BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-09-14
Company: AMERICAN HONDA FINANCE CORP
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My vehicle was totaled with my child and I in it, the airbags didn't deploy, but not once have they asked of my or my daughter 's well being, if it affected my ability to get to work and get paid, just about money $ $ $ and they were given payment by insurance on the XXXX of last month it is now the XXXX of the next month and they have still been calling me on a daily basis twice a day harassing me about payment when they received XXXX, still charging me past due payments? and they are still waiting for stuff from Gap and consistently calling about your responsible for the account and all that jazz which I have explained I can not afford that car note plus another that insurance and gap is handling it. They have been asked to stop while I retain the last of the parent after they told me they would take care of it, which I come to find from one of the harassing calls that they don't do this, but then supposedly sent all documents to GAP? This company and it's product has been nothing but trouble from day one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore used Attorneys that submitted fraudulent papers on the Court not only in my case but in dozens of other mortgages. Rushmore and their Attorney deliberately and knowingly committed fraud upon the court in numerous counties against numerous properties to fraudulently obtain assignments to foreclose on properties. They submitted and affirmed that all documents were accurate when they were submitting documents where the notary had their license suspended or revoked as long as XXXX months to a year before the documents were notarized. This is just XXXX of the many frauds this firm committed along with their title companies and servicers. I intend to notify attornies that are presently revisiting cases and those that represented lost foreclosure cases and the persons who had their homes foreclosed on. They should be able to have their cases revisited also, who knows how much fraud is in all these cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I've noticed that over the last two years, TD bank has done a terrible thing to me. I am a XXXX father of 4 and they continuously took unfair amounts of overdraft fees, usually these fees showed up without any warning or explanation, came out to around {$7000.00}. They were never good to me when I asked for these overdraft fees back over the course of two years. They were always nasty to me especially XXXX, the manager at the branch on XXXX XXXX XXXX. She wouldn't even give me a debit card.. This bank is taking advantage of a XXXX person and it is totally wrong. I find it disturbing that I noticed they have taken almost {$7000.00} from me like this. 

You said not to include personal info so I am only including my last 4 digits of the account. 

Acct XXXX overdraft fees XXXX {$1900.00} XXXX {$4500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: NPAS, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX, I am the responsible party for my son 's medical expenses, his name is XXXX XXXX XXXX. I receive and pay all his medical bills. 
I recently received a letter from NPAS, Inc. which I thought was a scam since I never received a bill with the service date mentioned in the letter. 
I called NPAS, Inc. to request a copy of the bill or statement, but NPAS couldn't provide this document. 

I XXXX  the phone number for XXXX XXXX XXXX XXXX to follow up. Today, XX/XX/2019 I called XXXX XXXX XXXX XXXX to make sure this letter was legit and request a copy of the bill/statement. The representative said she will mail it to me but my account is already in collections. According to this representative, XXXX XXXX XXXX XXXX sent me a bill back in XX/XX/XXXX and then my account was sent to the debt collector, NPAS. She verified that the XXXX XXXX makes ONE attempt and then the accounts are sent to collections. 

I am willing to pay my bill, just like I pay every single bill. But, since I didn't receive the ONLY statement XXXX XXXX XXXX XXXX sent me, now my credit score will be impacted. 
The account number on the letter from NPAS, Inc is XXXX. The letter was sent my son XXXX XXXX XXXX to my address XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Linebarger Goggan Blair & Sampson LLP
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Linebarger, Goggan, Blair & Sampson located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, alleging that I owed the State of Delaware {$270.00} for " unpaid tolls and fees. '' They had my vehicle license plate number, New Mexico XXXX XXXX. So, supposedly I had driven my car through a Delaware highway collection point and not paid. The State of Delaware has not been in touch with me asking for payment. 
I checked online and found several complaints about this company, so I decided to contact the cfpb. I am happy to pay any legitimate fees I owe the State of Delaware, but I certainly do not owe them {$270.00}. And I do not want to line the pockets of a fraudulent law firm. 
Can you help me? 
Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I called Navy Federal Credit Union twice and sent them a written message as well on XX/XX/2020 regarding the Balance Transfer Interest Charges on my credit card account which I believe should be removed as the contract they had sent me with the card did not mention a 30-day requirement for balance transfers. The bank is claiming that the 30-day requirement was mentioned in the application, but whether that is true or not, it should not be relevant as they have mislead me by sending me a contract with the actual card that does not mention the 30-day requirement. I read the contract closely before using the card and if I had seen such a requirement, I would not have used the card for balance transfers. Attached please see the contract that came with the credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Galaxy Capital Acquisitions, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was from a XXXX card with a {$300.00} limit from back in XXXX. I have no signed contract with my name and Worldwide Asset Purchasing II LLC. that is pursuing the debt through XXXX XXXX XXXX. They have garnished my check already for over {$3000.00}. When it got to the amount said I owed, my employer stopped the garnishment. And just recently they received another paper saying my check is to continue being garnished for over another {$530.00}, until they tell the employer to stop taking money out. They are taking around {$180.00} out of each of my paychecks. I have disputed this debt with them several times because I have no signed contract between me and Worldwide Asset Purchasing. I tried to offer an amount to end this and get it out of the way and they refused. First of all this was 15-16 years ago, secondly, I have no signed legal contract with them, third it was a {$300.00} credit card, and last of all, they have collected the {$300.00} over several times past what it was. What part of NO LEGAL SIGNED CONTRACT BETWEEN US FROM 16 YEARS AGO do they not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 2022-11-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account transfered from XXXX to Citizens bank account with XXXX as it was being used to receive credit card rewards. Upon transferring to citizens I learned that the interest rate was essentially nothing when every other bank is doing better than them. I have tried on multiple times to contact them with it's either long holds and you can not reach anyone or call another number. I have learned that they want to start charging me a XXXX fee for not having XXXX $ in the account or direct deposits going there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Dear CFPB, In XXXX my loan was modified and {$85000.00} was deferred and subsequent correspondence with Ocwen Mortgage indicated it could be forgiven. In XXXX Ocwen told me it would not be forgiven and would only be deferred interest free for the life of the loan. FNMA & FHLMC loans at the time forgave the deferred amount. Accept the modification as written or they would foreclose. We made decisions based on the intimidation and subsequently on XXXX servicing mistake, stating in writing it could be forgiven. We made financial decisions based on XXXX servicing lie or mistake. That information is in my previous claim. 

This inquiry is, would this {$85000.00} qualify for reimbursement under the " Rosenthal Act '' cash settlement with Ocwen and PHH for servicing practices? Would the {$85000.00} qualify to be paid off from those funds? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: HW Holding, Inc
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The first time I heard of this debt was when got an alert in a change in my credit score. I looked up the name of the new account that was showing up on my credit report. It pointed me to a company called Hunter Warfield XXXX XXXX XXXX XXXX XXXX. I called the number on the website and got connected to someone who knew the details of my " case ''. Apparently the charge orriginates from ~ {$300.00} of cleaning fees that were not paid. 
I asked for any documentation they have of the debt and I haven't recieved any reposnse yet. I haven't been able to get in touch with them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: SinglePoint GI
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I paid this account, the representative I spoke to promised me the account would be DELETED from my credit. for the last few years it has remained on my credit, despite many disputes and confusing correspondence. I should not have to go through such incredible lengths to enforce a promise. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have a twin sister all 'her information is on my credit instead of hers. I file a dispute several times in this matter but the items are still on my credit this has been an on going thing for years. I just want my life back please help me i can be reached at 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 2023-05-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
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:
this Bank of the West credit card is third class credit card and a third class bank, I did report a matter to the Bank of the West and I received a call back from customer service, but rather than apologizing they were arguing with me. 

The thing is that bank of the West needs the customer to verify a code which they sent on the customer 's phone when the customer calls the customer service phone number, and if the customer is not able to receive it, they refer the customer to the branch. so this is highly uncomfortable for the customer to go branch for every small matter, I already called Bank of the West XXXXhree times And each time I get so frustrated that like banging the head on the wall. I had two disputes on two different charges with Bank of the West, I called customer service and just like always, they refered me to the physical branch, I sent them a message in the message section of the App and I got a reply that they need my physical signatures to dispute those charges, since then 14 days have passed and I still haven't received any letter from them, I did write to them on the App message section again but they failed to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
All the sudden my account was frozen and XXXX took all my money out of my account. 
I called to try to resolve they said they would only take the lump sum. I was never served papers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are unauthorized businesses on my credit report. 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 2022-11-12
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXXXXXX, Account Number # XXXX, XXXX XXXX XXXX XXXX, Account Number # XXXX XXXX XXXXXXXX XXXX, Account Number # XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
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:
FRAUDULENT MISREPRESENTATION, THEFT ; TILA VIOLATIONS, FRAUDULENT CONVEYANCE, FRAUDULENT REPORTING, MISUSE OF 1099C IRS FORMS AND REPORTING, UCC VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, XXXX XXXX XXXX reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an 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 2022-12-15
Company: EQUIFAX, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal somehow lost the link to my bank. Then they projected 5 days out so I asked for reversal. All I got was automated messages thanking me for my patience. When I complained online they circled the wagons. A XXXX complaint got my projected date pushed back further

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}

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