BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
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:
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. 

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$39000.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 


XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$110.00}. The original creditor is XXXX XXXX XXXX. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$2300.00}. The original creditor is XXXX. 

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.

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 2023-01-08
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX PAYPAL sent me an email at XXXX EST stating " Congratulations, XXXX XXXX XXXX! XXXX been selected to apply for the PayPal XXXX XXXX XXXX. ". On XX/XX/XXXX PAYPAL sent another email stating " Thank you for your recent PayPal XXXX XXXX XXXX credit card application. We regret to inform you that we were unable to approve your application for a PayPal XXXX XXXX XXXX credit card account ''. PAYPAL is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. 

I, XXXX XXXX, the consumer and natural person, was denied credit by PAYPAL when I mislead to applied for the PAYPAL XXXX XXXX XXXX Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by PAYPAL due to the response I received. PAYPAL is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PAYPAL. 

If PAYPAL fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This Complaint involves my mortgage company, XXXX and its mortgage servicer.. 

Please see the attached Addendum that includes a detailed timeline relating to the subject matter of this Complaint, as well as a copy of my most recent ( XX/XX/22 ) Mortgage Statement. No additional documents have been attached because it is anticipated that there will not be any factual disputes between myself and the mortgage company. 

Simply put : I was granted a COVID-19 forbearance ; I resumed my contractual responsibilities upon the conclusion of the forbearance ; the Company and I agreed as to the post-forbearance option to address the missed monthly payments during the forbearance. The ball has been in the Company 's court for many months to complete the Payment Deferral Agreement and bring the mortgage current by sending monthly statements that don't reflect " Delinquency Notice '' and other derogatory ( and untrue ) terms.

I have been extremely patient with these people but enough is enough. Sanction them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CORELOGIC INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I am trying to opt out of sharing my information and would like to request a copy of any data they are currently holding.this company. I tried to call the number and I keep getting disconnected

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 2023-02-24
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
On XX/XX/XXXX at the XXXX XXXX XXXX XXXX dealership I signed a retail installment contract with credit acceptance for a XXXX XXXX XXXX. I have recently learned that the contract is faulty due to the additional charges with loan. In the beginning credit acceptance as a lending company is not accommodating to their customers. Before payments were due I asked for a different pay date due to my pay period but was denied. Over the course of the loan credit acceptance has reported incorrect dates and payment amounts to my credit report. In addition to massive hidden fees I have accumulated on my account the numbers are not correct for how much is owned on the car loan. The numbers are different on all three credit reports. Once it took me months to dispute charges and receive a resolution for hidden fees. Credit acceptance do not issue bill statements to customers its only by request, on the website the customer has limited access to their account. The customer can only view current and past due amounts. Credit acceptance as a lender is not professional by conducting business as such. On XX/XX/XXXX th vehicle was repossessed, I recently learned the vehicle was damaged under the care of the third party repossession company the vehicle is now deemed inoperable and being sold at auction. I have invested in over {$21000.00} in a vehicle that was worth {$13000.00} at the time. Furthermore the vehicle is now inoperable due to someone else negligence. I have contacted credit acceptance regarding the damages i discovered on the auction website to the vehicle on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER ''.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2023 I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet they refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer 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 2023-12-06
Company: Experian Information Solutions Inc.
State: GA
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:
I am a victim of identity theft. I have submitted the correct paperwork according to the FCRA and my disputes are not being submitted correctly. The paperwork and my FTC report is not being attached. I am not getting copies of the verification process These are the accounts : 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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My complaint was closed without any result of the investigation being sent to me. I am refilling this complaint again demanding to send the result of the investigation on these accounts XXXX  XXXX XXXX ( Collections ), XXXX XXXX ( XXXX ), XXXX  XXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX  XXXX XXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). If these account can not be verified, I demand these items to be deleted.

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 2023-08-04
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The disputed item was initially disputed on XX/XX/23 and denied. I spent months working with XXXX XXXX to investigate this hard inquiry, as I knew it was not mine. I have never had or applied for any XXXX XXXX account. Eventually, XXXX XXXX determined the hard inquiry that is on my report was due to a fraudulent credit application that used my information. After that investigation, XXXX XXXX issued me 2 letters, dated XX/XX/23 and XX/XX/23, respectively. The first letter stated that XXXX XXXX is sending the update to the credit bureaus to remove the hard inquiry and that should take 4-6 weeks. The second letter specified that an investigation determined the application was fraudulent and reiterated that updated information to remove the hard inquiry from my report was being sent to the credit bureaus and it may take 60 days to complete. When I pulled my Equifax credit report on XX/XX/23 and still saw the hard inquiry from XXXX XXXX, almost 8 weeks after the 1st letter was sent, I filed a dispute to have this hard inquiry removed again, this time armed with the letters that XXXX XXXX provided to me. I spent XXXX hours with XXXX XXXX attempting to verify whether Equifax reached out to them to verify the accuracy as they state in the dispute denial. I was transferred 5 times and no one could even determine who handles disputes. The last person I spoke to, I'm not sure what position or dept she was in because she mumbled so much, but she kept reiterating that the letter says it could take up to 60 days. Yes, one letter indicated it could take up to 60 days and the other letter, also from XXXX XXXX, indicated it could take 4-6 weeks. I disputed this information almost XXXX weeks after the letter indicating 4-6 weeks and 55 days after the letter that indicated up to 60 days. I said I needed to know explicitly if Equifax contacted XXXX XXXX to verify this information in the less than XXXX hours the dispute was open because if they did dispute it and XXXX XXXX denied the accuracy of my dispute simply based on the fact a full 60 days had not yet passed, even though they themselves deemed it fraudulent activity to be removed, then XXXX XXXX is not abiding by the FCRA. However, if Equifax is stating they reached out to XXXX XXXX and did not and decided to close the dispute without investigation, then THEY are not abiding by the FCRA. Whether XXXX XXXX was refusing to provide me with this information or simply could not, I do not know, so since I can not tell which company did not abide by the law under the FCRA and the duty to fully investigate all claims and remove all inaccurate information upon notification by the consumer that it is inaccurate, then I have to file complaints against both and let the agencies sort this out. Either way, SOMEONE did not do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the enclosed documents. I urge the bureau to begin an inquiry into these accounts, as I have never been overdue on payments, despite them being reported as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1.The lender, XXXX 's servicing agency took my mortgage payment through XXXX on XX/XX/XXXX, put it on hold and initiated foreclosure against me for the payment that is still unapplied. ( see Rushmore Loan Mang. Response to CFPB Complaint dated XX/XX/XXXX, XXXX. XXXX. XXXX ( see also Loss Mitigation Affidavit attached ) XXXX.The lender XXXX refused loss mitigation and foreclosure prevention efforts and continued foreclosure in the XXXX XXXXt of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, for the payment it has on hold and unapplied XXXX, I filed a XXXX XXXXXXXX XXXX plan to reorganize the debt but, XXXX XXXX  XXXX XXXX claims in the bankruptcy court that alleged it held a corporate assignment from XXXX dated XX/XX/XXXX. However, that was false and the claim was disallowed but, the court XXXX a lien to XXXX XXXX  although proof of a claim of a XXXX did not exist.

XXXX.There was no corporate assignment dated XX/XX/XXXX, between XXXX and XXXX XXXX  before the bankruptcy filing on XX/XX/XXXX. The corporate transfer violated the bankruptcy automatic stay and occurred XX/XX/XXXX and recorded on XX/XX/XXXX. ( see Rushmore Loan Mang. Response to CFPB Complaint dated XX/XX/XXXX, XXXX. No. XXXX ) ( see Motion for Reconsideration attached ) XXXX. On XX/XX/XXXX, I paid the XXXX XXXX bankruptcy plan to completion and filed a motion to avoid a XXXX however, the court stated it consented to XXXX XXXX XXXX transfer during the automatic stay. My certificated of completion was denied and my motion to avoid a XXXX was also denied. Therefore, I have filed an appeal. ( see case No. XXXX XXXX and XXXX cv XXXX ) XXXX. XXXX took my mortgage payment put it on hold and initiated foreclosure in the meantime, I paid for a reorganization plan to completion but, XXXX XXXX  was granted a lien it did not have. I have paid my bills and yet losing my home. ( see Jet pack ) XXXX. I need help. My mortgage balance before my rights to homeownership and credit was {$XXXX} at 2 % interest. After XXXX took my mortgage payment, unapplied it and initiated foreclosure my mortgage balance is now {$XXXX}, ( see recent mortgage statement ) XXXX. When the same incident occurred with XXXX  XXXX XXXX the institution refunded my money and offered home retention programs. I believe XXXX and XXXX XXXX  are XXXX  me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX I revived an email. Telling me that i had did a great job with my card. They would refund my XXXX $ security deposit on my account. They also said apply on there app for a higher line of credit. I did and they turned me down. When I started8 mouths ago. My credit score was less than 600 way under now almost 700 so why did they turn me down

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANSWORLD SYSTEMS has reported a collections on my report. They have reported a MEDICAL BILLING on my credit report. I have sent over repeated letters by certified mail and that have not responded. They have not validated the debt upon written request. They continue to Report this claim. XXXX claim that have received validation from t he creditor and have kept this derogatory remark on my report despite my multiple letters to them as well.

PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 Both TRANSWORLD SYSTEMS & XXXX  are in both violations of the 1996 Hippa Act, The law clearly states they must provided Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Proof that you are registered to transact business and/or collect in my state.

Proof of your authorization by law for your collection of information.

Evidence of whether this debt was assigned or sold to : TRANSWORLD SYSTEMS PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( b ) that your claim is disputed and validation is requested.

Any Evidence of Medical Billing is a violation the HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY which are a set of regulations and guidelines for the electronic transmission of healthcare data, and sets up guidelines for the code sets used in medical billing and coding.

ANY MEDICAL INFORMATION AND INCLUDING MEDICAL BILLING MUST HAVE A HIPPA RELEASE FORM.

Having Any Of My Medical Information Is A Violation Of Hippa Law. Legal Action Will Proceed.

Collection Agencies do not fall under Health Information Exchange ( HIE ) Which pertains only to Doctors, Nurses, Pharmacist other Health care providers to access and securely share a patients vital medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to report an incorrect address listed on my credit report. The address in question does not belong to me and is inaccurately linked to my credit profile. This error could potentially impact my creditworthiness and cause inconvenience when applying for credit or other financial services. I kindly request the CFPB 's assistance in investigating and resolving this issue promptly. I have attached supporting documents, such as proof of my current address, to help facilitate the correction process. Please let me know if any additional information is required. Thank you for your attention to this matter. Addresses are 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

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello. I sent letters to all 3 credit bureaus on XX/XX/2023. I asked them per the FCRA 609 clause to provide physical evidence of the accounts in question and also I provided proof of my address and asked the other incorrect addresses to be removed.I have yet to receive anything and the XXXX will be 30 days.

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