BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts are not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XXXX  Balance {$4900.00} Status Account charged off. {$5000.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Account charged off. {$160.00} written off. {$160.00} past due as of XXXX XXXX 
XXXX XXXX XXXX XXXX Potentially negative Date opened XXXX  Balance - Status Paid, Closed FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX  Inquired on XXXX On record until XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until 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 2022-11-08
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
History : On XX/XX/XXXX I entered into a loan agreement with XXXX XXXX XXXXXXXX for the amount of XXXX. XX/XX/XXXX I was approve for a permanent modification with XXXX XXXXXXXX XXXX, XXXX. My payments was reduced to XXXX. About 6 months later after my Modification XXXX. transferred my loan. My Loan has been transferred with 3 other banks from XXXX, and there has been misapplied payments on my account over the life of the loan. 

XXXX XXXX SELENE purchased my loan and immediately started the foreclosure proceedings alleging that I owe XXXX. I disputed that dollar amount and requested in writing to provide me with admissible legal proof of the debt. Selene has failed to provide me with admissible legal proof of debt, but yet wants to force me into accepting a higher payoff than I actually owe and failed to investigate my complaints. Which is a violation of the FAIR DEBT COLLECTION VIOLATION ACT. 

SELENE~ has also failed to acknowledge and accept my previous loan modification that was implemented by XXXX which is troubling because it violates their own servicing guidelines set forth under the government 's making home affordable program, therefore breached the contract. 

I was instructed to submit another loan modification package. Selene accepted the package after telling me I would be considered again for a modification, but yet still decided to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filed out the identity theft report with identitytheft.gov following directions to have credit bureaus block the fraudulent information thats being reported on my credit report while proper investigation is being done.

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 2019-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XX/XX/2019 made a purchase for XXXX and then the end of XXXX I called to pay off my entire balance I paid XXXX and the guy said that was my pay off amount so XXXX goes by no bill XXXX no bill I now receive a bill for XXXX and I have not used this card I called the company XX/XX/XXXX XXXX to resolve this and they told me I made a purchase in XXXX and it left a balance of XXXX cents and then as I asked for a supervisor they got on the phone I explained that I paid the hole card off the end of XXXX so I didn't have no balance well the story changed to well a purchase you made in XXXX didn't come to us until XXXX so they told me two different stories and will not fix the problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach.I want these items deleted from my credit reports effective immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts from my credit reports.These are a list of Accounts and Inquiries as listed. 
Collections - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiries - XXXX XXXX XXXX XXXX XXXX Us Department Of Education 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 2022-12-01
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The complaint is against Venmo card services I made XXXX transfers XXXX for XXXX and XXXX the XXXX went thru the XXXX didnt they held the XXXX for days then told me to send photo Id in to verify identification did that then tell me thanks for Id but we are permanently deactivating your acct wont tell me why so funds are stuck they tell me they are holding my money for up to XXXX  days which is crazy XXXX XXXX XXXX XXXX XXXX  that money was left to me and my kids its bout to be XXXX time XXXX a XXXX  dad I just need some type of help or guidance on getting my funds if they keep acct close thats fine just need my funds to give my kids a XXXX  XXXX please can anyone help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: OH
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-08-03
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went to a XXXX timeshare meeting that was supposed to last two hours but I was there for XXXX XXXX. My fianc and I were very adamant about not wanting a credit card and not wanting to purchase a timeshare due the cost but everyone there was so persistent. We refused to give our social at first and questioned why it was needed and we were told that it was to get the best deal. After turning the sales rep down, we were pushed off to another person to try and get us to buy and again we expressed that it was not in our budget and we did not want to apply for anything. We left that meeting thinking that we declined everything. I later received a letter that a credit card was opened in my name with a card limit of {$4200.00}. A physical card was never sent. It dropped my credit XXXX points for opening an account that I never requested to be open in the firs place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: LEXISNEXIS
State: NV
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:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter.

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: WA
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:
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. 

Accounts named XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX These companies have misused my information and have not tried to help with removing there incorrect information from the clients credit report please have this fixed immediately as my rights stated below have been violated.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been told by previous mortgage company XXXX  that I shellpoint is now servicing my mortgage and today was the first day I could actually view my mortgage. so i attempted to schedule a payment and it immediately locked me out of my account for 24 hours. I never received notification from either company and have been trying to schedule a payment now since XX/XX/2022 and cant. This is forcing my account to be delinquent even more and I still cant make a payment. it should not be this difficult to schedule a payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is for CITI Bank email address : XXXX This bank has a lot of problem that I shouldve checked first before opening an account with them. They blocked my account not even a day of having it activated. I have both checking and savings account with them. When I went to try to log in to my account it was saying Blocked and I need to call the number that was provided. I caller that number right away. And the first person had asked me for my number to verify if its me by sending a txt msg code to tell them what it is. I provided the code and she was asking me if the transaction that was denied was made by me. And I said yes which is attempting to add my card on XXXX XXXX. Which they denied at first then I tried adding it again to my XXXX XXXX and it worked the 2nd time. Then she said theres other transactions that needed to be checked and shes going to transfer me to that department. And the call was transferred the 2nd lady did the same thing asked for my number to get a code from me to mak sure theyre speaking to me the owner of that account. And I did provided her the code. Then she went XXXX and telling me that there will be a 48hrs hold to check my account. But thats all she said. Here I was thinking she was just going to ask me if the transactions that was blocking my account is made by me. But no all she said was there will be a 48hs hold!!!!!! I need my XXXX money in there I have an appy with a high risk XXXX XXXX my XXXX to pay my copay and they XXXX holding my money!!!! I only had the account activated for not even a day and XXXX XXXXXXXX  already blocked my card/account. I cant even use it. There was no XXXX explanation on their ends!!!!!

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 2023-12-04
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Apple has denied me extensions of a credit limit increase because of XXXX late payment out of XXXX years of on time payments had a financial impact from covid and i fixed the problem paid {$880.00} to credit and received no benefits nor increased of my credit limit and denial of my credit is unacceptable and unlawful under 12 CFR 1002.4 regulations b ECOA cant deny me credit is discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: PA
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:
I recently reviewed my consumer report and notice my name misspelled, I requested with Experian by via mail to change my name as shown on my state ID. Experian continues to report my name misspelled. my father 's name is a XXXX XXXX  and I'm the XXXX, our information get mix and I'm allegedly held accountable for his personal actions. In the request letter I highlight all misspelled names to easily identify the errors.

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 2021-01-24
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, My name is XXXX XXXX. I have over {$7000.00} in debt due to visiting the ER when I was homeless. I was just XXXX and I didn't know how to protect my credit except to not apply for cards I didn't need. Well I was informed by adults that if I visited the ER that it wouldn't go on my credit. Well here we are. I have been paying off the debt that I owe for months ( {$100.00} ) each month since the start of last year. I am sure I have paid off more than 2 of the credit debts. I want them off my credit because at this point my credit just keeps going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2017 I had endured a unavoidable eviction. The apartment complex at that time was called XXXX XXXX XXXX in XXXX Texas. I was only making {$1100.00} dollars per month income and the rent was $ XXXX/mth. They rented to me anyways. On my last 2 months of my lease I became behind on my rent and unavoidable eviction. The courts issued a notice and my final balance was {$1700.00}. This is documented in the XXXX Texas municipal eviction court and through the apartment complex. I delayed in immediate repayment due to unavoidable circumstances ( homelessness ) and was sent to collections through a company called IQDATA. I called them and made payment arrangements and was able to pay {$500.00} of the {$1700.00} amount due by the courts but was cut short of completion because I found additional housing and my rent was {$900.00} per month. I tried for 5 years to start payment to IQData until I noticed that my balance went from {$1400.00} dollars to {$4000.00} because they said I owed them back pay. I tried to repay apartment complex directly but needed the adjustment of the {$400.00} applied to the balance due and IQDATA refused to release the correct payment information to the apartment complex until I paid the full {$4000.00}. I tried legal aid and they said they couldn't help. I have suffered long enough. I need your help. IQData won't work with me at all until the full {$4000.00} is paid. The XXXX XXXX XXXX won't help me either and have hung up in my face about 7 times now because they say I am annoying them and they don't care. My actual amount due is {$1300.00} and XXXX XXXX XXXX still wants the full {$1700.00} and I've already paid {$400.00} of it to IQData and IQData refuses to pay XXXX XXXX the money I paid into my debt and won't call XXXX XXXX XXXX back to confirm until I pay them {$4000.00} in full. I have been abused enough. How can you help me. I have been homeless for 6 years now and I'm seriously considering suicide. Please help me. If you can't help me resolve this situation or have it completely deleted from my file for pain and suffering, don't bother to contact me or call with anymore I'm sorrys or there's nothing you can do. Just don't call and throw out this file. I can't take another NO IM SORRY WE CANT. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this account was paid when I refinanced a loan. I addition, the account is 7 years old therefore I am asking for this account to be deleted from my credit.

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