BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA segment XXXX, you are required to destroy all records captured on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$3600.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2023, I received a payment on Venmo for a device I sold, totaling exactly {$51.00}. Upon attempting to transfer this from my digital wallet to my bank account, I was informed that my account was frozen. I did not receive any email communication as to why or informing me about the account issue at all. I communicated with Venmo 's online chat system that day and was told to wait between XXXX business days before there would be an updated. 

I chatted in on XX/XX/2023 again and was told that there was nothing I could do. They claimed that they would send an email when I could obtain the balance, but they did not answer why my account was frozen in the first place. When I pointed out that I was not receiving their email communications despite the fact I had confirmed it was the correct email and I had checked all my filters, they told me there was nothing they could do. They also said that I would not be able to withdraw the funds for at least XXXX  days. They could not give me an explanation why or offer any solutions. 

This is unacceptable as something akin to a bank, holding on to money and not letting a user access money for up to 6 months. This seems like a free loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Lennar Financial Services, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The appraisal for my home used outdated information, comps, and did not take into account current market conditions. I made several requests for my broker, Lennar Mortgage, to ask the bank/appraiser to use one of the many more recent comps in my neighborhood ( its a new construction neighborhood with many homes closing in the past few months ). However, the broker refused to convey my request to the bank/appraiser. Additionally, the broker will not share the contact information of the bank with me so that I can make my own request. 

History of the events : XX/XX/XXXX : Broker provides me with a copy of the appraisal using old comps XX/XX/XXXX : I requested that the bank/appraiser be notified of my request for new comps to be considered in the appraisal XXXX XXXX : Broker indicated they will not request changes to the appraisal stating that the appraisal met Lennar 's compliance regulations XXXX XXXX : I requested copies of the regulations XXXX : XXXX - XXXX : Several back and forth emails with little progress being made. 
XXXX : I requested that the appraisal be altered or the broker credit us for the cost of the inaccurate appraisal. Gave broker until noon XXXX to provide response. 
XXXX XXXX : Broker replied without giving direction to the XXXX request. 
XXXX XXXX : I requested the broker deliver a letter I had written to the lender and provide me with his supervisors contact information by noon on XXXX. 
XXXX XXXX : After no response from broker I sent a follow up email requesting a time when we would receive a response.

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 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX & Account Number : XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: M&T BANK CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 2022-05-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: NEW YORK COMMUNITY BANCORP INC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Flagstar Bank, and other banks it seems ( XXXX XXXX has similary policy that appears in XXXX search (, have a policy of requiring to be sent certified funds or through XXXX XXXX after 2 or more returned payments. They require it for 6 months. XXXX just enacted this policy for me after I missed 3 payments due to financial issue, and frankly negligence of becoming overly reliant on automatic transfers. 

This practice imposes a severe hardship on consumers in XXXX, where virtually everything is electronic. Going to a bank or XXXX XXXX is not feasible for many, and not practical for anyone. It increases the risk consumers will default on their loans by in fact making it more difficult to pay. More importantly, the legal contract for the mortgage does not allow this a remedy. They have a remedies for returned funds : charge late fees, and/or foreclose. Both of those remedies are spelled in the promissory note, requiring payment in certified funds or through XXXX XXXX is not. 

For individuals, living in rural XXXX, there may be no bank or XXXX XXXX within hours. However, they may have XXXX or other cash transfer apps, or the internet where cash is transferred everyday. For XXXX ( and other banks ) to limit the vast array of payment options when consumers are struggling is wrong, and I'm concerned illegal which is why I'm filing this complaint. 

I was informed today XX/XX/XXXX of this practice.

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 2020-06-10
Company: ALLY FINANCIAL INC.
State: AZ
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:
Ally is willfully reporting to the credit bureaus 30 day late for XX/XX/2019 and XX/XX/2019. Ally is in breach of an extension contract signed in XX/XX/2019 and damaged my credit rating unfairly. 

On XX/XX/2019 I entered into contractual agreement with Ally to extend all past due payments for 2 months from the date of XX/XX/2019 forward. 

The Ally manager I spoke with named XXXX confirmed that this contract would bring my account current. All delinquencies within the specified date of signing the agreement would be updated to current at the credit bureaus. 

For 6 months Ally has reported inaccurate information with total disregard for the contract it signed. Please be advised the CFPB record will show this issue was recently brought to the attention of Ally. 

Ally representative XXXX displayed gross and voluntary disregard for the CURRENT issue by simply uploading documentation from a previous incident to characterize the matter as an older resolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have sent a certified letter dtd XX/XX/2018, to Equifax disputing a particular account on my credit report. Equifax responded on XXXX, XX/XX/2018, stating that they researched the account and verified it belonged to me. I sent another certified letter on XX/XX/2018, requesting their method of verification by ways of copies of a legally binding contractual obligation to pay this account bearing my legal and valid signature, as per the FCRA 611 ( a ) ( 7 ). On XX/XX/XXXX, I received a letter from Equifax, again stating that this account was verified, without any of the artifacts, I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 explanation
Consumer complaint received 2023-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
USAA claims to have not received my debt validation letter, yet I have a certified mail slip XXXX XXXX XXXX XXXX XXXX XXXX that was signed for by USAA on Mon, XXXX XXXX, XXXX XXXX, which indicates this as untrue and they are continuing to practice slight of hand. USAA has since harassed me by phone despite my very clear terms of only communicating with me via a commercial affidavit, and specifically stated to NOT harass me by phone. USAA has not answered my requests POINT FOR POINT of the following. I quote specifically from the VOD sent directly to USAA at XXXX XXXX XXXX. XXXX XXXX TX XXXX. 

" * The amount you claim the Respondent owes you * An explanation showing how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * The original lawful contract I would also like to request, in writing, that no calls should be made by your agency to my phone line. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. '' USAA chooses to remain in dishonor in this matter. Once again, I request to be answered point for point via my VOD. USAA has failed to respond to me via a commercial affidavit within the 10 day period allotted, which places them in dishonor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: NCB Management Services Inc.
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: Information belongs to someone else

Complaint:
NCB management has sent me a letter stating my information has been compromised and leaked, my social security number and other information has been hacked, I am a victim of identity theft and my information is being used to open accounts, I want this resolved NCB management has now put me in a strain for leaking my information, I will except XXXX to cover for damages or I will turn this over to an attorney to settle this issue, im already talking with an attorney, but if NCB management wants to settle with me it will be XXXX plus taxes, I will file a ftc identity theft report, to report this serious issue, I have been experiencing excessive amounts of fraud from this, now since i know where my information has been compromised, now settle this matter or will sue for a lot more than XXXX plus taxes which 33 % thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2018, I sent a certified letter disputing multiple inquires on my credit reports. Trans union was previously notified about the Identity theft. I detail out names and dated of inquiries that are not mine. I also disputed a Bankruptcy and sent in a letter from the bankruptcy court that they do not report information to any credit reporting agency so please remove this information. I spoke with a XXXX and she informed me even though she see it noted about my Identity theft they will not remove the hard inquires. I pointed out how someone applied to the same company multiple times who in their right mind would do that. I just want the incorrect information removed. The last time this happen I had to file a complainant in order to get the information off. This should not be the process. This has an adverse effect on my life and livelihood. and if i am unable to get this information removed I will seek legal action. I have evidence of such, via certified mail receipt, I am maintaining a careful record of my communication with Transunion for the purpose of filing a complaint with the Attorney General Office, should this non compliance of the federal law under the fair debt collection practice act, the fair credit reporting act I remand you that as in XXXX v. Trans Union Corp No. XXXX you may be liable for your willful no compliance Any other action against your company I will be seeking {$1000.00} per violation for defamation, Negligent enablement of identity fraud and Violation of the fair credit reporting act.

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 2023-03-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2020-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Capital One was notified of hardship due to Covid 19 pandemic when asked to defer payments this was denied. Complaint made with CFPB regarding this on XXXX this was no help. Today XXXX reached out again to make arrangements was told by customer service that his manager gave permission for 2 payments to be deferred but a regular payment was needed. Not only did we do regular payment of XXXX but an extra XXXX was paid once this was paid they said they couldnt defer the 2 payments. This conversation per recording and customer service rep was being recorded and my husband was also part of this conversation. We were told there was nothing they could do for us other then a month. Was then transferred to a different department an account specialist they too said it was a company guideline. So again we were taken advantage of. We tried making arrangements as well as as given XXXX plus dollars that during this time is difficult to do and to be told they would help and deceived of to get money is unacceptable. Something needs to be done!!!! Acct number for our loan is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Servis One, Inc., Titusville, PA Branch
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Received XX/XX/XXXXstatement in XX/XX/XXXXand amount due was listed as {$1200.00} ( 4.375 % rate ) which I have been paying. I have my payment withdrawn automatically and the amount they withdrew was {$1300.00} ( 5 % rate ). When I did discover a shortage in my checking account I researched only to find that XXXX   deducted a different amount than my statement. Upon numerous calls, why has there been no return call from XXXX  with resolution? I was told that there is a note on my file stating that the account is under investigation. Who does not call a client when there is a problem and who changes/reverses an account 'completely ' without discussing it with a client. I had a modification done XX/XX/XXXX and the rate was taken to 4.375 %. I have the paperwork which is signed and notarized. Next statement I received reversed my legal agreement of XXXX XXXX and changed all the statistics WITHOUT DISCUSSING OR REVIEWING WHAT IS GOING ON WITH ME. It's now well over a month ago and when I do call I am being told that it is still under investigation. My XX/XX/XXXX payment of {$1200.00} is not being properly reflected and I'm getting calls asking when I am going to make a payment ... which they already had. Personally, I feel this is a computer glitch and should have been resolved within a week. I canceled my auto payment and sent a check in the amount of {$1200.00} for XX/XX/XXXX as per our agreement enclosed and notarized. Any wrongly withdrawn monies, {$66.00} to be exact should be applied to my principal. I need XXXX to make the corrections back to 4.375 % and legally honor my XX/XX/XXXX agreement. I have sent them a copy of the agreement that they signed and notarized.

Company response to consumer: Closed with explanation