BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23 PayPal put a limitation on my account that I have had with them for several years. I used it to do a secure purchase to buy from XXXX XXXX for {$470.00}. PayPal refunded the purchase so I am not getting the product I ordered, and I am being told I will not be able to access that money for 180 days. I spoke with a customer service representative and she was not helpful. Her supervisor was even less so, claiming they could not give a reason as to how I supposedly violated their terms of service. They have given me nothing in terms of resolution. I am being told there is no way to dispute their " limitation '' of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
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:
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 XXXX : XXXX, -Account Name : XXXX XXXX XXXX XXXX  -Account Name : XXXXXXXX XXXX XXXX  -Account Name : 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 : Also states a consumer reporting agency can not furnish my account without my written permission. 15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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. 5 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. 


ALL OF THESE ACCOUNTS ARE LISTED AS APARTMENT AGENCIES. I XXXX XXXX, HAS NEVER BEEN ASSOCIATED WITH ANY OF THESE ENTITIES. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT AS THEY DO NOT BELONG TO ME.

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 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
this complaint is in regards to my Capital One Quick Silver Card ending in XXXX. 
Capital one keeps flagging my account for fraud when i make my CC payments every week or every other week to avoid interest. And of course get my 1.5 % back. 
they placed my card on hold on XX/XX/XXXX. l called them and had a 3 way call with my bank to verify it was in fact my bank account. Mind you, it's the same Cap 1 card and same bank that i have been making payments on for over 2 years. 
They placed my account on hold again for the SAME exact reason this week on XX/XX/XXXX. 
Once again, its the same credit card and same bank account. They are refusing to unlock my account. I asked the fraud department to look at my history. let them know I had already verified my account. but they refused. I asked for a XXXX and was not allowed to speak to anyone else. Employee I spoke with was XXXX. Employee number XXXX. 
I believe this is a ploy to get me not to pay my account so frequently so I can accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hard inquiry dated XX/XX/XXXX by XXXX XXXX still appears on my Experian credit report more than two years later on XX/XX/XXXX. See attached relevant pages of my credit report dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
XX/XX/2023. I requested to Experian to update and report accurate information many time. but they haven't update my credit profile. even though I submitted a letter from the creditor stating that the account is closed and never been late.

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 2023-06-03
Company: LEXISNEXIS
State: IL
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus and Or XXXX Lexus verify my bankruptcy as 100 % Accurate. Whats the procedure? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. How did you verify information that I gave no permission to be made? How did you verify information when the court said they dont give out that type of information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
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 U.S.C. 1681 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 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 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 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
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: 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, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to the hospital complaining of XXXX  of XXXX  and XXXX XXXX  in XX/XX/2016. I stayed 3 days and was treated for XXXX and XXXX. A year later I received a bill. I immediately contacted the hospital and my health insurance carry to get an explanation of why the bill was denied. However, the representation informed me the appeal process time had passed and it was nothing they could do to assist me. Furthermore the claim was denied with 24 hours of me getting admitted of which I was not informed. I recontacted the billing department at the hospital and was told to email the billing supervisor of which I did but no response. I said that to say if I would have received a bill in time enough I could have appealed my health insurance decision. This bill has now been place in collections with Transfinancial Collections and the hospital has no records of the bill because its no longer in their system. I have never did any business with transfinancial company and I believe this is a HIPAA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
seems XXXX XXXX XXXX HIRED A LAWYER TO COLLECT XXXX I DO NOT OWE XXXX XXXX XXXX XXXX NOW WANT XXXX FOR THIS LAWYER XXXX XXXX I DISPUTED IT SEVERAL TIMES SENT E MAILS NOW THEY HAVE MY PERSONAL BANK ACCOUNT NUMBER CAN THEY TAKE MONEY FROM MY ACCOUNT??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: AMERIS BANCORP
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
ON XX/XX/22 I APPLIED FOR A MORTGAGE WITH AMERIS BANK. TO BUILD I SPOKE WITH THE AGENT XXXX XXXX. I COMPLETED THE APPLICATION ONLINE AND WAS SENT A PRE APPROVAL LETTER. DURING THE CALL WHEN I GAVE HER MY INFORMATION. SHE ASKED ABOUT MY INCOME AND NUMBER OF PEOPLE IN MY HOUSEHOLD. I ADVISED HER AND ASKED HER ABOUT A PROGRAM FOR DOWN PAYMENT ASSISTANCE IN XXXX XXXX THE XXXX ADVANTAGE. SHE ADVISED ME I DIDN'T QUALIFY FOR IT DO TO MY INCOME. I CLARIFIED THE GUIDELINES SHE AGREED THAT I DID QUALIFY BY INCOME BUT THE PROGRAM WAS CLOSED. I READ ON THE XXXX  XXXX XXXX THAT THE PROGRAM WAS STILL OPEN AND CALLED XXXX XXXX TO VERIFY THAT IT WAS STILL OPEN AND I HAD TO HAVE AN APPROVED BROKER WHICH I DID AND THEY WOULD HAVE ACCESS TO THE PROGRAM. 

THE HOME THAT WE ORIGINALLY PREQUALIFIED FOR WAS NOT AS EXPECTED. HOWEVER, ON XXXX XX/XX/XXXX. I FOUND ANOTHER PROPERTY AND WAS RURAL USDA QUALIFIED. I WANTED TO PUT AN OFFER IN AND CALLED XXXX LEFT HER THE DETAILS ON THE PROPERTY ADDRESS ETC. AND ASKED HER ABOUT THE USDA LOAN. 

ON XX/XX/XXXX XXXX SENT A TEXT MESSAGE STATING FHA IS ONLY OPTION DUE TO FORECLOSURE. AND HOW MUCH IS MY HUSBANDS INCOME. 

I ADVISED HER MY " HUSBAND '' WOULD NOT BE ON THE LOAN AND MOST LIKELY WONT BE RESIDING IN THE HOME. ALSO IM THINKING WHERE DID SHE GET THAT I HAVE A HUSBAND FROM. AS I NEVER MENTIONED TO HER ABOUT ME BEING MARRIED HIS INCOME WAS NEVER A QUESTION. 

SHE AGAIN STATED THAT HE WONT RESIDE THERE AND IT DIDNT MATTER. THIS IS 3 DAYS AFTER THE CALL. AND SHE STATES WITH HIS INCOME I WONT QUALIFY FOR THE USDA. 

I THEN RECEIVED A CALL FROM XXXX XXXX XXXX XXXX XXXX THAT HE SPOKE WITH XXXX AND SHE TOLD HIM I COULDN'T AFFORD A NEW BUILD AND HE DIDN'T WANT US TO WASTE HIS TIME. ( I SPOKE WITH XXXX ON 2 OCCASIONS BEFORE ONE WAS EARLY IN THE YEAR AROUND XXXX AND THEN AS OF XXXX OF THIS YEAR HE BEGAN CALLING AND EMAILING TO INQUIRE IF I WAS STILL INTERESTED IN BUILDING. I SPOKE WITH HIM AND ASKED HIM ABOUT LAND AND BUILDING HE ASKED HAD I STARTED THE PREQUAL PROCESS AND HE ASKED WHICH BANK I ADVISED HIM XXXX. ) XXXX XXXX OR XXXX XXXX DID NOT ASK FOR MY CONSENT TO DISCUSS MY FINANCES. ) THE EMAIL WITH MY PRE-QUALIFICATION LETTER SAID THAT IT WAS CONFIDENTIAL AND INTENDED SOLELY FOR MY USE. I DID NOT PROVIDE MY XXXX THE LETTER OR XXXX XXXX ANY INFORMATION TO RELEASE MY INFO TO XXXX XXXX. BOTH PROPERTIES I ASKED HER ABOUT WERE NOT NEW CONSTRUCTION SO SHE HAD NO REASON TO DISCLOSE MY INFORMATION TO HIM. 

I FEEL THERE ARE MANY VIOLATIONS WITH THIS INTERACTION. FIRST I DID NOT GIVE XXXX PERMISSION TO DISCLOSE MY INFORMATION TO ANYONE.MY PRIVACY WAS BREACHED. WHEN SHE ASKED WHO REFERRED ME I ADVISED HER HOW I GOT HER INFORMATION FROM THE XXXX XXXX AND USDA WEBSITES. SHE ALSO WAS NOT TRUTHFUL ABOUT THE DOWNPAYMENT ASSISTANCE PROGRAMS AND I FEEL AS THOUGH SHE DISCRIMINATED AGAINST ME FOR ASKING ABOUT THE ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please delete this inaccurate information from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't have or never have XXXX and I never was late on anything I just saw this contacted cards they said its too late. Please help

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 2023-01-31
Company: Earm LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
There is a company called MAC with phone # XXXX calling saying that I owe a debt from XXXX with an XXXX Loans. I have never taken out a loan with any company by this name. Furthermore, they are giving this information without even verifying who I am. They ask name only and then give me the last XXXX of my social. They are referencing a company I haven't worked for since XXXX and saying I took out the loan when I worked for them but yet stating I took out the loan in XXXX. The message left is threatening. Hello this message is intended for ______________ if this is you please press XXXX _______ ___________ my name is XXXX XXXX calling with payment processing the reason for my call today is to verify the address we have on file as we are preparing documentation to file in your case we have now made several attempts to reach you via mail and also XXXX phone calls which were unsuccessful you've now been flagged as evasive and noncompliant in order to avoid further penalties that are set to be filed against you we need to speak with you immediately today at XXXX again the phone number is XXXX so you can press one now thank you and good luck This was left on an initial call when no other calls have been made and no attempts in mailing me have been made. When I call, they hang up, yell at you, tell you you need to grow up and handle your debts, tell you to get over yourself, and specifically state they will continue to harass you if they want to even when told to stop calling. They are calling my family as well leaving threatening messages. This company needs to be stopped. The phone number they are calling from is a different number than they are asking to call. When I block the number, they start blocking their number and leaving the same robocall voicemail. The XXXX number is documented on XXXX by many people across the XXXX with the same actions being taken against them. Please take action. These people are trying to scam hard working Americans out of money.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-18
Company: Early Warning Services, LLC
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money using the business choice to get goods from an online store never received the goods and have not been able to get in contact with the merchant since XXXX. I sent {$480.00} to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I closed on a cash out refinance with Quicken Loans ( now Rocket mortgage ) in XXXX of XXXX at an interest rate of 3.99 % for a 15 year mortgage. 

About three months later they contacted me repeatedly ( over 20 phone calls ) to tell me that they could refinance my mortgage at a lower rate ( in the 2.5 % range ). I agreed to go through the process as it would decrease my interest costs. Over the next 4 months I repeatedly responded to multiple requests for documentation. I responded to every request. They told me the closing was delayed due to Covid and kept extending the process. Eventually they decided that they wanted to run my credit report again ( the third time in a year ) and then suddenly ended the process in XXXX. The process lowered my credit score and prevented me from obtaining a home equity line because of their false promises of an imminent closing. 

One month later they began calling me again to say that they had a new process and could now refinance my loan. They called me over 30!! times. Eventually I decided to try again ( given they had completed the first mortgage in XXXX I assumed they were being sincere and maybe just had a Covid related hiccup ). With that said, I again fulfilled every information request they had. After two months of providing documentation to them, they contacted me to say that due to a change in underwriting requirements which they refused to explain ( XXXX XXXX from the Leadership Team called me to tell me that ) they could not complete my refinance.. 

After closing my loan they have begin calling me again to refinance my mortgage. 

Their abusive process has cost me significant time and money due to the negative effect it has had on my credit score and the associated additional interest costs I have incurred. Tey have tied me up for over 9 months with promises to close on a loan that apparently they never had any intention of completing. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: ACS Education Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Furnisher : Conduent Education Services ; Account Number : XXXX. I submitted a dispute and requested and investigation directly with the furnisher as stated in the Fair Credit Reporting Act ( FCRA. ) The dispute and request for an investigation was regarding specific inaccurate information being reported to my consumer reports ( i.e., inaccurate late payments. ) The furnisher received my letter via certified mail on XX/XX/2018. Conduent Education Services failed to comply with the FCRA dispute to furnisher guidelines including ( a ) conducting reasonable investigation, ( b ) report results to consumer generally within 30 days and ( c ) failing to notify the consumer of the status of the investigation and if it was even initiated. These are major violations of the FCRA and the furnisher should held accountable to the fullest extent of the law for failing to comply and violating my consumer rights. See attached uploaded documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
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: Account information incorrect

Complaint:
i have hard inquiries that appeared on my credit report across all three credit bureaus TransUnion, XXXX, XXXX on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( TransUnion ) XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation