feature, {$2500.00}, to my XXXX Account, card ending XXXX. Once I finished the transaction, I instantly logged into my XXXX account hoping to see the transaction finalize with the {$2400.00} in the XXXX account, and it had not went through. After about 3 business days of calling both XXXX and CashApp, I had been made aware of a newly imposed deposit limit of $ XXXX XXXX, not allowing for the transaction to go through. Though the transaction shows it was successful, the deposit had not been. I have yet to see my funds since depositing then from cashApp to XXXX. Neither of the two companies claim to have my {$2500.00} or {$2400.00} after deposited instantly fees applied from cash App. It's has been 12 days I need them to find my money and have it deposited to my account ASAP. For the past 18 days I have been told the script each company has given the representatives answering the phones. I find it ridiculous that I have allowed for such irresponsible companies to keep my hard worked earned money, when they can not seem to trace or trace where the funds are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
OnXX/XX/2019I logged onto my online account with Direct Express Debit Card/Comerica Bank and noticed 2 debit reversals on XX/XX/XXXX of {$89.00} totaling {$170.00} so I called Direct Express and ask why my account was debited today. After waiting on hold for almost 2 hours I spoke with XXXX from the company and she said they took the provisional credit that they gave me in XX/XX/2019 back. I told her I need the money back in my account cause they cant just take money out of my account without notifying me and if they did finish investigating my dispute I havent received any type of notice from them. She then told me my dispute that I filed in XX/XX/XXXXis still pending, they have up to 90 days to complete the investigation, and while they investigate they can debit the account for the amount of provisional credit at anytime without notifying me. 
This company just waited until funds were loaded to my card and then debited my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 lived in an apartment with my significant other and child over 2 years ago. We moved out and was charged for carpet removal after other tenants had hardwood flooring already in their units. We were charged for the next person to have wood flooring. We never paid this due to feeling not being responsible for clean carpet because we got a carpet cleaning before move out. I have tried to get this collections account taken off of my Transunion credit report several times throughout XXXX. This year, I called the collections agency UCC on XX/XX/22 to ask about where the debt came from and they would hardly give me any information. I reached out to my former landlord last week on XX/XX/22 and they stated they no longer have control of the debt that the collections agency now has. Told me to call the agency and ask for them to remove the debt. I have never been to the agency or agreed to owing them debt. Also i was told my dispute complaints/results were accurate and that they still would not remove the collections off. I have disputed this over the phone and several times over XXXX XXXX. Today XX/XX/22 was the last day i disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
THESE ARE THE ACCOUNTS THAT IS ON MY CREDIT REPORT 1.XXXX   XXXX XXXX AMOUNT $ XXXX  DATE OPENEDXX/XX/XXXX 2.SANTANDER CONSUMER USA  AMOUNT $ XXXX DATE OPENED XX/XX/XXXX 3.XXXX XXXX   XXXX AMOUNT : {$2000.00} DATE OPENED XX/XX/XXXX 4.XXXX XXXX XXXX   XXXX XXXX AMOUNT : $ XXXX  DATE OPENED XX/XX/XXXX INQUIRES XXXX/XXXX, XXXX   XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CITIBANK, N.A.
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, today ( XX/XX/ ) I downloaded XXXX XXXX, this analyzes your banking payments to improve credit ratings. Well it populated at payment from XX/XX/ made to XXXX XXXX XXXX For the amount of {$490.00}. I do not have this as a utility bill, Nor was this an authorized payment that I willingly know of. I recently have applied on line for new car loans and do not know if this could have anything to do with how they could have accessed my account. I did report this to my banking institution ( Citibank ) also ( XX/XX/ as fraudulent. And do have a new debit card being ordered.

Company response to consumer: Closed with monetary relief