BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I allowed myself to believe the Paypal person who called me after my first complaint with consumer financial protection bureau when I was thanked for bringing a bad merchant - that had used PayPal as a shield to an ambush marketing program ( one where you have to cancel before the trial period ends or they will charge you the next month 's subscription amount ). 
Anyway PayPal concurred that I was due the credit for this but because I had also tried to charge back with XXXX XXXX XXXX, that they were just waiting to hear that they were not honoring my charge back request ( XXXX XXXX  had issued a temporary credit but then reversed on XX/XX/XXXX ). The gentleman from PayPal said if they had not heard back from 'XXXX XXXX by XX/XX/XXXX, they would issue the credit. Well it's the XXXX of XXXX and still no credit- this has been going on now for 6 months!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: FinCo Services Inc DBA Current
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/ : I filed a dispute as there where multiple transactions I did not make or authorized totaling {$1900.00} On XXXX XXXX XXXX  : I got an email saying it was denied On XXXX XXXX XXXX XXXX I filed a rebuttal, this time with evidence where I was in the XXXX XXXX XXXX XXXXXXXX  event during this time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I informed them my phone was temporarily stolen while I was in the XXXX and that I did not make or authorize these purchases. 

XX/XX/ : They denied my dispute again, even with the concrete evidence I had. 

The reason for the denial was this exactly from the email I received : Transaction history reflects a pattern of adding monies to the account and spending them relatively quickly. 
Transactions on Virtual card, customer in control of Device - Disputed transactions are from the customers assigned Virtual card, and there is no evidence that another device accessed the customers account during the time the disputed transactions occurred. 

First of all, what does me spending and moving money quickly have to do with anything? 

Second of all, they claim I was in control of the device even though I sent concrete evidence that I was admitted to the XXXX XXXX XXXX XXXXXXXX event during the time these purchases were made. How can I be in control of anything under anesthesia? 

Third of all, of course no other device accessed my account because again my phone was temporarily STOLEN while I was under XXXX 

Its very clear, this company did not listen to me at all with anything I said. At this point, respectfully they are just asking to be sued. 

My phone was stolen temporarily, and used to purchase things fraudulently. Things that I did not authorize. I sent them evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are still denying my disputes even with evidence. 

I am filing with the XXXX XXXX XXXX as well, as this is just ridiculous and a clear violation of regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for a grant through the Federal HAF program. My principal balance is only {$14000.00}. 
Midland Mortgage sent a message to Texas HAF that they required a payment of {$14000.00} to bring my loan current. HAF sent the payment amount of {$14000.00} that Midland Mortgage received on XX/XX/2023. Midland Mortgage refused to post the payment to my loan for 23 days. I made several calls and complaints to Midland Mortgage during those 23 days and repeatedly asked to speak to a manager but was never able to. Midland Mortgage finally posted the payment on XXXX, but are now saying that I still owe over {$9000.00} for my principal balance and that my loan is past due for 2 months!!!! Midland Mortgage has been charging me erroneous {$20.00} fees when they are not supposed to be charging ANY fees while my loan is under HAF review. Midland Mortgage needs to adjust my loan by waiving all late fees, erroneous " other fees '' and reapply the entire payment to my principal balance. The whole point of HAF is to help homeowners bring their loan current and help with 3 future payments until the homeowner is able to get back on their feet. Midland Mortgage has caused me and my family severe stress since I applied for the program back in XXXX. I just want my loan balance zeroed out and I will pay my own taxes and insurance at the end of the year. I want my lien released.

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 2023-07-31
Company: Smith, Cohen & Rosenberg LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, is not responding

Company response to consumer: Untimely response
Consumer complaint received 2021-08-18
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The balance and limit on my XXXX XXXX card is wrong. I called the credit bureau on XX/XX/2022 and filed a dispute for them to update their records to the latest information. They haven't responded to my dispute or updated my information. Their website still shows my old balance and limit. I tried to follow up on their website but it only shows that the dispute is " in process ''. I explained to the agent that opened the dispute that I needed the information updated expeditiously due to a loan that I'm trying to finalize. This balance and limit has already reflected in XXXX, but not in the other two credit bureaus.

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 2023-01-27
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-08-08
Company: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX - XXXX XXXX  closing date for refinancing ; Escrow number : XXXX XX/XX/XXXX - XXXX closing date XX/XX/XXXX - application for home equity line of credit placed with XXXX XXXX  XX/XX/XXXX - Mortgage XXXX from XXXX XXXX  name XXXX discovers that  the home loan does not show fully funded and there is a existing lien when XXXX XXXX should have paid off XXXX XXXX XXXX 
XX/XX/XXXX - I reached out numerous stakeholders emails multiple times at Winnpointe Corporation DBA XXXX XXXX to ask for a copy of the recorded release. I also attempted the main number but it immediately hangs up and is not possible to reach anyone. 
XX/XX/XXXX- attempted to release lien online at FDIC lien release, but unable to locate interactive mortgage

Company response to consumer: Untimely response
Consumer complaint received 2020-05-26
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Capital Accounts LLC is attempting to collect a debt from a fraudulent company, XXXX XXXX XXXXXXXX XXXX XXXX. Capital Accounts LLC refuses to acknowledge this company as fraud. 

XXXX XXXX XXXX XXXX XXXXXXXX is requesting the following through Capital Accounts : XX/XX/2020 XXXX $ debt {$500.00} interest XX/XX/2020 {$14.00} interest I have not been to a place called " XXXX XXXX XXXX XXXX XXXX '' I have been to a place called XXXX XXXX XXXX XXXX. I have also received balances of XXXX on both an invoice and an itemized list. 

Capital Accounts LLC refuses to recognize the legitimate company and is aiding XXXX XXXX XXXX XXXX XXXXXXXX in fraud. 

Capital Accounts LLC refuses to provide contact information for XXXX XXXX XXXXXXXX XXXX XXXXXXXX. If they are a legitimate company, how are they not able to provide the contact information? 

Capital Accounts LLC Supervisor said they have contact information with someone from XXXX XXXX XXXX XXXX  XXXX but will not provide it. 

Capital Accounts LLC refuses to recognize the XXXX balance from the legitimate company " XXXX XXXX XXXX XXXX '' Capital Accounts LCC refuses to recognize that XXXX XXXX XXXXXXXX XXXX  XXXX does not exist as a company and you can not even XXXX it. 

XXXX results shows there is no such business called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX billing has told me I owe nothing. 
Under Texas workmans comp law I would have never been charged. 

Everything points that XXXX XXXX XXXX XXXX  XXXX is fraud, and Capital Accounts is not recognizing them as fraud because they are liking financially involved. 

There are people being scammed by both XXXX XXXX XXXX XXXX XXXXXXXX and Captial Accounts, and both of them need to be stopped. 

I am reporting both of these companies to any fraud related organization I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: KP ASSET CONSULTING LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am unsure of what this debt is, but KP Asset Solutions has been repeatedly calling family members and even people I haven't had contact with in 10 years. They have left detailed messages on other individual 's phones saying that this debt will be made public and that my social security number is attached to this information. My wife tried to call them while I was at work and she warned them if they kept calling people they would be reported. Rhey hung up on her. They have since called 5 more people and left these same messages. This harassment needs to stop and this giving out personal information about debts is wrong.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-27
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion is reporting three fraudulent accounts to my credit report. I have included the police report and ftc report. 

The three XXXX accounts and all the inquiries need to be removed due to fraud.

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 2023-05-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX Balance : {$940.00}, XXXX XXXX Balance : {$460.00}, XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX Balance : {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The bureau says that they verified this inaccuracy with XXXX XXXX which is a lie because it has been frozen since XX/XX/2020. I have provided written proof. In addition, the bureau has infringed upon my right to privacy based on the law 15 US Code 1681 ( a ) ( 4 ). With respect to privacy there is no such thing as a matter of public record for XXXX XXXX XXXX being as tho I am the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Have been trying for days to use XXXX to get a report from Equifax ( it's been one year since my last report from Equifax, so there should be no problem. 

I start with XXXX, fill in the information, then get passed to Equifax. On my first attempt, I answered all four of the Equifax questions ( all were junk and I responded " None of the Above '' ). Equifax ( https : //facta.equifax.com/ ) then said " Online Delivery Unavailable ''. Same thing happened on my second attempt ... .. answered all 4 questions ( still junk and responded " None of the Above '' ). Same " Online Delivery Unavailable ''.

In multiple attempts since then, the Equifax site does NOT ask any questions and immediately says " Online Delivery Unavailable ''.

I've called Equifax Consumer Services on XX/XX/19. They want me to forget about XXXX, and create a " my.Equifax '' account in order to get my free report. They have no intention to figure out what is wrong with facta.equifax.com. They have no intention to notify XXXX that they no longer support access thru that site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2022-01-01
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Equifax removed an authorized user tradeline from my credit report when it wasnt supposed to be removed & it dropped my credit score XXXX points. If this isnt fixed, I will be contacting my attorney because it shouldve never been touched. I have worked to get my credit score up & dont need sudden drops in my score especially when Im trying to buy a house in the next few months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Illegal posting of my credit report. Violation of my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 also states that a consumer reporting agency CAN NOT furnish my written a account without my written instructions.

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 2019-07-16
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:
After resolving an issue with XXXX involving the abuse of a POA, XXXX and myself reached a resolution which involved me paying a portion of the account and removing the tradeline completely or reporting the tradeline as PIF with no derogatory remarks. However, after receiving the payment which I only made to remove ALL negative remarks, due to me proving XXXX was partially responsible for the vehicle being unlawfully possessed, XXXX instead updated the report to indicate " Settled for less, $ $ written off '', which is STILL a negative derogatory remark that indicates the account was not in a satisfactory condition. This has continued to prevent me from XXXX  or progressing due to the account still negatively impacting my security clearance.

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 2023-07-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

has violated my rights. Or list of inquiries 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 explanation