BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: ACIMA CREDIT, LLC
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 belongs to someone else

Complaint:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX, want to raise this issue with paypal. My account to them is tapbobed @ XXXX. 

Somewhat in XXXX or XXXX that paypal just limit my account. I tried resolving this but they didn't either accept or rejected my documents that they are asking more. What should I give more if that's only what I have. What more they need to know, the important informations are all there. I didn't do anything wrong. I just do online jobs which my clients paying me through paypal and my client is not alone since this small job that i saw in freelance website. 

I taught after 180 days they will release my money but rather they took it and now my balance is zero. They insisting that i made a violation in their policy, i ask them what specific violation i made but they didn't provide. Is this fair for them just to took the money of others like me. How many more individual they are doing this. I think this paypal should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 2016-04-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX, we submitted proof of insurance on a property on which Nationstar Mortgage holds a mortgage ; the policy covered from XX/XX/XXXX to XX/XX/XXXX. Despite this, the insurance department of Nationstar then purchased a policy on this property and billed us for the cost. When I received a call informing me that our account was in arrears, I then faxed another copy of the proof of insurance in XXXX XXXX. They sent me a letter claiming that the policy only covered until XX/XX/XXXX. I called and spoke to a customer service representative in the insurance department. I had the XXXX pull up the proof of insurance and read me the dates of coverage. This individual read that the dates of coverage were from XX/XX/XXXX to XX/XX/XXXX. He then assured me that he would correct their error and make certain that the account would show that we were not in arrears. This was not done. The next letter I received informed me that the proof of insurance I had provided was unsatisfactory because it stated that the policy covered XXXX structures. I called and spoke to a supervisor in the insurance department and explained that the policy covered XXXX structures because there were XXXX structures on the five-acre property, a fact which they could easily verify if the merely consulted the legal description of the property. The supervisor then told me that he would " research '' the issue and call me back. He never did so. I have received daily phone calls since that date, which was some two weeks ago. Each time I answer, the caller informs me that we are behind in our mortgage payments because we have n't paid for the insurance policy Nationstar purchased for us. I then tell ask to be connected to the insurance department. When I speak to the person in the insurance department, they tell me that they are still " researching '' our insurance policy and promise to call me back when they have resolved the issue. They never do. 
The kicker is that Nationstar did this same thing to us last year. They, of course, are reporting us to the credit reporting agencies, and our credit rating has been destroyed. I had to put in a great deal of effort last year to try to repair our credit rating. Now, I 'm going through the same experience again. 
I am at my wit 's end. We own XXXX real properties and have always paid all of our mortgages on time, and we have always submitted proof of insurance. No other mortgage holder has ever done anything like this. This company has made it nearly impossible for us to obtain credit now, and we have never done anything wrong. What recourse do I have?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mediation was done in court between NationStar attorney and borrower at the beginning of XXXX 2016. The agreement was to get the modification packet request to Nation Star.Modification request was sent by there due date. Left message with account manager on XXXX/XXXX/16 also spoke to XXXX who advised of other docs needed. These were faxed. Left another voicemail with acct manager on XXXX/XXXX/16. As of to date no return call from account manager. I spoke to a representative today, XXXX/XXXX/16 who advised me that the account is closed and house went up for sale on XXXX/XXXX/16

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: MS
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/21 I paid {$500.00} for a XXXX XXXX XXXX. After attempting to activate the card, I was informed that Netspend refused to allow activation of my XXXX XXXX XXXX and a refund would be issued in the form of a check that would arrive in 7-10 business days. 

The check never arrived. I filed a CFPB complaint and was contacted by XXXX in the corporate office. I was told the initial check was sent to the wrong adress. He stated that a new check would be issued. A new check never arrived. 

I was later on contacted by XXXX from the corporate office. XXXX offered the option to do a XXXX pickup for {$500.00}. I was provided reference number XXXX. I attempted to pick up the funds the same day at XXXX and XXXX. Both XXXX agents informed me the XXXX transfer was configured incorrectly and unavailable for pickup. I contacted XXXX and asked her to fix the transfer so I could pick it up. She informed me that she did not know how. So, I asked that the transfer be cancelled and a check be sent. She stated that she did so. 

The check has never arrived. I have contacted XXXX over a dozen times subsequently inquiring as to the status of my check and she never answers the phone nor reply to voicemails and on the rare occasion that she does, she does not seem interested in resolving my situation and making sure I have a check in hand. 

I still have not received a refund for {$500.00}. I contacted XXXX today and they once again verified that my transfer from Netspend was cancelled. The same status is shown on the website with the reference number provided. Netspend responded to my initial CFPB complaint with false information. They stated my XXXX was picked up. That is false as noted above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/2021 {$7500.00}. No response XX/XX/2021. {$7500.00}. No response XX/XX/2021 {$7500.00} No response Im disputing this debt because once this vehicle was repossessed I was Not notified of any proposed sale in 10 days, Under the laws of the State of Florida XXXX XXXX and XXXX  XXXX and XXXX a deficiency can not be claimed unless all notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRY REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX Date of inquiry XX/XX/XXXX TransUnion RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2023-06-01
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:
I reviewed my Consumer Reports and noticed that I had over 7 years of charge off reporting activity. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-06-01
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for ( XX/XX/2022 & XX/XX/2022 ). Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXXXXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-02-05
Company: CCF Intermediate Holdings LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account by XXXX  XXXX? Charged off {$270.00} and I've never heard of this place? This is not my account and tried to contact them direct with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My wife had a Capital One credit card in her name and she passed away on XX/XX/22. We were dependent on my wife 's social security income and pension which have both been discontinued upon her death. I am unable to afford to continue to pay this credit card with a balance of {$2100.00} on my social security income. I called Capital One on XX/XX/XXXX to ask if they would negotiate a lower interest rate from 22.9 % which I always felt was taking advantage of us due to our advanced age. With the minimum monthly payment my wife was making, she was barely paying towards the principal. I need help to deal with this debt and the credit card company did not care about my current financial situation or death of my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX  MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
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. I told Transunion, to reinvestigate these accounts : XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX Account # XXXX XXXX, XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-02-03
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation