BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2018-02-21
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2018 I got an unexpected Membership fee of {$95.00}. If I did not look at my account regularly, I would not have noticed this other change. I tried to resolved with Citibank and could not. I am trying to close the account and might have to still pay the $ 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 2017-12-03
Company: AMERICAN EXPRESS COMPANY
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I has XXXX miles saved up since 2011. My account was delinquent by {$13000.00} for 2 months. XXXX closed my account and took all of my points. The points alone could have paid for the balance. Total BS. Then XXXX told me if I paid the $ XXXX I can get a lower card instead of the Platinum. After I paid, I applied for a points reimbursement it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: NC
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 FCRA XXXX XXXX bank XXXX and XXXX has violated my rights under 15 USC 1681 section 602, which states that I have the right to privacy furthermore 15 USC 1681 section 604a 2 call also states, a consumer reporting agency can not furnish an account without my written instructions. Oh, lastly, under 15 USC 1666B and creditor may not treat a payment on a credit card account on an open-ended consumer plan as late and 15 USC 6802 obligation with respect to disclosure of personal information.

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 2022-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Bank of America is currently reporting a closed account that was paid in full never had any late payments. On XXXX of XXXX, I have a 30 day late payment being reported inaccurately with a balance when this balance has been paid off in full paid directly in the Bank of America bank branch in XXXX XXXX, New Jersey. During Covid which they violated due the deferral I had placed on my credit card at the time they were in violation of the following. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX, through either XX/XX/XXXX ( 120 days after XX/XX/XXXX, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.

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 2020-03-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has locked my account and frozen over {$1000.00} in there. They said some of my activity sending money to friends was suspicious. They asked for my bank account info, drivers license and a description of the charges, all of which I have provided. 

They sent me an email saying they would take 5 days to review my account. 5 days???? In a major crisis? I have had this paypal account for 20 years, and it is absolutely outrageous they would arbitrarily freeze my funds especially now. I can't transfer the funds out. Even if the suspicions were founded they do not have the legal right to freeze my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Discrimination of lending products offered initially but XXXX Bank. Credit profile shows credit worthiness. Underwriting decided to use unwarranted business income verification to then disqualify me as a consumer to continue the process. I believe this to be biased in regards to the worthiness of credit to obtain information for a loan. Led to believe the application was being granted. Sent in sensitive tax records as well as banking documents to support only to be misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX I have recently pulled my Equifax credit report and notice an account has been investigated and deleted by another credit bureau still being reported by Equifax. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete these accounts for accurate reporting. They should be deleted in order to show my true credit history.

XXXX has removed all accounts associated with XXXX XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors.

XXXX XXXX XXXX Account # XXXX   Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete.

Thank you for your cooperation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: MD
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 a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # 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. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 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 2021-06-22
Company: CHARLES SCHWAB CORPORATION, THE
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or around XX/XX/XXXX I discovered I was unable to login into my Charles Schwab checking & brokerage accounts. I have around {$300.00} in checking, and {$6000.00} in brokerage accounts ( one auto investor, one basic investment ). When I called customer service, I was told I my account was locked and in their fraud investigation department and that I would hear something in 3-5 business days. I've called at least 4 times, generally beginning and ending of each week, with the last time on XX/XX/XXXX and am always told the same thing - 3-5 business days and that they would email/contact the fraud department on my behalf. It's now been almost 3 weeks without access to my funds. I want to stay with Schwab based on others positive experiences, but if customer service is like this ( holding my money hostage ) then I may question whether I should. I need assistance either getting my account access back or my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home located in XXXX XXXX, Texas XXXX in XX/XX/XXXX with a conventional home mortgage funded with XXXX Mortgage. In XX/XX/XXXX, my loan was sold to XXXX mortgage. I had no issues during payment with XXXX Mortgage and XXXX mortgage. In XX/XX/XXXX, my loan was sold to PHH Mortgage. I routinely make extra principal payments each month of varying amounts based on additional income I have available each month. Initially the PHH mortgage website added a Pay to Pay fee of {$7.00} per month if I did not agree to accept all correspondence from PHH electronically. I did not want to accept all correspondence electronically, but I also did not want to pay this fee each month just to pay my mortgage online. A few months later, in XX/XX/XXXX, the website then stated that it would add the Pay to Pay fee again, if I did not agree to direct deposit. I do not want to automate payment because I will end up each month paying different amounts, which are varying direct principal payments. Texas has a consumer protection statute that limits all fees to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed, in the aggregate, two percent of the original principal amount of the original extension of credit. Section 153.5. The purchase price of my home was {$170000.00}. Based on this statute, the maximum fees to originate and service my loan are capped at {$3400.00}. At closing, I paid {$2000.00} of fees that are considered part of this 2 % cap limitation. That means no fees greater than {$1400.00} can be charged on my mortgage for its remaining duration. I also did not agree to pay {$7.00} every time I make my monthly payment electronically on my mortgage in the original note, which is the controlling contract as assumed, and unchanged, when it was purchased by PHH Mortgage. If I paid {$7.00} for the life of the loan, I would pay {$2700.00} extra of a 30-year term just to pay for my mortgage. This is an unlawful increase in my monthly interest charge that I did not agree to. This Pay to Pay fee is not included in my note. This Pay to Pay fee costs more than PHH Mortgages the cost of processing an electronic versus a direct deposit payment because both are handled by computers and EFT transfer requests to my bank.

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 2018-03-24
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX Bought a debt from XXXX, so the original creditor was payed for the amount the bill actually was, which was back in XX/XX/XXXX, XXXX XXXX XXXX bought the debt in XX/XX/XXXX and it was placed on my credit report as a recent collections debt. I tried to file a dispute with the credit agency and they refused to remove it from the credit report. I requested the original contract from the original debtor and it says that XXXX was Paid, So it needs to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX is fraudulent. The vehicle was repossessed. The vehicle was in my deceased husbands name. I am not responsible for this fraudulent loan. My late husband, XXXX XXXX was responsible for this loan. The vehicle had been repossessed but it constantly updating every month on my credit file. Please remove this fraudulent information from my credit file or I will seek legal actions. With my income, being that XXXX XXXX, I couldnt possibly afford a vehicle at that price. My personal information was stolen. 

Account : XXXX XXXX XXXX Account # : 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 2023-04-24
Company: Army and Air Force Exchange Service
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In 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 USC 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. 
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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 2022-02-18
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX {$4300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: SUNTRUST BANKS, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I defaulted on a loan and the vehicle was repossessed. Suntrust bank sold it at auction then kept trying to collect the balance owed, approximately $ 20k. I couldnt pay the debt so after time it was turned over to several collections agencies. My husband passed away XX/XX/XXXX and I received a small insurance settlement. Several months after his passing, one of the collections agencies called and offered to settle the debt for $ XXXX. I was having a bad day and unfortunately agreed to settle. I gave them my bank account information and the funds were deducted and used to settle the debt. I never received anything in writing and the only proof of the settlement I have is from my credit report. Then, before filling my taxes for XX/XX/XXXX, I received a XXXX  for the $ XXXX that was written off. No one from the collections agency told me this would happen. Had I known, I would not have settled the debt. In fact, about 6-7 months afterward, I ended up filling for bankruptcy. Had I not settled the debt, I could have included it in the bankruptcy and would not have had to include the settlement on my taxes. Since I never received anything from the collections agency, I dont even know how to contact them to complain, although I doubt it would make any difference even if I did. Is there anything that can now be done?

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 2020-03-22
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage through Specialized Loan Servicing. I was behind on mortgage and took money from my 401k to get caught up. I was told one amount over the phone so I paid that amount plus an additional mortgage payment. Once the payment posted I called to see if the late fees totaling {$1100.00} could be removed and I was told I needed to email a different depart to request they be removed & I was told I should have a response within 7 business days. So after two weeks I called to follow up and was told they didnt show an email but that the rep could handle the request over the phone so he put in a request. So again, I had to wait. In the mean time I received a statement with a regular mortgage payment and another fee labeled unapplied/suspense. Confused about what the unapplied amount was for, I logged on the the website to look at the transaction & payment history. Even more confused, I called again. Spoke to a different person and the rep told me the unapplied was money left over but not enough for a full payment but I could add {$210.00} to the unapplied to make another complete payment so I did that, so now Im totally current. The problem is Im being told different stories about the late fees. 1 ) First I was told the account needed to be current before the fees could be removed 2 ) then I was told there was no way to just pay the late fee and that they would be on there for the life of the loan unless I made the payment all at once which is what I thought I did when I made the large payment on XX/XX/2020 for {$11000.00}. Because prior to making that payment, I called to get the exact amount and was told {$9800.00}. 3 ) Next, Im told to email a request, then I was told to request removal over the phone. 4 ) Now after asking about why the payments Im making arent going towards the payment thats due, I was told that I keep getting late fees because it looks like Im making partial payments when Im not. Im making a full mortgage payment. Now Im being told that they removed one late fee for {$48.00} but that is all they would do. I explained to them that {$1100.00} would be better spent on the XXXX mortgage payment but I havent been able to get a straight answer. Each person tells me something different. I asked to speak to a manager or supervisor and was told one would call me back but they have not called. Im terribly frustrated because my mortgage has been sold three times and this is the worst company I have had. The first mortgage company was XXXX XXXX then the load was bought out by XXXX  XXXX XXXX now Specialized Loan Servicing. 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