BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: EQUIFAX, 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Mercury Technologies, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, I opened an account with Mercury on the XXXX of XXXX in order to make easier International wire transfers to our pruveyors. After transfering XXXX usd in several transfers due to daily transfer limits which I tried to raise. ( Communicating with their help team ) On the XXXX of XXXX Mercury decided to suddenly close our account and keep the funds until further notice without giving any exact information on why they closed it ( The only reason given was we broke their agreement ) or when will Mercury return the funds. After having tried to communicate with them for over a month and them not replying, just resending the same email over and over I managed get a phone number where they told me they couldnt do anything about i, it was all through the compliance department which resent me the same email after I called. The email says this : Hello, Your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. Funds are being retained by Mercury at this time and will not be immediately returned to you. Should we return the funds at a later date, you will be notified. 

Best, I tried to solve this issue with XXXXXXXX XXXX XXXX XXXXXXXX which is the bank that currently holds my Mercury bank account, and they told me I can only solve this issue with Mercury. 

The company doesnt reply and has no legal right in keeping our money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
I was denied for a mortgage loan and came to find out there is a charge of account on my personal report from American express that I never remembered being a guarantor to. This has totally damaged my credit report and i have disputed this and nothing has been done. They are not able to validate or show any proof that I was a guarantor to this loan. 
This credit report shows the account was opened XX/XX/XXXX and was last reported on XX/XX/XXXX. It has a current balance of {$22000.00}. Original balance was for {$66000.00}. Their remarks states " Charged off as bad debt|Canceled by credit grantor. '' The account number is XXXX. This report can not not be possibly accurate base on the events even stated on the report. You can not report anything on anyone 's report if there is any errors. This has destroyed all my life of getting a home after having been working on my credit for years. This should totally be unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I submitted a claim against spirit airlines for XXXX charges. Both were the same amount XXXX dollars. XXXX for a XXXX flight and XXXX for a XXXX flight, both were to XXXX and impacted by the XXXX and had to be canceled. XXXX refused to refund the flight only pushing a voucher which I did not want. I filed a claim with the bank for the charges. The bank then closed XXXX of the claims and tagged it as a duplicate. When I called to question. This and Inform them it was not a duplicate they gave me an attitude. They admitted they messed up and it was not a duplicate but said they would not give me the temporary credit back and would add notes. When I asked for a manager I was put on hold at XXXX. The agent came back at XXXX and said they are done adding notes. I asked where the manager was I had asked for and they claimed the managers left at XXXX pm. I than said they did that on purpose and it was not acceptable. The agent refused to get a manager and hung up on me. They then closed my account a XXXX hours later for no valid reason. I have been a customer for almost a XXXX for this bank. They locked my debit card and online banking and will not give me access to my money. They blocked my attempt to withdraw my funds saying they will mail me a check when they finalize the closure. This is ridiculous as my rent is due and now I can not pay it. When I asked for a letter from them stating they were closing my account because of a bank decesion, and that they were with holding my funds they would not provide XXXX and said I would get XXXX in the mail when it is finalized. They have illegally with held my money and caused me to get late fees and possible eviction notice if the rent is not paid shortly. They did nothing to resolve the issue and kept saying it was a bank decesion and they dont have to give me a reason. This is unnaceptable and they have now caused me XXXX damage as well.

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 monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes, XXXX XXXX Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I demand that you exclude the following transactions from my consumer report. According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

See transactions below. 

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 2023-12-01
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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  Accounts, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2023-12-01
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Goldman Sachs has failed to properly investigate identity theft that occurred by someone I knew who used my identity to commit fraud against goldman sachs and myself. They have been provided numerous police reports and identity theft reports but decide they are above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX {$4600.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$4100.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$4600.00} XXXX LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$4800.00} XXXX LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU Many of these accounts were reported as delinquent however these accounts are currently in good standing and need to be removed from being reported as such. 

Any addresses or phone numbers that do not accurately identify me should be removed.

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 2023-01-08
Company: EQUIFAX, INC.
State: NY
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 Convergent Accounts, XXXX XXXX  # XXXX, XXXX XXXX XXXX CO # 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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I sent goodwill letters to the CEO of XXXX XXXX regarding late payments on my credit card account from XX/XX/XXXX to XX/XX/XXXX. The reason for the lateness was because of financial hardship due to being laid off and the unemployment extending longer then expected. In both attempts in requesting to have these lateness removed I was denied my request. I have been a loyal customer of XXXX XXXX since XX/XX/XXXX and this is the only time I have ran into this issue. Since XX/XX/XXXX I have been paying this account on time and have not have a late payment since as well as had a car loan account with XXXX XXXX which was never paid 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 2023-12-01
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit 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:
I closed my Apple card two months ago. A return was made on to my card for {$150.00}. They have not returned it. I can not talk to anyone. I've been left on hold and transferred over and over again. I have no email to contact Apple at Goldman Sachs. All options for complaints are for banks and conglomerates. The hold times and transfers are used as a shield against returning client money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management is suing me for a debt that I have proved to them was fraudulent. 

They have failed to verify the debt but states that the debt is accurate. I requested a signed signature showing the debt is mine & they have not provided any proof of this. 

I attached a police report as well as an identity theft report. I'm also including the XXXX XXXX XXXX XXXX. 

Midland has been sued for failing to verify debts in the past ( which I have attached ) & they are failing to verify my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2023-08-11
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Appeals Team, I hope this message finds you well. I am writing to address a matter of utmost importance regarding my PayPal account, which has recently been permanently limited. I believe this limitation is the result of an unfortunate misunderstanding, as I have always been a dedicated and compliant PayPal user. 

I wish to clarify that I have not, in any way, violated PayPal 's policies. I have consistently used my account for legitimate and lawful transactions, adhering to the guidelines outlined in PayPal 's User Agreement. The limitation has left me perplexed, as I have never engaged in any activity that could warrant such an action. 

I kindly request that PayPal consider re-evaluating my case with a fresh perspective. It is my earnest appeal that you thoroughly investigate the situation, and I am confident that your findings will corroborate my adherence to PayPal 's policies. 

I understand that mistakes can happen and systems might misinterpret certain activities. Thus, I humbly ask for your assistance in rectifying this situation. If there has been any confusion or miscommunication, I believe this can be swiftly resolved through a comprehensive review of my account activity. 

My PayPal account has been an integral tool for my online financial transactions, and its permanent limitation has caused significant disruption. I genuinely value the services PayPal provides and wish to continue utilizing them responsibly. 

I would like to kindly request that you consider restoring my account to its full functionality. This would not only alleviate the inconvenience I am currently facing but also reinstate my trust in PayPal 's commitment to fair and unbiased account management. 

I am hopeful that PayPal will recognize the inadvertent nature of this limitation and promptly take action to rectify it. I am eager to resume using PayPal for my financial needs and to continue being a responsible member of the PayPal community. 

Thank you for your time and consideration. I eagerly await your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: IL
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 Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy. 


15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency 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 2023-03-06
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called Shellpoint Mortgage/New Rez to ask about assistance with my XXXX payment, the rep on the phone informed me that they could do a repayment plan, however, misrepresented the fact that I would be reported late on my account. I specifically confirmed with them that if I paid by the XXXX, my payment wouldn't be counted as late and the representative confirmed that it would not. However, when my credit was pulled to buy a new home in XXXX, XXXX and XXXX were marked late. I submitted a dispute to the credit bureaus, as well as directly with Shellpoint/New rez and nothing has been resolved. I have called Newrez/Shellpoint since XX/XX/XXXX and I am never able to speak to someone about my issue, they just redirect me to emails or links on their site. I have followed all of their guidance since XX/XX/XXXX to resolve this issue and the only thing I received was a letter on XX/XX/XXXX from them that did not address my issue, which was that their representative misrepresented information that resulted in my account being reported late to the credit bureaus. I have asked them kindly to please remove the two late payments as a cause of their employee, however I have not received any notice that they will. This has placed a huge burden on our current home search, as my XXXX XXXX dropped. I have asked Shellpoint/New Rez to review the call where their representative set up my auto pay and confirmed that it would not be late, however, they have failed to do so. I in fact made the payments on time for XXXX and XXXX, my account was set to autopay and it was confirmed with me that my payments would not be late. Had I known, I would have avoided this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We would like a loan modification we can afford. The servicer is giving an interest rate of 4.625 % which increased from the original 4.5 % interest rate. 
We would like to exceed the 25 percent Principal and Interest reduction because we can not afford the payment. 
Handbook 4000.1 III.A.2.o.iii ( C ) ( 1 ) and ( 2 ) at : https : //www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

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 2023-02-20
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report recently and I saw some accounts that are being reported on my credit file but are false. These accounts are derogatory and do not belong to me. I also have no knowledge of who would have access to my credit file. Due to these accounts, I now have no chance of acquiring new credit. I am pleading for a reinvestigation into this matter and to have these derogatory accounts removed 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