BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Barclays Bank of Delaware is violating the Gramm-Leach-Bliley Act - 15 U.S. Code 6802 by furnishing a report to XXXX without my approval XXXX 
The information with BRCLYSBANKDE account starting with XXXX o should not be on my XXXX report it is a violation and therefore a 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 explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I did a modification with my prior loan company XXXX XXXX back in XX/XX/XXXX. The modification 's effective date was XX/XX/XXXX. The first payment due was on XX/XX/XXXX. As soon as the modification process was complete and before the XX/XX/XXXX effective date, the loan was sold to Carrington Mortgage Services. Lower LLC did not send copies of the modification to Carrington Mortgage Services. I made contact with Carrington and they told me that my load n was in forbearance and it would not end until XX/XX/XXXX. I called back to them on several occasions to make sure nothing was due because I wanted to make sure nothing went wrong with the mortgage. I also sent Carrington a copy of the modification from XXXX XXXX by uploading it to the customer portal so they could see what the terms were. I sent the copies by email again in XX/XX/XXXX. No one from Carrington contacted me until XX/XX/XXXX to let me know that I owe for XXXX and XXXX on my mortgage. I called Carrington several times to make sure I didn't owe anything and all they told me was to wait until the forbearance was up on XX/XX/XXXX. They told me that they appreciated my calling in to check on the mortgage. 
I do not blame anyone but myself for putting my mortgage at risk financially but thought i could get the help I needed without finding myself almost back where I started. Carrington gave me a couple of options that were not at all beneficial for the customer. One was to redo the modification which meant that my APR would jump probably 3 to 4 percentage points because of the current rates. The other was to pay all 3 payments and get caught up. I just felt some of this responsibility should fall back on Carrington because I repeatedly called in to check so something like this wouldn't happen and obviously it did. There just seemed to be no giving from Carrington making me believe that they are not accepting any responsibility for the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America has been rejecting my privileges to open an account based on old, false and removed information from my credit files used by Banks, No majors Credit Companies, only XXXX. Bank has been using this  decision for over a year. My information was deleted more than a year ago. I strongly think Bank saves applicants information and decision for future reference without expiration or even an update. I've been denied 5 times in the past year and half by this Bank and I think their business strategies don't comply with Federal Regulations. It's not just for Checking accounts, I've been waiting over 12 days when I apply for credit card for a decision and even when credit score is high and everything looks fine I've been denied.

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 2023-04-04
Company: Goal Structured Solutions, LLC
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have reason to believe that the loan servicer has increased the interest rate of the loan, additionally, there seems to be inconsistencies in the monthly calculations on applying the interest and principal. Request this matter be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My case with PayPal was denied : XXXX I requested assistance with an XXXX refund problem due to an illegally listed rental that I attempted to cancel but did not receive a full refund for. All NUCs were ordered shutdown in Hawaii in XXXX as non-essential businesses, and on the island of XXXX where this rental resides mayor XXXX has never given the OK for short term vacation rentals to resume operating. It is illegal to operate an XXXX rental on the island of XXXX, this includes advertising your business. I would like assistance with getting my full refund for a fraudulent listing of illegal services. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The website may update over time, but as of XX/XX/2020 it states : On XXXX, short-term or vacation rentals are considered non-essential business and illegal to operate. 
This is because mayor XXXX has still not allowed them to reopen, for which they have sued him. While I feel bad for their plight, they have broken the law and illegally sold me services when the government has forbidden them from doing so. 

Here are some of the relevant government orders I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The shelter order has never ended. Per the NUC clarification guidelines they aren't supposed to operate or advertise during this period. They broke the law, they ran their their business illegally, I just want my money back so I can deal with a business in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comenity Bank has called me repeatedly ( at least 15 - 20 times over the last several months as recently as today and last Saturday ) regarding a Victoria Secret account that appears to be unpaid by a " XXXX '' XXXX. I'm unsure how to spell XXXX 's first name. I do not know or have any association with XXXX and have no idea how Comenity Bank obtained my phone number. Moreover, I do not have any accounts with Comenity Bank nor do I shop at Victoria Secret. 

Comenity 's messages are always urgent, they call throughout the day, on weekends, etc. and use blocked caller IDs. I do not answer as it isn't clear to me that this isn't a form of phishing or other fraud attempt, particularly given I have no association with any of the parties involved. I find Comenity 's debt collection efforts to be abusive, misdirected and unnecessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  XXXX XXXX, TX XXXX is listed on my credit report with TransUnion. Inquiry from XX/XX/2020. I did not authorize this inquiry. I called XXXX XXXX XXXX and was informed they had no information on me to file a dispute. I tried filing a dispute with transunion however it would not go through. and noone answers the phone.

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 2021-11-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I borrowed {$12000.00} USD from a loan provider by the name of XXXX XXXX while attending XXXX XXXX XXXX. That loan was in deferment and during the COVID 19 pandemic, the loan provider claimed that I'm a delinquent. This goes against former president Donald Trump 's executive order to place all student loans on temporary hold. They've ruined my credit. I no longer owe them money either. This must come off my credit report because it's unethical of them to go against the president 's order and we were in the middle of a pandemic. I can not resolve the issue via the credit reporting bureau.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. Therefor The account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. MY FTC REPORT IS ALSO ATTACHED BELOW! 


ACCOUNT NAME - XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt.

This ACCOUNT should NOT be furnished on my consumer report as they in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: DriveTime
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: Account information incorrect

Complaint:
Effective XX/XX/2020. Notified via email by XXXX XXXX that XXXX reported to XXXX credit agency that my auto account is closed and I only paid the balance down to {$660.00}. XXXX is still reporting inaccurate information to the all three credit agencies intentionally. I do not owe this Creditor anything, all my payments have been satisfied. The account should be reported as closed paid in full and in good standing. I have filed several complaints regarding the fraudulent activity that XXXX is reporting on my credit profile. My next step on tomorrow, Monday, XX/XX/XXXX, I plan to reach out for legal assistance regarding the ongoing harassment.

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 2021-05-23
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 45 days later, I have not received a response yet. It seems my disputes are being ignored and I feel like I'm being taken advantage of. 

It is plainly stated in Section 611 ( a ) that a failure to investigate these items within a 30 day time frame is reason enough to immediately remove said items from my credit report. Let me remind you, it has been more than 45 days since the time of my dispute - so these items should be deleted from my report promptly. 

I demand these accounts be deleted immediately as I am seeking litigation due to the financial stress this has caused. 

Note : it has also come to my attention that my information was impacted by the XXXX data breach some time ago AND the more recent XXXX breach.

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 2023-04-04
Company: PNC Bank N.A.
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:
On the XXXX of XXXX I went to my local branch to enquire in Good Faith. For a line of credit lone to help with personal use for a opportunity to help for education to help leave a family legacy. With all that I have been needing to accomplish, this was the final piece to the puzzle. My brighter future as CONSUMER to pull myself up buy my boot striped and achieve the American Dream. But unpronounced to me that dream would be burned to the ground by a fictitious report that should not. Hold any bearing of my character. The company that I would be working for is a dream for me to have because it would allow for all of my needs to be met.I have been discriminated against feeling the loss of HOPE as a single XXXX mother in this Heartless world of Thieves. There responds was well over 30 days and it's no wonder why because they only believe FALSE CLAIMS against people that a CRA reports with out any significant or consent.. This is a crime and whoever they are that have committed this crime I need CONSUMER justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: CA
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 have been a Wells Fargo customer for 20 years and throughout those years have been charged overdraft fees many times. I was bit informed of the lawsuit for unlawful practices nor did I receive a lettter in the mail. I find this very bad and would have wanted to be notified!

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 2023-03-17
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:
CREDIT COMPLAINT LETTER To Whom It XXXX Concern : I am writing to file a complaint against XXXX, Transunion and XXXX. 
I recently experienced fraud involving my information, unauthorized inquiries without permissible purpose and invalidated accounts still reporting negatively on my credit report. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX, Transunion and XXXX to date. I would like any and all accounts/inquiries removed that should not be there as they are impacting me negatively. I have been denied auto loans more than once recently due to these accounts on my credit being inaccurately reported. The companies did not receive my permission to obtain anything from my credit being as they were third parties and my information was shared without my knowledge .The collections shown are unable to produce proof of debt validation, committed auto fraud against me and the contract has been rescinded, sold my info to another company ( illegal ) or past statue of limitations and still on my report ( illegal ) never gave XXXX XXXX Transunion XXXX XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. XXXX, Transunion, and XXXX is in violation of 15 U.S.C. 16816,15 U.S.C. 1681c, [ 15 U.S.C. 1681d ] 5 U.S.C. 168le ] ,15 U.S.C. 16811, [ 15 U.S.C.

1681q ] and 15 U.S.C. 1681n, [ 15 U.S.C. 1681s-2 per the FCRA. I would like these items/inquiries removed immediately as I am not able to better my l situation with these still in place. If not I will be forced to pursue legal action and plan to seek remedy for damages. My current address is XXXX XXXX XXXX XXXX, Tx XXXX and I do not wish to have a phone number in place and am not obligated to. Any other personal information on my report should be removed as I can not be contacted through those avenues and some I do not even recognize as that information has never belonged to me 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 Please remove all non-account holding inquiries over 30 days old. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed Thank you for your assistance. 
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 2022-04-01
Company: EQUIFAX, 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:
As a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA XXXX or any other amount of damages pursuant to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I disputed multiple charges on my credit account I formally wrote these letters myself not using any AI or third party credit cleaning services I sent these letters off via USPS certified mail in the letters I am asking for my original copy of the contract with the companies stating that I would pay them or my signature stating that I gave consent to have my debit sold to these companies. On XX/XX/2023 8 days after making the dispute I received an automated email to my dispute claim that my claim has been closed and the collections was placed back onto my account, I did not receive any correspondence that I asked for but instead the creditors calling me asking for money after I asked them for the original contract with my signature they told me it will stay on my credit report and hung up Experian did not due a full investigation but instead responded back to me in 8 days and closed my dispute without providing me with any of the things I stated to prove that this debt is mines and I am in response of said debit and instead of sending me a letter they rushed used a robot through an email and not through US mail and also didn't even utilize the full 30 day investigation and made a final decision within 8 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 explanation
Consumer complaint received 2020-05-28
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been working on a mortgage assistance application for several months with Ocwen, XXXX XXXX and PHH Mortgage I've submitted financial and requested documents several times since XX/XX/2019. The mortgage has been transferred from servicer to servicer. Customer Service always states the request is being processed when I call but the mortgage assistance request is never finalized. My request has been in processing with several Relationship Managers as well. I don't want another property foreclosure sale date set for my home. I want to keep my home. My employment has been affected by Covid - 19 also. PHH is difficult to work with and customer service is difficult. 
Please assist me with the finalization of my mortgage assistance request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions 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:
Late Payments XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXXXXXX 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