BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: VA
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:
Hello I would like to see my original contract, pay off disclosure, interest rate disclosure, balance history, payment history, and credit insurance for all of the inquiries below.. Ive sent XXXX priority letters out to all of the credit Bureaus, stating inaccurate information on my credit report, and informed them to send me back proof of the accounts ownership and accuracy of them and I have not received anything back yet, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- -- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results or the reinvestigation ; I also asked for them to send me the correct info back via mail and they didnt. This has ruined my credit for years now of inaccuracies and im ready for it to be properly handled, the accounts are 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 explanation
Consumer complaint received 2021-06-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi there, I transferred money through wire to abroad through TD bank branch XXXX dated XX/XX/21, reference # XXXX, until now the money is not received by the beneficiary. I visited the store three times to find out about it but didn't get satisfied answer. Instead of my couple visits and deep concern the branch failed to contact me or update me regarding the issue or any additional requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Re : Estate XXXX XXXX XXXX Nationstar Mortgage Loan Account Number : XXXX. 

I am disputing the above-referenced debt. 
I have produced to you and your organization proof of payments in several occasions and had requested the above records but in return you and your organization had chosen to ignore my claims, emails and calls. I am disputing this debt, because I have made all the mortgage payments and do not owe this debt. As a result, I request that you carefully review this matter and send me the final pay off amount. You should not report it to the credit reporting agencies and if you have already reported it, I demand that you immediately notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. According to my records, which I am enclosing again, the discrepancy on properly crediting my payments began on or around XXXX XXXX when you bought this mortgage from XXXX. 

Reporting information that you know to be inaccurate, or failing to report information collectedly, violates the FDCPA and the Fair Credit Reporting Act. 

Please find enclosed with this letter copies of all payments made to this loan from XXXX XXXX up to the present for you to verify the debt in this account along of a copy of a letter sent to this company in reference to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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 7th 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 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 2021-06-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Please do not hesitate to help me as I XXXX citizen there's no doubt for that, my heart belongs and loves United State of America, please be there and be kind to help me in times of difficult situation of mine to keep going to live. This really affects me a great impact/big deal about closing my account for no reason. I came here to CFPB to help my problem and advocate my favourable concern, I'm not a bad guy or bad person and also I'm not a hacker or else doing something illegal to closed/shut my account off. I am hoping PAYPAL a good company address my problem and justify it fairly. Reinstate my account is my privilege and blessing to continue use my paypal account and to use my pending/hold balance. Due to this problem Im facing, it cause me XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX pulled my credit report without my authorization. My credit card account was also closed on XX/XX/XXXX due to inactivity. However, I used my card on XX/XX/XXXX prior to it being closed. I called the bank to address this discrepancy. Since it was less than a 30 day gap and because it was their error they would reactivate my account by XX/XX/XXXX and a replacement credit card would be issued because my card expired on XXXX/XXXX/XXXX. In this conversation I specifically asked how my credit report would be affected. They stated that my credit would not be affected in any way. I was told that everything on my account would remain the same with the original open date.

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 2023-09-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have tried to reach USAuto via phone. This number I have always called to make payments over the phone every two weeks since purchase on XX/XX/XXXX. That number is XXXX. Stock # XXXX. No answer. I received a call from a company named WestLake Management. They told me that US Auto has gone out of Business and they have bought all of their contracts. And you currently owe $ and how would you like to make that payment today. I told them I do not know anything about US Auto going out of Business at that time. And you taking over my car loan. I told them for a XXXX, the car should be paid for by now. Every two weeks and when I got paid three times in the month, they expected a payment or the car would be disabled unable to drive. I want to file this claim because US Auto failed to communicate, as of today XX/XX/XXXX anything relating to WestLake Management. I have not received any correspondence from WestLake in writing regarding Business to Business for my account. WestLake has verbally threatened to Reprossess my vehicle. I do not know the Legitimacy of this company. Could be a SCAM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2021-06-24
Company: DISCOVER BANK
State: CT
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft DISCOVER FIN SVCS XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital One no longer offers the Savings Account product called Capital One 360 Savings ( 0.30 % APR ) and customers were not automatically converted to the new account type Capital One 360 Performance Savings ( 2.20 % APR ) with a better interest rates. The Capital One 360 Performance Savings account was created on XX/XX/2019 and my product is no longer offered. 

I was not notified to close and convert to the new account type that offers a significantly better Interest Rate. 

A bank is responsible to ensure they are doing what is in the best interest for the customer and if a product is no longer offered and the new product that is similar to the product type I opened has a better rate, they should automatically convert them OR contact them until they reach the customer to convert them to a product that is offered. 

Today - Capital One only offers two savings account : Capital One 360 Savings Performance ( 2.20 % APR ) and a Kids Account ( 0.30 % ). 

My Individual Capital One 360 Savings account is earning the same as a " Kids Account '' ( 0.30 % ) since 2019 when the account product type closed and the new Capital One 360 Performance Savings replaced it.

I NEVER opened my account type as a " Kids Account ''. 

Capital One should pay me back interest when this account type closed and the new account type was opened/replaced it ( since XX/XX/2019 ) to current day. They owe me back interest for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello I would like to see my original contract, pay off disclosure, interest rate disclosure, balance history, payment history, and credit insurance for all of the inquiries below.. Ive sent out priority letters out to all of the credit Bureaus, stating inaccurate information on my credit report, and informed them to send me back proof of the accounts ownership and accuracy of them and I have not received anything back yet, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- -- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results or the reinvestigation ; I also asked for them to send me the correct info back via mail and they didnt. This has ruined my credit for years now of inaccuracies and im ready for it to be properly handled, the accounts are XXXX, XXXX XXXX XXXX XXXX, and 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 2022-10-31
Company: GOLDMAN SACHS BANK USA
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of XXXX I open an Apple Virtual Card, I am not sure but someone got access to my account, it could be that someone got information from my phone or some other way but whoever did that made purchases on my card from XXXX or XXXX of XXXX to XXXX of XXXX. I since to avoid any further problems or fees with Apple Cards/GS Bank XXXX XXXX I have paid the card and requested the other virtual card to be canceled and give me a new one. Nevertheless, this difficult and stressful situation has caused me a loss of financial and emotional hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: U.S. Auto Sales 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: Information belongs to someone else

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 XXXX XXXX XXXX US Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company. 
Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I submitted a request to have the PMI canceled on my mortgage. I have reason to believe that my XXXX on my home is such that I should no longer be required to pay this insurance. I was instructed by my servicing company, Newrez, that they would send me a request to cancel PMI application and that I would need to pay {$150.00} for a local agent to come and assess my home. I'm fine with that, however, it has been almost 3 weeks and I have not received the application. Every time I call they keep putting it off another week, etc. I have invested in excess of {$80000.00} into my home and I am quite certain that I should no longer be required to maintain PMI insurance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.

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 2023-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For years I have disputed Portfolio Recovery Associates with XXXX, XXXX, and XXXX and have repeatedly asked for PROPER validation of debt from Portfolio, as well as, asked XXXX, XXXX, and XXXX to verify information they are reporting is 100 % accurate, which is my consumer right and failing to do so is a direct and blatant violation of my consumer rights. XXXX, XXXX, and XXXX never investigated information they are reporting as 100 % accurate. In fact, each of them are reporting different information. If they all obtain their information from the same place, how is this possible? They refuse to remove inaccurate and unverified information from Portfolio Recovery Associates. Furthermore, Portfolio Recovery Associates continues to make representations about unsubstantiated debt. I have asked numerous times for Portfolio Recovery Associates to send VALID and SUBSTANTIATED documentation that the debt is valid, and that they are legally licensed to collect in the state of Texas. They never would produce any substantiated documentation. Often times, sending some copy of a credit card statement that I did not recognize, but could not produce anything more. They are still threatening to collect on debt that is past the statue of limitations. They are reporting the account inaccurately and without validation and as such, this has caused harm to my financial well being. They initiated legal action against me when it lacked proper documentation about the debt. 

Portfolio Recovery Associates did not provide the required disclosures when collecting on debts beyond the statute of limitations. Portfolio Recovery Associates committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform me about investigation outcomes : On numerous occasions when Portfolio Recovery Associates determined that my dispute was frivolous or irrelevant, it failed to timely inform me about what information would be necessary for Portfolio Recovery Associates to investigate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We had XXXX XXXX payments scheduled with our bank USAA Federal Savings Bank returned by the vendor, our mortgage company, XXXX Mortgage dba XXXX XXXX, but not credited to my checking account. 

Our home loan was held by XXXX when XXXX XXXX purchased that company several years ago. At the time, XXXX XXXX instructed us to continue making payments using the XXXX account number. We paid the bill in this manner for years using USAAs My Bill Pay app on the XXXX. It worked fine, until it didntXXXX XXXXXXXX had assigned a new account number to our mortgage at some point in the distant past. We did not notice, likely because it occurred during a time when I was XXXX with the XXXX, and whats more, the payment had always been accepted. 

On XX/XX/2021 and again on XX/XX/2021, we scheduled payments of {$1400.00} each ( {$2900.00} total ) just as we always have. Funds were withdrawn from XXXX XXXX checking account at USAA and sent to XXXX XXXX account at XXXX XXXX XXXX in XXXX, FL via XXXX. Since XXXX XXXX system could not identify the account number ( which it always had up until then ), they returned the funds on the dates payments were offered. Unfortunately, these funds were not returned to XXXX USAA checking account. 

We spent from late XXXX through XX/XX/2021 working with XXXX XXXX and USAA trying to find out what happened. On that date, XXXX XXXX finally informed us that the funds were returned to USAA and provided trace numbers to corroborate that. XXXX XXXX has also been willing to collaborate directly with USAA ( e.g., not through us ) to determine where these funds landed. Unfortunately, our repeated attempts to get USAA to participate have failed. 

USAA has also cited a 60 day period in which to make a complaint under XXXX regulations. First, we had no idea funds were returned by XXXX XXXX until XXXX XXXX, which is the relevant date in applying these regulations. Also, our calls to USAA began in XXXX, which certainly gave them adequate time to know there was a problem.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation