BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2023 I was able to contact TransUnion by phone ive noticed unauthorized Inquiries on my report OR someone applied for something in my name.AND Fair Credit Reporting Act ( FRCA ) requieres a unverified and unauthorized tems must be remover from my credit report.They told me that i needed to make a complaint with the CFPB and a letter from me and send it to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, 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 information incorrect

Complaint:
ve sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reponse. Also, Ive made contact with Equifax multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I live in XXXX and as I will not be travelling to the XXXX any more ( due to health reasons ), I wanted to close my checking account with Truist bank in XX/XX/2023. As the online banking had a technical problem, transferring the closing balance amount of XXXX myselfwas impossible, staff of the customer service chat were trying to help but couldn't due to Truists banking system being unable to use a XXXX mobile number to send a token for a transfer. In the end I agreed to the issuing of a check, although I knew that cashing a USD check would be very, very difficult. 
The account was closed, then the check arrived a few weeks later and as predicted, I couldn't find a bank that accepted the check. 

A friend of mine offered to take the check on her trip to the XXXX and cash it at a Truist branch. She carried a very detailed Power of Attorney but none of the banks she tried, were willing to cash the check, not even Truist. 

It took me months to finally find a bank here in XXXX that was willing and able to cash the check - I had to open an account with them etc. 

I mailed in the check only to have it returned, saying it had expired I have been in contact with aTruist representative - a so called Client Resolution Specialist - all the time. They insist on the check and claim to be unable to wire transfer the closing amonut balance to my other XXXX account. 

In order to have the check re-issued, I had to send in a Declaration of Loss form. As Truist do not accept foreign notaries, they expect me to get a US Embassy seal or official Apostille to prove that the check has been destroyed. 

I am XXXX XXXX XXXX with health problems and am expected to travel XXXX by public transport to get to the closest Embasy - Truist show no mercy and insist on this. They have been chasing me around for almost one year now and are unwilling to pay out my own money to my own account by wire or ACH transfer. I can not understand how a bank should not be able to initiate a money transfer - I am at the end of my wisdom, I have begged and pleaded with them but to no avail.

I had offered to send a video of myself showing how I run the check through a document shredder but today received a message that they insist on the Apostille or Embassy seal.

They can't just keep my money, that is theft and embezzlement! Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2023-08-21
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made two transactions one on XX/XX/XXXX for XXXX and one on XX/XX/XXXX for XXXX which should have been processed as a purchase but was processed as cash advance and I was charged XXXX and XXXX cash advance fees and interest as of todayXXXX at XXXX. If the merchant put it through as a cash advance it should have been declined since my limit on cash advance is much lower.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX   XXXX  , a sub-mortgage-servicer to CitiMortgage, will not honor payment of {$10000.00} for my HAFA request ( see attachment  XXXX  denying my HAFA request. ) My submittal of my all the HAFA required paperwork was originally received by the previous CitiMortgage sub-servicer,   XXXX   XXXX  , on   XXXX   XXXX   XXXX  ,  ( se e attachment  XXXX  from  XXXX  acknowledging the receipt of my HAFA submittal. ) I have a sale in the process for closing at the end of   XXXX   XXXX  .  XXXX  insists that my HAFA documents are not valid and I am not qualified for the program. The HAFA program itself ends   XXXX   XXXX   XXXX  . The last date to submit the completed HAFA paperwork and other documents, was   XXXX   XXXX   XXXX  .     It seems t he paperwork exch ange between the two mortgage serving companies did not complete properly either because   XXXX   did not properly transfer all of my records to  XXXX  ... or  XXXX  has not successfully loaded them on their system.     I have already contacted Making Home Affordable who services  HAFA fo r   XXXX   XXXX   and last spoke with them on   XXXX   XXXX  . The person I spoke to was unsure of why  XXXX  will not honor my HAFA request and could only speculate. They told they will continue to research and investigate.     I have looked over the  250-page onli ne docume nt on the HAMP and H AFA program  rules MHA told  me about. I did not see anything that referred to how my HAFA was terminated.       XXXX   XXXX   nor   XXXX  have been  able to show me the documented rule that excludes me for qualifying for my HAFA payment.     There seems to be much confusion between  XXXX  nad  XXXX  as to what the actual rules are ... and the rules they " think '' are correct.     Any help will be much appreciated ... Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This is my third complaint against usbank credt card, after trying to reach a payment agreement unsuccessfully several times. This financial institution tries to manipulate the minimum payment with increments of the APR without control, changing the terms in its way so as to affect the consumers that like I have been paying for my account for a long time and suffering overdrafts due to the indiscriminate increase of the minimum payment Without prior notice by mail, from my second complaint on  XXXX   XXXX ,   XXXX   this institution sent me the change of terms by mail to cover up their mistakes so far. For me it has been a great nightmare to have fallen into the deception on the part of this " misleading offer of credit '', for which the consumer can not pay and then his credit is damaged.   I ask once more to take this into consideration since it is difficult for me to reach an agreement with this the poorest financial institution I have ever known in my life, and I do not want others to happen to it. My  XXXX  accounts are closed therefore I do not have to pay any membership, besides that must be subject to the lowest APR that I had, in order to have a formal agreement and not abusive payment.And I want to remember that I asked that my accounts be closed years ago to take me to the lowest interests and without any type of membership or additional collection Sincerely  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 2020-09-14
Company: EQUIFAX, INC.
State: NV
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:
After reviewing my credit report, I learned that there are some accounts that are not mine, nor are some of the addresses I have lived out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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 am writing to dispute the late payment that is appearing on my credit reports for the month of XX/XX/2018 associated with my XXXX XXXX XXXX account # XXXX. I firmly believe that this late payment is inaccurate and unjustified. 

My concern lies in the fact that I did not receive the billing statements for the aforementioned month, which led to the alleged late payment. I have always been diligent in making timely payments, and any late payment reported is a result of not being provided with the necessary billing information. 

Also XX/XX/2018 late payment is in violation of15 USC 1666b clearly states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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:
I am writing to address the recent notification I received from your office regarding the verification of certain items on my credit report associated with the account number XXXX. Specifically, this pertains to items reported by Credit Acceptance Corp. I kindly request that you provide me with detailed information about the verification process for these items in accordance with the Fair Credit Reporting Act ( FCRA ) .response within 15 days or delete the trade-lines

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 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
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:
In 2020 I deferred payments on my XXXX  XXXX XXXX mortgage per the federal CARES Act. At the end of the deferment, the loan was modified to place the missed payments at the end of my mortgage as a ballon payment. All terms of the modification were completed over 2 years ago. Experian is reporting that my XXXX XXXXXXXX XXXX mortgage is currently in a loan modification program. I disputed this with both Experian and XXXX XXXX XXXXXXXX XXXX XXXX XXXX is refusing to correct the report and is telling me they will continue to report the account this way until it is paid off in approximately 12 years. Experian is refusing to correct the report from showing as currently being modified to showing the account as previously modified. This is the only negative remark showing in my credit report, and despite having an XXXX XXXX I am being denied credit by XXXX XXXX due to this intentional misrepresentation of facts.

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 2023-04-04
Company: EQUIFAX, 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
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:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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: Nelnet, Inc.
State: NY
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:
I cancelled my auto debit along with putting my account into forbearance on XX/XX/2023. I received confirmation that night that my auto debit was cancelled, and no pending payments for the auto-debit were active.

On XX/XX/23 I received notification from my bank that the auto-debit was taken out of my account, causing me to go negative on hand. 

I call nelnet and they show no pending payments for the auto-debit. Then they back tracked and said you needed to cancel it 3 business days prior. I checked all the documentation provided while cancelling including the cancellation email, and none of the paperwork mentioned any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NY
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 have a loan with XXXX XXXX  XXXX XXXX, this loan was set on AUTO pay, when i realized there was a late pay reported on my credit I called them and they told me they attempted payment and it didnt go thru, no one called me no phone call, no emails, no mail letting me know my auto pay was removed. I spoke with a representative and she was able to withdrawl late payments from their records.

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 2023-02-23
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a continuation of my prior complaint, which was closed without appropriate resolution. 

Reference is made to such prior complaint. 

Moreover, my complaint is that my payment was 30 days late because my payment history in the Mr Cooper mobile application showed a payment being made, when in fact it was not. Had the Mr Cooper mobile application showed my payment was still outstanding, I would have made the payment as needed. Because the Mr Cooper mobile application did not accurately reflect my payment history, the 30 day late notice should be removed from my credit history. 

Likewise, I understand Mr Coopers previous complaint response, but such response does not account for the confusing and inaccurate display of my payment history in the Mr Cooper mobile application. Because my payment history in the Mr Cooper mobile application was confusing and inaccurate, the 30 day late notice should be removed from credit agency reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today is XX/XX/2023 and about two weeks ago I contacted Chase bank ( I bank with them ). The branch is located at XXXX XXXX XXXX, XXXX, IL XXXX. I used to have a safe deposit box and I received a letter earlier in the year stating they will start charging me an annual fee of {$50.00}. I decided to return the keys for the box and cancel the service. I don't recall the date but it was shortly after I received the letter ( maybe XXXX or XXXX timeframe ). 

As I was reconciling my checking account about two weeks ago, I noticed the {$50.00} safe deposit box fee was taken out of my checking account on XX/XX/2023. I called Chase and spoke to the branch manager ( XXXX ). I explained to him that I returned the keys to the safe deposit box and closed it. I didn't receive any paperwork for this unfortunately and it didn't occur to me to ask. XXXX told me he needed to research and that he'll get back to me. I never heard back after about two weeks so I went to the branch to talk to him. I told him to review the cameras and he will see that I personally handed him the keys to which he told me that it wasn't him that I gave the keys to. He also told me that they don't have cameras ( sure ok ). 

Anyway, I gave back the keys to the box and closed this out several months ago. I want the {$50.00} credited back to my checking account. I'm sure this is happening to other customers!

Company response to consumer: Closed with explanation