BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 Subject : Request to Remove Student Loans from Consumer Reports Dear XXXX XXXX XXXX XXXX and XXXX , I am writing concerning the student loan account XXXX, associated with my name, XXXX XXXX, and my address as provided above. 

Recently, I received a XXXX form which indicates that a portion of my debt was canceled. The IRS has accepted this cancellation, and I have duly paid the necessary tax implications associated with this form. 

Given this, I kindly request that you update your records to reflect this accepted cancellation and subsequently remove the mentioned student loan from my consumer reports. As you might be aware, accurate reporting is essential to ensure that all individuals can benefit from the true reflection of their financial situations. Removing the loan from my report will help me in my future financial endeavors, and I believe it's a fair request considering the debt cancellation has been accepted by the IRS. 

I would appreciate your timely attention to this matter. Please provide written confirmation once the loan has been removed from my consumer reports. If you require any further documentation or details regarding this, please feel free to contact me at XXXX XXXX I have also attached a copy of the XXXXXXXX XXXX XXXX 

Thank you for your understanding and cooperation. 

Warm regards, 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 2023-01-17
Company: EQUIFAX, INC.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for the personal loan on XX/XX/2022 and received a message saying it was not approved. The loan company said I reapplied with my maiden name which is not true because the name they provided is my married last name. The loan was deposited into my bank account on XX/XX/2022 and I didnt even know where the money was from so I looked where it could be coming and saw it was from the Lending Club XXXX The representative told me that as long as I provide them with my bank account I didnt have to accept the loan so they approve the funds to be deposited into my account. I called on XX/XX/2022 and told to cancel the loan and was told it was going to be done within 3-7 days and on XX/XX/2022 I noticed that the money was still in my account. They just had me waiting for them to be able to charge interest and other fees. I have called them to try and resolve with them but one of the representatives hang up on when she was transferring the call and others keep saying to have the money in the account. The loan # XXXX for the amount of {$17000.00}. 
I would like for the business to refund me the {$1100.00} fees and interest and fees since they failed to provide the approval notice and I was not advise that the money was being deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation

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 2022-02-11
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I WAS XXXX! CONTINUE TO BE XXXX! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act XXXX XXXX XXXX ILLEGAL TO COMMUNICATE, XXXX XXXX XXXX XXXX PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! XXXX XXXX XXXX XXXX VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the XXXX I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with TRUE ACCORD, you do not have granted that permission. As per XXXX, you violated me, your corporation is criminally liable pursuant XXXX XXXX XXXX because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per XXXX XXXX XXXX XXXX for XXXX parties to come together and conspire against MY rights as consumer. READ XXXX XXXX XXXX & XXXX ( XXXX ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company Contacted me by letter on XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XXXX and told them that this was not mine. This company also called me today on XXXX/XXXX/XXXX. And also they have called me several times before way after the hours of XXXX at night. This is so wrong on so many levels. They demand every single time {$3200.00} and use some very disturbing language with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX opened XX/XX/2020 account number XXXX XXXX this account was opened without my knowledge. I've tried reaching out to company and pleading my case they told me to make a police report which i did and also make a identity theft report with the FTC which I did. Recently I submitted a complaint with CFPB and the account came back as verified with XXXX and Equifax but XXXX came as not verified and was removed from report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Hi, My complain about : paypal banned my account since last year XXXX 2022, My money was stock. I comply with their rules and regulations and still blocked my account. Thanks for helping My paypal acct : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/19, we received a letter that our taxes were going up from {$5500.00} total to over $ 9,000/year. On the escrow statement, it appears they added the {$5500.00} from XXXX 2019 statement which included school and property taxes to the school taxes they just paid in XXXX, which were {$3800.00}. We bought the house in XXXX. I called the XXXX XXXX XXXX XXXX on XXXX/XXXX/19 and confirmed that my taxes are only supposed to be {$1300.00} for property and {$3800.00} for school. I then called Citizens One on that same day telling them of this, and also offering the contact information for the woman at the assessors office and they said theyd have an answer for me as to what happened by XXXX/XXXX/19. I followed up with Citizens One on XXXX/XXXXXXXX19 and they still did not have an answer. I explained that they are adding school twice to my bill and they said they cant confirm until they new property bills come out. I also then asked why I my escrow has a balance of over {$7000.00} when they just paid school of {$3800.00} and they said they use it as a cushion. My taxes should only be about {$5500.00} a year so to have a {$7000.00} balance after the {$3800.00} paid for school is absolutely absurd. And then to tell us we have to pay {$500.00} more per month on top of that because theyre reading the tax statements wrong is beyond me. I followed up again today, XXXX/XXXX/19, the day they said they would have an answer by, and there is still no answer. I need the escrow account taken care or immediately as my payment is due XXXXXXXX19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: BSI Financial Holdings, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I used my mortgage company 's biweekly payment system which makes 26 payments a year instead of 12. 

I recently discovered that they don't apply the payments being made to the principal. Instead, they are holding the money in their account until the end of the month and then apply all the money received during that month. 

I called and told them I didn't think this was right and even offered to make an extra payment so the payments would be credited toward the principal at the time the funds were received and they said that world n't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MyFedLoan has been withdrawing automatic payments of {$410.00} in accordance with their direct debit procedures since XX/XX/2019 and they continue even when an account is paid ahead. Their website specifically states if you wish to have an additional amount paid on a specific loan, you must pay online, mail, fax, or email your request. I am in paid ahead status and based on my XXXX XXXX debt elimination strategy I have been logging in online to pay {$100.00} extra towards three specific loans. 

On XX/XX/2019 MyFedLoan applied my direct debit payment differently than specified on their agreement with me. I was logging in to make my additional payment and I noticed the discrepancy, so I called. MyFedLoan 's solution is to take my account out of paid ahead status. I am concerned that the incorrect application will continue as per their website, paid ahead should not be an issue. 

I feel that this is a way for MyFedLoan to get more interest from me and they are using deceptive lending practices. The payment of {$130.00} is to go towards my largest student loan with the highest interest rate, but instead it went towards a smaller loan. 

I want this published as any direct debit user who wants to eliminate debt quickly may find that their payments are not being applied in accordance with their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Nelnet, 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: Account information incorrect

Complaint:
Ive have contacted the Loan Service provider to report accurately report account status to all major credit bureaus. The company denied my request and stated they have the right to not report at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: PNC Bank N.A.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I set up automatic monthly payments for a little more than my regular payment when we first got our vehicle, intending for the extra to be applied to principal. This is an option on the auto enrollment form. My regular payment is {$700.00} and I pay {$750.00} per month. This month I received a letter from PNC saying that I was paid ahead and wouldn't be receiving a statement for XXXX. I called the phone number provided and they said they would take last month 's payment of {$750.00} and apply it to principal which would roll my next payment due date back to XXXX and my auto withdrawal would resume. I agreed to this, but when I inquired about how the extra I pay every month could be applied to principal moving forward and not to the next payment due, I was told that was not possible to set up. I intended to be reducing my principal every month and thought when I enrolled in auto payments this is what would happen. When I complained the phone went dead .... there was literally no response. I feel mislead and that I am being penalized for wanting to prepay my loan a little at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Upon looking over my credit reports XXXX, Transunion and XXXX, I see a collection account from XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and a reference number of XXXX, and showing with an alleged amount owed of {$680.00} USD. 
XXXX Acct # XXXX Report file # XXXX XXXX  Acct # XXXX Report file # XXXX Transunion Acct # XXXX Report file # XXXX According to the FCRA this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I demand that this debt collection account be deleted immediately or I will exercise my right to sue for {$1000.00} for each violation. 

I have attached the copies of my credit reports to support my claims.

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 2022-05-23
Company: Google Compare Credit Cards Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been prevented from making purchases through Google XXXX, through cards and the money held in the wallet. I have contacted Google 6 times to remedy the issue between XX/XX/22 - XX/XX/22. The wallet will work for a short period and then decline any attempt. 

They eventually asked for verification for identity and fraud which I provided. They sent email communication on XX/XX/22 that my account was now active again. It allowed a few low value purchases but blocked the remaining. I still have money being held in the wallet which can not be used for anything else. 

This needs to be fixed/resolved immediately. This dilutes my current investment in the apps where money is spent greatly each time I am unable to make a purchase due to overreach and negligence after providing all documentation requested to " prevent fraud ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a repayment plan from Select port Folio stating when the first payment is due. The payment amount I was given exceeds the payments that is within the guide lines of the mortgage modification payment. I feel I'm being discriminated against and being treated unfairly. I m aware of the guideline and the Consumer Protection oversight for mortgage modifications. I want to pay my mortgage and become current on my mortgage. 
Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
MY FCRA RIGHTS HAVE BEEN VIOLATED. These creditors below and the credit reporting agencies are in violations of not accurately reporting a dispute status or an actual update of dispute to my reports for the 2 times I disputed on XX/XX/2022 and XX/XX/XXXX XXXX the proof of disputed certified receipts are also attached. 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, According to XXXX XXXX XXXX XXXX, Equifax & XXXX XXXX XXXX XXXX free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph file ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$7400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$440.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX XXXX  XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/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