BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have disputed a public record filing of bankruptcy because the furnisher of such reporting has not been verified by Transunion. I have disputed in writing on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. I then disputed in XXXX, XXXX, XXXX, XXXX of XXXX. After all of these disputes, Transunion has yet to provide accurate information furnisher verification. This is important information to provide so that I can investigate and correct my report. In XX/XX/XXXX, I called in to initiate a phone dispute and Transunion informed me they were unable to access my report because they did not have my correct personal information and needed to send my file for maintenance. Finding out that Transunion has not been documenting my information correctly and then refusing to take my dispute is against all FCRA laws governing credit reporting agencies ensuring they are provided accurate and verifiable information for a consumer. When I called back later in XX/XX/XXXX to discuss the errors in my file and to once again request the furnisher of the bankruptcy reporting the manager XXXX informed me that they are not allowed to provide this information so that I can not investigate the origin of such information to get it corrected. Transunion has violated all rights I have to investigate, obtain verifiable information in order to correct my report, in addition, they have not been keeping accurate records of my personal information. I have attached a copy of the same dispute letters I have sent 10 times via USPS mail to Transunion. Transunion also does not show my record of disputing with them, which in turn makes me think they never investigated my dispute.

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 2021-04-25
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Saturday XX/XX/XXXX I received a text message from my bank that my checking account account was negative over XXXX XXXX dollars due to multiple mortgage payments debited by XXXX XXXX. My loan is current and I have never been late and I am set up with auto payment. I tried calling all day but their phone lines were not taking calls and it wasnt until XXXX in the afternoon did I see a social media post about the error and later that afternoon my account was credited back. The amount of stress this caused for the day was unacceptable, and I understand mistakes happen but to not notify anyone all day is unacceptable. I didnt get an email from XXXX XXXX until XXXX at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: NC
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:
My XXXX XXXX bankruptcy was discharged on XX/XX/XXXX. XXXX and XXXX updated my credit file to reflect the discharge. Equifax did not so I disputed with Equifax on XXXX. Equifax reported that they verified the information as correct with a third party, XXXX. I contacted XXXX on XX/XX/XXXX and XXXX stated that they show the XXXX  XXXX disposition as discharged and their file was updated on XXXX. Since the information was incorrect still on my Equifax credit report, I disputed again with Equifax. This dispute was XX/XX/XXXX. With both of my disputes I provided the court document showing the discharge. 

On XX/XX/XXXX, I received the dispute results and again Equifax claimed they contacted XXXX to verify the data and that the information was being reported correctly. I contacted XXXX again on XX/XX/XXXX and again they stated that they show the discharge. XXXX stated to call Equifax again. 

This is unacceptable. I provided information to Equifax twice showing the discharge and the third party verifies the discharge in their records. Equifax is not meeting their requirements under the FCRA to report a consumer 's information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX  has applied my monthly payment to principal only meaning I had to pay twice for one month. They have locked me out of my account online. I have no way to access my account of see if my payments are being applied correctly. I have spoken to ten people, been on hold for a minimum 15 hours, emailed someone at corporate. After a month I am able to access my account but then I can't see my account again. Can't pay online, don't have paper statements, etc. I call in and explain my situation then put on hold and transferred to a XXXX hole and wait an hour on hold then someone picks up and asks me why I am calling only to start the process over again. So incredibly frustrating. I literally have no access to my mortgage or able to pay or know how my payments are being applied without constantly calling in and verifying information, making double payments, etc. They tell me someone will contact me and won't give me a name, email or number for a contact. They call one time and it comes in as spam on my phone and goes directly to voicemail and their message is just to call the XXXX number so I start the process over again. Super frustrating. How are they allowed to operate a financial company?

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 37 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 37 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
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: Information belongs to someone else

Complaint:
i received a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/20 I submitted a payment via Venmo of {$60.00} to an active account for my niece. Shortly thereafter she informed me that her account had recently been hacked and the hacker immediately changed her contact data, and withdrew all of her funds. 

Venmo was unable to assist her because they claimed she could not confirm her identity since the hacker changed the email address and contact data on the account. Due to this she lost the funds tied to it. 

The hacker has left her account active, and the picture the same. However, she has no ability ( per Venmo ) to disable it as they claim she can not confirm her identity ( again due to the hack ). 

They told me the only way to retrieve my money was to have her account holder issue the refund. As you can see where this is going, she no longer has access to the account, and Venmo will not provide her with access. Therefore the money is in the hackers hands and contacting them is not possible. 

I have tried pursuing this with my bank as well ( XXXX XXXX ), however they just go off of the results of the company ( in this case Venmo ). 

I have tried pursuing this via the XXXX, Venmo, PayPal ( owns Venmo ) and XXXX. All avenues have resulted in the same run-around that without the hackers contact info and them refunding the money that the money is lost. 

I was under the impression that Venmo was a secure service but it would appear this is a major flaw in their protocols. I would say the same about XXXX XXXX. In this case the amount was {$60.00} but I fear what could have happened if the amount was larger. 

I hope you can help me resolve this and get the funds returned but at the very least I hope it triggers them to reevaluate their procedures to ensure a more secure process. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Imperial Recovery Consultants, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IRC Service ( Imperical Recovery Consulting Services ) has repeatedly called about the same payday loan that I am alleged to owe dating back to XXXX in the amount of {$630.00}. I informed at least three of their consultants, most recently on or about Friday XX/XX/XXXX a male voice identifying himself as Mr. XXXX XXXX, that ( 1 ) it is not my loan and ( 2 ) to stop calling ( cease communicating ) with me because it is not my debt and I am not going to pay any amount to settle it. 

I looked up the company XXXX reference when asked what does IRC Service stand for ( the full legal name ). I am writing at IRC Service [ aka Imperical Recovery Consulting Services ] at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  TX XXXX and demanding IRC Service cease communicating with me pursuant to 15 USC 1692 ( c ) which is reproduced below.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX around XXXX, I purchased XXXX ( XXXX ) $ XXXXdollar Visa prepaid cards issued by U.S. Bank in XXXX XXXX XXXX located in XXXX XXXX , CA XXXX . I registered all cards with my personal info right after the purchase. However, after XXXX minutes when I tried to use them for holidays shopping in the store, all cards have the damaged magnetic stripe which totally can not be used anymore. I immediately called XXXX and reported the issues with XXXX agents named " XXXX  '' and " XXXX  '' around XXXX - XXXX. Meanwhile I requested the replaced cards. 

It took a month to receive the new cards with my full name on it. On XX/XX/XXXX I tried to activate XXXX cards with XXXX agents and realized every single card has XXXX balance on it. I spent over XXXX minutes waiting for the right agent to help solve the issues. By around XXXX my call was finally transferred to a specialist named " XXXX XXXX who is willing to help. With another hour phone conversation, I was told all cards were compromised and used up in XXXX store and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is the reason the new replaced cards mailed to me have no balance. 

I made the very very clear conversation with those XXXX agents on XX/XX/XXXX that all three cards were damaged and not possible to be used in the store. The cards need to be void and empty with XXXX balance after requesting the new card mailed out. Also, the old cards were registered with my detail personal info on XX/XX/XXXX so I really do not think I have to be responsible for those fraudulent unauthorized transactions during XX/XX/XXXX and XX/XX/XXXX before receiving the new cards. 

The following are XXXX cards ID info provided by the agent. 

# XXXX, XXXX # XXXX, XXXX # XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Synovus Bank
State: NJ
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 having a serious issue with a credit company falsely reporting me as late for month 's of XXXX, XXXX, and XXXX. 
The card, mentioned above, was closed in XXXX. I made a large payment in, early, XXXX to settle the amount left on the account. My account was closed and payed off. Someone from the company charged my " closed '' account 10 dollars, without my knowledge or consent ; because, I spoke to a representative instead of charging my bank account. I had no knowledge of this! So, they then charged me membership fee 's on a closed account! For the month of XXXX and XXXX, and also charged me late fee 's and reported this to my credit report. This account was closed and I had NO knowledge of this. They have done nothing but give me a hard time! Refused to give me a simple letter for my credit repair person and remove this false negative report. Not to mention I spoke to them five times and gave them an additional payment in the month of XXXX for falsely charging my CLOSED account for Two plus months! And they still reported me as late and delinquent for XXXX. I have been working with a credit repair agency an this is prolonging everything! They have not helped me. They lied and said they would wave fee 's and fix the false balance on an already closed account that should of had a zero balance. They did not remove or fix anything! Instead they keep reporting this, and I need help. A letter for my credit repair man and to have this removed ASAP! I also would like to report them as unprofessional and for fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: BAM Management US Holdings Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been using Binance US for cryptocurrency trading and investing since its inception. It is regarded as the largest worldwide trading platform. I have been trying to withdraw about {$600.00} or so for 2 weeks now to the same account that deposited the funds. The transaction has been Pending and Binance US nor XXXX XXXX XXXX which handles the USD transactions will respond. I will be needing to withdraw $ XXXX plus here in a few weeks to pay taxes and am afraid the funds will be locked as well. 

I have seen hundreds of people posting about months of no responses which is just plain unacceptable. It defeats the purpose of cryptocurrency. I urge all customers to think twice before falling into this scam. I mean how can they get away with this being so large and having so many big name people joining the firm. SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I sent TD Bank a letter twice requesting that they contact me to let me know that I have no financial liability because this account was opened illegally in my name and I have received no response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just opened a new checking account with Bank of the West on XX/XX/21. I funded the account by transferring {$1000.00} from my XXXX checking account on XX/XX/21. The only transactions that have posted to this account ( aside from the {$1000.00} deposit ) were {$1.00} or less, to establish links to my accounts at other institutions, including XXXX and XXXX XXXX XXXX. 

On XX/XX/21, I received the following email from the bank : " Dear Customer, We detected unusual login activity on your Bank of the West account and have temporarily XXXX online access to protect your information. '' I called the indicated phone number to inquire as to what was going on. The agent informed me that my account had been flagged as deposit only, no withdrawals allowed. He further informed me that no reason had been given in the notes and that I needed to call or visit the main XXXX XXXX branch for further assistance. 

At XXXX on XX/XX/21, I called the main XXXX XXXX branch and spoke with XXXX XXXX to see what was going on with my account. XXXX XXXX indicated the account had actually been locked down by another department at the bank - not the branch. She said she would need to make a few phone calls and would get back to me. I did not hear from her, so I called back for her the following day at XXXX. I left a message for her to call me back with the status of her inquiries. She did not respond. 

Bank of the West clearly has some problem with my account but they have failed to inform me what the problem is and how to resolve it. This is terrible customer service and I am quite surprised such a good company would provide such an awful experience. 

Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I use PayPal for several online purchases, specifically their app. I had to change one of my account numbers ( due to unrelated fraud on the account ). To keep this clearer : I had a XXXX card as my preferred charging option. New XXXX card was added the same day I got the new card. I set it as the preferred option again. I received no warnings that any subscriptions would need to be reviewed. I did not update or change anything for any of the other accounts. Today I log into my XXXX checking account and see my balance is considerably lower than I thought it should be and see that I have a PayPal transaction charged to it, which should have never happened. I did not authorize that. I immediately log into PayPal and see that not only did that transaction post but I have a second one that shows it has gone thru today as well. That will put my account negative and at this point, Im frustrated. I use my credit card for these purchases, not my checking account, because I keep the balance low intentionally and this is not what I authorized or signed up for. When I reached out to PayPal : their answer was to tell me they cant change was has posted. Never did they address my repeated complaint that the transactions were not authorized from that payment account. Their app should have had a warning or a prompt like youve changed your preferred payment : do you want to check your subscriptions too?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022

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