BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
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: Information belongs to someone else

Complaint:
Ive Submitted multiple request to the credit reporting agencies Who are in direct violation of 15 USC 1681 c-2.

FAILURE TO REMOVE AND BLOCK THESE TRANSACTIONS WILL RESULT IN FEES OF {$1000.00} PER VIOLATION AS STATED YOU ARE VIOLATING MY PROTECTED CONSUMER RIGHTS

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 2015-07-28
Company: CONSUMER PROTECTION ASSISTANCE COALITION, INC
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Did XXXX bank take credit for paying off a {$35000.00} merchants bank loan and a {$7700.00} university bank loan? XXXX which ultimately became XXXX bankThese notes would have been under XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-20
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like your help to get me a check for approximately {$440.00} from Paymap, Inc that I am entitled to as the result of an agreement with CFPB settlement. 
The 'Equity Accelerator Program/Paymap, Inc ' the XXXX uses to service my mortgage payment recently settled a claim with the CFPB, and I was notified that I was to receive a check. The letter I received on XX/XX/XXXX was dated XX/XX/XXXX, and states that the final day to have a check reissued is XX/XX/XXXX. Since I had received no prior correspondence, and not received a check, the XXXX letter was telling me that I was entitled to a check, but that I was too late to request one. 
I contacted the HELP phone number on the ( attached ) letter, and was told by operator XXXX that they could not help. I spoke with manager XXXX and was told this would be handled by 'corporate ', and was given a fax number and an address. I faxed and mailed a letter, and have still had not response. ( certified mail receipt and fax confirmation attached ). 
I contacted the same HELP number provided on XX/XX/XXXX and operator XXXX told me that my letter had been received according to my account notes, and that 'corporate ' is handling the matter, and that he could not help me or inform me. 
I received a reply on XX/XX/XXXX that said the case was closed. 
The HELP number is no longer in service. 
It seems very unfair to me and inappropriate that I receive a letter long after the closure date telling me of my entitlement, and odd that I had no other check or notification. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX  XXXX XXXX XXXX XXXX veteran, I was suffering hardship from health issues then in XXXX COVID 19 hit. I was placed on a forbearance by Fay Servicing. On about XXXX they sent a letter saying I was on the forbearance and from what I understood it was still active. Then in XXXX I look at the paper and see my home with a foreclosure sale date of XX/XX/XXXX. I was shocked to see it since there is a federal moratorium on foreclosure until the end of XXXX. I also never received notification from Fay my forbearance was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-17
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX 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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update or correct these items immediately : 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 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 2023-05-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On early morning XX/XX/2023, as I woke up and opened my phone, I immedialy saw unusual acitivites from my debit account. Someone tried to use my debit account information to purchase total of {$380.00} for XXXX  XXXX XXXX XXXX XXXX and I also got charged {$11.00} for international fee. I immedeialy called my bank Well Fargo customer service to close my card and dispute these unauthorized transactions. After 10 business days of investigation, bank customer service told me they could not get my money back because these unauthorized transactions were made by chip reader. I told them that was impossible because I stayed in USA and didnt even leave out of country to purachae something overseas. I gave them my working visa to prove. After a few days, they told me they could not get my money back because they thought I used it. I lost almost {$400.00} for buying nothing. What if it happened to me again in the future with higher amount?

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 monetary relief
Consumer complaint received 2023-02-17
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from 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 non-monetary relief
Consumer complaint received 2021-05-18
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have had a Paypak account for several years. In XXXX I changed the phone number of the account. They would not. update the log in phone number after several written and verbal requests. In mid XXXX my phone was stolen, so I purchased a new phone and used a new number. 
When I attempted to contact Paypal is would not let me log in as I did not have access to the old phone, which is where the verification code was being sent. 
I contacted Paypal via phone. At first I was told there was nothing that could be done as his department did not have authorization to change phone numbers in the system. 

I contacted a second time and the man was able to update my phone number, but I still could not access my account of the monies in it. He told me to add a new account. 

After adding the new account I called customer service again to request the funds be transferred from the old account to the new one. I was informed that was not allowed in their system.

I tried calling 2 more times with the same response. 

I recalled the department manager and was told they did not have access or authorization or access to transfer funds. 
When I asked how I could access my funds, the response was you can't. I asked if there was someone else I could speak with and was told he had no one to transfer me to that would be able to help. 

To date I do not have access to my old account and the money that has been paid into it is still unavailable. in is still unavailable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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:
I've been a victim of identity theft in the past. My information has been compromised due to a data breach. These accounts DO NOT belong to me. I'm alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal information to apply for goods services or money and was successful in creating fraudulent accounts. I have no knowledge of this, its hurting my chances at getting a home loan.I have disputed accounts in the Past with all 3 Credit Bureaus and the fraudulent Accounts are still on my report with no documentation evidence from the investigation that was made. A investigative report should be done by personal interviews and all 3 Credit Bureaus FAILED to accurately investigate, I need these inaccurate and unauthorized accounts removed from my report IMMEDIATELY because it is hurting my chances with getting a mortgage, which is helping to ruin the banking system which in turn is ruining the economy.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2018-09-09
Company: CITIBANK, N.A.
State: IL
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:
Account ending in XXXX Please do not close this complaint. It is NOT a duplicate. Citi has never responded to this issue, please do not close this!

Citi is not handling a dispute accurately. I ordered supplements online with XXXX XXXX The box arrived and was filled with the wrong supplements, I contacted the seller and they sent me a return label for a return and refund or replacement. The items were sent back but they refused to refund me. I opened a dispute and citi has basically ignored the fact and supporting documents. I have proof via email the box was returned and was the same weight it was when received. I have photographs of the contents and confirmed they are items sold on their site. I also have emails proving the company will refund me but then won't. This is a cut and dry case for my bank to step in and file a claim but they have dropped the ball. 

I am now getting charged with late fees and service fees because I refuse to pay on the account until this is removed, this charge is my only balance. 

XX/XX/2018 XXXX XXXX XXXX NC Expand Details

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 2023-12-20
Company: U.S. BANCORP
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I sent a Bill of exchange payment of {$2000.00} by Restrictively indorsing the coupon they had sent me in the mail and sent this instrument to the payment address on the coupon which turned it into a check. ( image XXXX XXXX ) for tracking information. I then called on XX/XX/2023 to see if there was an update on my payment. They said they did not receive any form of payment and that it could take longer sometimes for them to process mail payments. I then called XX/XX/2023 to see if there was an update and they still said that they never received a payment and that I should send another check or that I could pay on their app. I told them that I saw that the payment was received at the payment address on my billing statement on XX/XX/2023. They told me that it might have got lost in the system or that they never received it. I then explained if you lost my payment then per UCC 3-603 the amount due must be discharged. They ignored this and said I still owed the debt even though I sent in a legal tender of payment. I then received a letter in the mail from U.S. Bank saying that I am still legally responsible for paying my account statement and a valid form of payment was a check. ( U.S. Bank mail XXXX ) I paid with a check and they are saying that my payment was not valid. I then sent U.S. Bank a Notice of Claim letter, which would be considered a tender of payment and security collateral for my application for my credit card account. ( U.S. Bank Notice letter ) I did this following the Federal Reserve Act section 16 which states that " In no event shall such collateral security be less than the amount of Federal Reserve notes applied for ''. I did not receive any communication from them. I then sent another Notice of Claim letter ( U.S Bank Notice letter XXXX ) with no response ( Image XXXX ) tracking information. They have also reported my non-public transaction history to XXXX, XXXX, and XXXX without my written authorization. U.S. Bank has been knowingly and willingly breaching their fiduciary duties and acting in bad faith per Federal Reserve Act Section 29. They are knowingly causing me substantial financial loss and reporting incorrect information to unaffiliated parties.

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 2023-07-05
Company: Experian Information Solutions 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:
On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXX  that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : Experian, XXXX and XXXX Account Name : XXXX XXXXXXXX Account number : XXXX XXXX This account has violated my rights under these federal laws : * XXXX5 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2023-07-05
Company: Experian Information Solutions Inc.
State: NY
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:
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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) 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 an 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