BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
The accounts in question are listed below : Account Name 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 XXXXXXXX Under the Credit Reporting Act, 15 U.S.C 1681g I have a right to demand that you disclose me all of the documents that you have recorded in your file at this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate items on my credit report and distributing them to 3rd parties you are damaging my my credit.

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 2023-02-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Complaint below is against Paypal for allowing sellers with ill repute. Please file against Paypal. 

On XX/XX/22 I paid {$52.00} for hair product from a seller in originating in XXXX and paid via Paypal. However received product was different than advertised and incompatible for use with me specifically. See images comparing received product versus advertised product. 

Then I contacted Paypal for refund. They offered partial payment, I refused. Seller refused all communications or responses via email. No option to return product and refund was offered. Paypal unilaterally closed the case. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-09
Company: American Credit Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Contacted American Credit Acceptance XX/XX/XXXX for a deferment due to having XXXX XXXXXXXX, they denied that request at a time when it was mandated by Federal law for them to do so. On XX/XX/XXXX they repossessed my vehicle. I borrowed money to get it back. On or around XX/XX/XXXX my family once again went into severe financial hardship I contacted American Credit Acceptance to get a deferment, again they denied. They are unwilling to help with hardships that were caused by the pandemic. I need a deferral. This company would rather repossess than do what is right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XX/XX/XXXX my identity was stolen in XXXX Nevada they moved to XXXX opened a phone in my name never paid on the bill my identity has been traveling all over recently in XX/XX/XXXX I notice a loan being taken out of n my name I do n't have loans I do n't need a loan and to top it off I have been having problems with XXXX paying my doctor bills because of their system always saying inactive when it 's active. I show several bills on my credit and I need them off because the insurance should have taken care of it I called I complained I sent the copies to the welfare office on XXXX in XXXX Nevada. They should have all my documents I should have a clear report by now I filed bankruptcy in XX/XX/XXXX because XXXX did not pay none of my doctor bills while I was XXXX and not the hospital bill rounding out to being XXXX I had to have my father pay XXXX to get me out of debt to a lawyer. And wait 10 years for t to come off I do not want to have to do that again. So please tell me what I need to do to get these bills out I am not working at this time I can not pay thousands of dollars especially when I have had insurance for and they are n't paying for it.

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 2018-01-23
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am selling my coop at XXXX XXXX XXXX XXXX, XXXX. The buyers have already been approved and all parties are ready to go to the closing table with the exception of my bank who holds the coop 's mortgage, Mr. Cooper ( formerly Nationstar ). In mid-XX/XX/XXXX my lawyer, XXXX XXXX, informed Mr. Cooper that the coop 's stock certificate would need to be presented at the closing. Mr. Cooper took absolutely no action for nine ( 9 ) weeks. After additional prodding from my lawyer, they handed the issue to their lawyers, XXXX XXXX XXXX XXXX XXXX XXXX. 

The law firm told my lawyer they would have the document available and ready for closing in 4 to 6 weeks. Six ( 6 ) weeks has now passed and they still have no document to produce at closing. Closing is ready to go but can not proceed without this document. The coop is costing me a significant amount of money each week it sits empty. The buyers are anxious to occupy the coop to set it up prior to the birth of their child. Everything is being held up because Mr. Cooper can not produce the stock certificate. 

It has now been a total fifteen ( 15 ) weeks that Mr. Cooper or their lawyers have failed to produce the required document. 

I have attached a letter my attorney sent to XXXX XXXX ... on X/XX/18 that summarizes the situation. I have also attached a copy of a recent mortgage statement showing the mortgage account number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I reported 3 charges with my Chase Bank from my account withdrawals concerning XXXX. 

XX/XX/2021 : {$300.00} XX/XX/2021 : {$300.00} XX/XX/2021 : {$600.00} We were purchasing a dog from a breeder, but we unfortunately do not have the dog and the company we were speaking with does not respond to us, nor can we contact them via phone. They will not answer calls, texts, no correspondence. I had disputed the charges with Chase Bank on XX/XX/2021. They gave me a sheet to fill out, but when I went into the bank on XX/XX/2021 to turn in documentation and the sheet, they just asked for the sheet. They have not once asked for any documentation from me. Just the initial sheet. This morning I woke up to a letter in my statement saying the charges are authorized and they are taking {$1200.00} out of my account. 

1. I do not have a product that money was taken for.

2. Chase bank did not request any documentation on my behalf to prove the product was not received. I have been banking with Chase for over 10 years and this is how they protect their clients.

3. Chase bank did an investigation with no documentation given back to me about any information. They have nothing to show me, just that they are not helping me with the transactions basically. 
I have called Chase bank at XXXX today XXXX, I am speaking with a XXXX who told me to file a dispute with XXXX. He then told me, they are no longer looking into the issue and that I need to contact the merchant. WE CAN'T CONTACT THE MERCHANT.. they DO NOT respond to us!!! We were scammed, while I understand this was not a smart move on my part to send money to someone via XXXX ; if I have the documentation, why is my bank NOT protecting me? 
I have asked to speak to a manager, I spoke to Barbie ( like the doll she told me ). Then I was told that Chase bank does not have a dispute process for this. They are not protecting my ACH payment. They are saying that I am not protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: DISCOVER BANK
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
Checking on my report, I see that the XXXX XXXX  is reporting on my XXXX XXXX , as open accounts and closed on my XXXX accounts or vice verses. This is a valuation on my rights and I want those accounts removed on all 3 credited reporting per 1681b and 1692 codes. Also, these companies are still contacting me via mail, another valuation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sir or Madam : I am a victim of identity theft. My XXXX XXXX XXXX account ending in XXXX was having unauthorized funds withdrawn from it via online access. Upon discovering that my account was compromised XXXX transferred my balance of XXXX into a new account which ends in XXXX and restored my funds. The old account was suspended but not terminated, this allows for the automatic bill pays to still be made from this account. Long story short my above account for XXXX XXXX XXXX XXXX was paid but later reverse due to the account being frozen, fallout from the identity theft ( paperwork included ). I was not aware of this payment reversal and the next month payment was taken to cover this reverse payment. This happened for a couple of months. I was making the payments thinking they was on time when I was paying the last months note. This finally resulted in a XXXX late payment. I was alerted by XXXX XXXX that I was 30 days late on my payment. I called XXXX XXXX XXXX XXXX and they explained that I had a reverse payment and they took the following payment to cover that payment. I quickly made a double payment to rectify this account. Keep in mind the amount of funds in my account. I opened this account in XXXX of 2021 and have had a perfect payment history up until this point. 
I am requesting that this late payment be removed due to the fallout from the online identity theft. The Identity Theft Report FTC Report Number XXXX and proof of my identity is enclosed with this request. I have also enclosed a copy of my old bank statement from XXXX where the account was suspended, and funds transferred to account ending XXXX. Bottom line if my automatic payments had not been uninterrupted by the criminal act of someone compromising my account the payments for this account would have continually been made in a timely fashion. 

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). 

Sincerely, 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 2018-10-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I have disputed the late payments XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2023-02-24
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute an inaccuracy on my credit report. I am filing a complaint with CREDIT SYSYEMS INC are hurting my credit because of there an inaccuracy on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX  XXXX, Co XXXX. 

I recently pulled my report and noticed an inaccuracy in the information being reported by XXXX. Specifically, I am disputing the following : -Incorrect account statuses : The account is reported open account and is also in statuses in collection. 
-15 U.S.C 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- -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 2018-01-19
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar Mortgage has changed it 's name to Mr. Cooper. Since the change of name no one from Mr. Cooper has reach out to me to talk to me about my HAMP Loan Modification I applied for in XXXX which is yet to be resolved. Instead I received a foreclosure sale notice from XXXX XXXX, XXXX. that my house is scheduled for foreclosure on XX/XX/XXXX. Beside I was not told nor receive any correspondence from Mr. Cooper about the reason for the foreclosure. I believe there is shenanigan going between Mr. Cooper and XXXX XXXX XXXX, XXXX trying to force me out of my house

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently received an Annual Escrow Analysis with a new payment date effective XXXX, XXXX. I am suspicious of the timing of this escrow analysis since it coincides with the filing of my CFPB complaint. My last Escrow Analysis was supposed to cover XX/XX/XXXX to XX/XX/XXXX. This new escrow payment begins in XXXX, XXXX and includes PMI payments which should end with my XXXX, XXXX payment. I have been making an additional principal payment of {$1500.00} since XXXX, XXXX. I have written to the company objecting to this new Escrow analysis and fear they will ignore my objection as they ignored my request for cancellation of the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid 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:
In XX/XX/2020, I signed up to try XXXX XXXX XXXX. I never received a copy of the contract, so I contacted the company to cancel. I was able to cancel with XXXX XXXX XXXX and asked that they put through a credit to the Citibank Credit Card I utilized. Instead of putting through a credit for the initial payment. XXXX XXXX XXXX keeps charging my Citibank ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020 ). I was able to dispute the XX/XX/XXXX charge with Citibank but unable to dispute the XX/XX/XXXX, and XX/XX/2020 charges. I have contacted both XXXX XXXX XXXX ( XXXX, XXXX and XX/XX/2020 ), and spoke with customer service about issuing credit for the XXXX. 
Next, when I have reached out to Citibank customer service, due to COVID 19, I waited on hold, and when I made contact -- the customer service representative hung up on me. Due to this, I wrote a letter in XX/XX/2020 asking that the XXXX XXXX XXXX credit be addressed. Which no movement has taken place. 
Also, back in the beginning of XX/XX/2020, I had a XXXX credit carry forward on my XX/XX/2020 statement. Someone at Citibank changed my credit card, account number previously ending in XXXX to XXXX without my consent, and when they changed the card. The balance disappeared also.

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 2018-10-26
Company: EQUIFAX, INC.
State: TN
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 a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Equifax Credit Bureau, and XXXX Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX, Equifax Credit Bureau, and XXXX Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, XXXX XXXX XXXX has damaged my name, and my credit XXXX XXXX XXXX has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX XXXX mistake. XXXX XXXX XXXX has resource to enable accurate information about the clients inquiring new services. XXXX XXXX XXXX allows an account to be placed under my name erroneously. XXXX XXXX XXXX should verify all information prior to approving any application 's for services.

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