BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Duane C. Romanello, P.A., Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased an owner-occupied home on XX/XX/2019 from XXXX XXXX  Services for XXXX XXXX XXXX # XXXX. I obtained a loan from XXXX bank which is now XXXX bank in the amount of {$160000.00}. 

My sales contract shows the legal property description as follows : Property Description : The property is located in XXXX XXXX, Florida. Property Tax Id : XXXX. Legal description of the Real Estate Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Warranty Deed I received at closing lists the property description as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, according to the map or plat thereof, as recorded in XXXX XXXX XXXX, Page ( s ) 10, of the Public Records XXXX XXXX XXXX, Florida. Parcel Identification Number : XXXX. 

XXXX XXXX XXXX XXXX illegally changed the legal property description, submitted a fraudulent warranty deed to XXXX XXXX XXXX  XXXX now XXXX XXXX ) that excluded Lot 1 and Lot 2 from the warranty deed I received at closing. 
XXXX XXXX XXXX XXXX sold Lot 1 & Lot 2, to two different, out of state, married couples who they have previously completed several real estate transactions with. I am not certain if these individuals who are actual people or fake people. Lot 1 has the address of XXXX and Lot 2 has the address of XXXX. The homes are being managed by a property management company called XXXX XXXX. I have substantial evidence that will prove that fraud and other illegal acts in a real estate transaction was committed by XXXX XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise.. 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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX and TransUnion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened XXXX XXXX, 2021 Balance : {$280000.00}

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 2021-10-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/21 I transferred {$7100.00} to what I thought was my wife 's new account at USAA but, I mistakenly entered her USAA member number. We called the bank on or around the XXXX to see why it has not been credited to her account. At that time a representative indicated that that had happened to them before and that I should just let the normal process take place and that the bank would recognize the On XX/XX/21 I transferred {$7100.00} to what I thought was my wife 's new account at USAA but, I mistakenly entered her USAA member number instead of her account number. We called the bank on or around XXXX the XXXX to see why the funds had not been credited to her account. At that time a representative indicated that I made a mistake and indicated the same had happened to them before and that I should just let the normal process take place and that the bank would recognize the error and that would activate a return of the funds. I waited several days and the funds were never returned. With the assistance of a member agent, on XX/XX/XXXX, I was instructed that the next step was to request to dispute the transfer. On XXXX, XXXX I received a denial and the dispute was closed. Today I talked to specialists, managers, etcI am being told there is nothing they can do. The information they are willing to provide is limited. I cant tell if the account holder where the {$7100.00} accidentally went to is denying the return or what. Essentially the account holder is keeping funds that do not belong to them. I do not know where to turn at this point. Here 's to hoping you can help me in some way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
Chase is only in the business of making money and once you understand d that, you understand d that there's nothing or anyone who can actually expect any HONESTY from that bank. So I did a money transfer with my credit card and they never told me that the thirty day grace period would be eliminated. They NEVER told me. So I've been on the phone with these people on this issue for hours because they is the objective, to waste your time and put you through XXXX. So at the highest levels, XXXX XXXX talks with XXXX about making it the people 's bank, but in reality he has XXXX XXXX XXXX a year plus perks and you're shafted. That's the reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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, XXXX XXXX, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : 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. Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXX Account Number : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2022-12-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had a mortgage with XXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. During that time frame I never missed a payment with that company. That is over a 8 year history of on time payments. I refinanced that mortgage with a Different lender at the end of XX/XX/XXXX which was XXXX XXXX. During the refinance process I will was told by a representative of XXXX XXXX  named XXXX that I would be granted a 30 day grace period to allow time for the loan to close and that payment would be added to the back end of my loan. Unfortunately that did not happen because of an error on XXXX XXXX  behalf and my account ended up being reported 30. Days late right before my new loan with XXXX XXXX closed. This has negatively impacted my credit history and has prevented me from obtaining the best interest rate to purchase a new single family home. I was a loyal customer to that company and I need them to do the right thing and remove this late payment from My account based on my previous payment history and the incorrect information that I was given by customer service rep name XXXX in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX I purchase a XXXX. The car is paid up. Hyundai wants to continue to charge me daily interest on a car that is paid in full. I was told several times by customer service that Hyundai is charging me for daily interest. I was ahead on my payments and according to them my next payment was to be XX/XX/XXXX. I made more than the XXXX payments and in XXXX I complained to the XXXX XXXX XXXX On XX/XX/XXXX I paid the payoff amount XXXX in spite of the fact that the car was paid off. Fast forward Hyundai sent information to XXXX and XXXX that I was 2 years and four months late on payments. If that were the case my car would have been repossessed. Neither agency had a repossession in their data. I have been going back and forth with Hyundai since XXXX. In XXXX the said that I owed XXXX more payments, which was wrong. At any rate I made One payment in XXXX. Two payments in XXXX, XXXX payment in XXXX and two more payments including the payoff amount of XXXX. I have made XXXX payments since then as they continued to send me a bill. Now they are billing me for {$80.00}? I made the payments because I did not want credit reporting problems. I think that XXXX is retaliating because I reported them to XXXX My credit score was XXXX XXXX and XXXX dropped my credit score by XXXX points due to inaccurate information. I want to complain about the reporting agencies as well. They did not see any missing payments prior to this month and they still dropped my credit. The problem is going to be that although they dropped my score XXXX points, when this is figured out they will only raise is a few points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 initiated an online transfer from XXXX XXXX to Key Bank ( XXXX XXXX XXXX in XXXX, OH ), {$40.00} Funds cleared ACH clearinghouse and were deposited without issue XX/XX/2023 funds were taken/stolen by bank ( debit of {$40.00} appears ). No records at the sending bank of both the transfer of funds ( not typical ) Key Bank claims three happened which can not all happen. First is that the money was attempted to be sent back to XXXX XXXX but was rejected with an error code stating the XXXX XXXX account was closed. This is false information as that account is still active. Second, that someone set up a re-occurring expense against the account. This is false, no re-occurring expenses have been established against the account. Third, that they had taken the funds directly ( illegal ) without explanation. 

The monies were deposited to them for online transactions. One transaction against the funds occurred without issue and then they stole the entirety of the funds. The transferring institution has no records of the {$40.00} being sent to Key Bank or returned to them. To which their CSRs stated is unusual or potentially fraudulent activity by someone involved in the transfer of funds ( receiving or sending institutions ). 

Complainant is seeking his funds returned and damages against the parties responsible for this theft. ] Key Bank is attempting to close and/or freeze the account after reporting the fraud versus simply returning the funds. An attempt to destroy records of the theft. 

In over 20 years of banking with both national and regional banks, this behavior has not been observed at any other institutionl.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Patenaude & Felix A Professional Corporation
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
We are suing Patenaude & Felix, APC and their employee XXXX XXXX. We believe that you should know that the debt collector filed a lawsuit in a jurisdiction we do not live, took legal action contrary to contract- took the case to district court and the contract does not allow such action - only arbitration or small claim, s court is permitted under the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX Address ID # XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: HW Holding, Inc
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a debt collection letter dated XX/XX/2019 from Hunter Warfield. 
The debt was identified as {$2000.00} from the original creditor of XXXX XXXX XXXX. Because I've never heard of the original creditor ( XXXX XXXX XXXX ) I sent a certified letter ( dated XX/XX/2019 ) to Hunter Warfield to dispute the debt and ask for an accounting of how this amount was determined.

Hunter Warfield replied via a letter ( dated XX/XX/2019 ) stating that they were not required by law to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023, I sent out two letters to Portfolio Recovery Associates LLC in regards to two collection notices that I have received from them about debts they want me to pay them for, claiming I owe. The letters I sent out was asking for validity that the debt is mine. I asked for the original contract with who I signed with, original creditor information, payment history of the account, proof of ownership of this debt, and proof that their company has a license to collect debts in the state of California. They sent me credit card statements from XXXX XXXX XXXX  and XXXX XXXX. No other information in regards to the letter I sent asking for validity of these debts being mine or if they are licensed to collect debts in my state. I don't know if this is a real company or not. I might be getting scammed by whoever this is claiming to a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: McKenzie Paul & Associates
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX McKenzie Paul & Associates contacted my wife and myself to collect a medical bill of {$7000.00} outstanding from a care provider incurred on XX/XX/XXXX due to improperly filing with my insurance company. 

I informed them that I had used the medical provider XXXX times over 3 or 4 years with the same medical insurance which covered everything after the copay. They said that since it was past the provider eligible timeline to file that I needed to pay and then file with the insurance company or it would affect my credit. 

After informing them that I had frozen my credit after identity theft, they told me I was un-American if I didn't pay the medical provider that helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
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:
Hello, As you can see on the attached documents you have wrong and inconsistent information on my credit report. Two separate report from the same company with two different information. As you can see in the attachments this XXXX # XXXX is showing in one report but not the other. This account was closed in XXXXXXXX XXXX XXXX first date of delinquency was XX/XX/ XXXX You have this account as closed and XXXX off starting XXXXXXXX XXXX XXXX. This account should have fallen off of my report just like in the other two bureaus. Please update and fix all information. This account doesn't show up on the Equafax credit report but it is showing up on my FICO credit report.

Company response to consumer: Closed with explanation