BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Paypal Holdings, Inc
State: TX
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:
I was contacted by what a I thought was Paypal about a charge by a hacker of a payment of {$1200.00} that was made on my Paypal account. I did not have a Paypal account, but Paypal told me that the hacker had creacted one in my name. I was sent to a page to claim a refund and this page contained the bank information to for the refund. This is where Paypal ( the real hacker ) to withdraw {$27000.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Good Afternoon to whom this may concern I still have questions regarding my account. I was unaware of the status of my account until it showed up on my credit report as of the end of XXXX. I have spoken with several representatives and sent emails regarding these issues. I was told that XXXX does not report good standing to the credit agency and that my status would be that way for the next 10 years. That is why I disputed with the agencies. I guess I was misses informed by my lawyer because I was told that this account was included in my bankruptcy and that they could be discharged because federal loans can be included in a person 's bankruptcy if the Judge agrees. I also was informed that XXXX is not a federal agency so that's why my loans became due, but then I'm told that these are federal loans. If these are federal backed loans or federal loans, repayment did not go into effect for federal loans until XXXX so why was I hit with late payments? It also comes at a time when I'm trying to secure housing for myself and children, and everyone knows they use your credit score. ; due to these repeated past due charges I can not find housing. This is very devastating to myself and my family. I'm XXXX yrs old and to have to go live with a parent in a XXXX apartment with XXXX kids is totally embarrassing. In the past I have never been late with any of my student loans, and I feel this is very unjust. XXXX has not reported anything to the credit agency regarding these student loans for years, then all of a sudden late and dropped my credit score XXXX points crushing my dreams and belief in the federal systems. Last question : How is it that if this is not a federal loan XXXX can use the federal IDR for these loans. This all is not fair, and it is ruining my life. I've been told that XXXX could remove the late payment status with a Goodwill letter. Is this possible in my case I have completed all forms needed for IDR and also looking to consolidate these loans, so this confusion doesn't happen again. XXXX does not tell the truth 1 rep says these are not federal loans the next rep says these are federal so why doesn't the federal law apply.

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 2022-03-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX I deposited a no hassle check from Chase to XXXX XXXX XXXXXXXX for XXXX at the atm machine in XXXX XXXX XXXX, Fl. On the XXXX I saw it was returned. It said insufficient funds which was incorrect. I called XXXX XXXX XXXXXXXX and they said the funds should go back to chase in about a week. I called Chase and they think there were two checks for the same amount. After going back and forth many times. A supervisor from Chase finally said they she could see that bothe the checks are the same with the same check number. I am still charged by Chase for the money but I dont have the funds and as many times as I have called no one can seem to fix this problem. I dont want to ruin my credit but I dont want to pay for XXXX that I never got.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: PA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; PA XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I logged on to Transunion to get a free credit report, like I did with XXXX, but Transunion charged me {$26.00} for a credit monitoring service I did not apply or register for. When I called Transunion to ask why I received an email saying I joined, they were not sympathetic to my problem and said that I must have signed up without knowing. He also said that many people make the same mistake. When I told him I never entered this agreement, he was hostile about my request to cancel it. The Transunion rep stopped the auto payment but didn't cancel the initial {$26.00} I never asked for in the first place.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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/XXXX I submitted An investigation With Transunion XXXX And XXXX for the Account XXXX Credit Card with account XXXX # XXXX ( XXXX XXXX XXXX of XXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. 
Please kindly assist with this matter.

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 2019-10-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 0 % interest balance transfers and I made a purchase so I was being charged interest on that purchase. I paid my minimum payment plus more than the purchase but Wells Fargo applied the entire payment to my 0 % balances. The manager read me the formula that Wells Fargo uses. The manager said the reason the purchase balance wasn't paid off was because it was in the same billing cycle. My understanding of the Card Act is that there isn't an exception for that. Is there?

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 2021-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax is still reporting negative information on my credit report that is affecting my credit adversely. For example, they are still reporting XXXX XXXX XXXX as a negative account. The account is over 7 years old and a violation of my consumer rights. It should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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:
I been sending out letters about incorrect information on my credit report. I haven't received a response back yet from them. All my documents are attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: FL
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:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Bonneville Billing and Collections
State: UT
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:
Bonneville Collections is reporting a debt on my credit file that I do not owe. I have been disputing this account with them and have asked for validation multiple times and never received any response. In my validation notice I asked they please respond in 30 days from their postmarked day otherwise to remove it from my credit file. It has been well over a month and I have been very patient. No one has been able to validate this debt to me and that's because I paid for the services for the dentist office. I had insurance to cover this with a program they worked with. I wasn't told that there was an issue with it but now I'm thinking that they misapplied the payment resulting in them sending me to collections. I did my part and payed for the services through an insurance program.

I have also attached the letter I sent to Bonneville stating that they must remove this if they did not get back to me. Reporting invalidated debt can constitute fraud under both federal and state laws and at this point they have not validated anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To Whom it may Concern : Centental Service Group # XXXX This is a legal NOTICE AND COMPLAINT REQUESTING documentS and request for proof of claim, Under 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX XXXX XXXX that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been repeatedly misled by different representatives. Im harassed daily by this Consumer Portfolio Services. Ive tried to work with them in a difficult financial stress that has been the result of the pandemic. Im threatened daily with phone calls- phone number comes up as a yellow triangle with exclamation mark in it. Im very embarrassed and insulted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account mr. Cooper failed to pay my homeowners insurance. Their was a fire on my property and they agreed the mistake was on their end. They also said they will correct situation. As of XX/XX/2022. I have been strung along, hung up on and given the run around. They put blame on the insurance company they purchased for their fault in laps ( XXXX ) The insurance company places fault on mr. Cooper. Now no one answers my calls and the phone number for mr cooper is now on a loop where only way I can contact someone is on automated service and no live person. Plus I received XXXX statement for an extra XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I mailed a letter about Child Support Reporting on my Consumer Report on XX/XX/2021 and I have not received a response to my letter. Today is XX/XX/2021 and that's over 45 days. My action was to send the letter to inform them of their violations of my privacy on my Consumer Report with the Child Support.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX 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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Do not recognize charges on all of the following accounts Arkansas XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  All of the companies listed above failed to assist me with these accounts after many attempts to bring attention to this matter as a result all negative information is inaccurate and unrecognizable, I have no knowledge of those charges.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was trying to purchase a house and realized that I had major issues with my credit file. According to the 15 u, s, c 1681A law states that late payments are illegal. My late pay came during the pandemic which I thought that the government had expressed to the bill collectors to be more lenient. Also 15 USC Section 604 states rights to consumers ' privacy. Reporting agencies can not furnish an account without my written consent. The resolution to this is to delete the listed accounts. 
XXXX XXXX XXXXXXXX With TransUnion, XXXX, and XXXX XXXX XXXX XXXX Transunion, XXXX, and XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX Transunion, XXXX, and XXXX XXXX XXXX Transunion XXXX and XXXX XXXX XXXX Transunion XXXX and XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX and XXXX XXXX XXXXXXXX Transunion, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent credit dispute letters to XXXX, XXXX and Experian asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. 
On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XX/XX/XXXX I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. 
I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in 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 2019-07-10
Company: InstaMortgage Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good Day My husband and I are veterans and applied for a VA IRRRL with Arcus lending because we received a letter in the mail stating that we qualified for the refinance. Since starting the process communication with the loan officer has been very scarce. We keep getting the run around, and are being told various different information that isn't true. They told us we could save 2 months of mortgage payments and get our escrow money back, they said our loan had been approved but then we received a email stating it was still in the approval process. We started the process in XX/XX/XXXX and they said we would be able to close in XX/XX/XXXX, it is now XX/XX/XXXX and we still don't have a closing date or any updated information about the status of our loan. I've tried to get in contact with the company and no one is available. Every number goes to a recording that says to leave a detailed message. I've called and texted the loan officer and I have not heard back from him. This company has all of our information ran a credit check and everything and now I feel as though I need to ensure our identities haven't been stolen. The manor in which this company conducts their business is unprofessional, and as veterans I feel as though we have been taken advantage of. The loan officer says he is part of a veterans mortgage company but in no way shape or form have they helped us. They just promised a lot of stuff and haven't followed through and now I am concerned about my person information that was sent to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation