BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
Improper use of my credit report removed the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: TrueAccord Corp.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. 

Act at 15 USC 1692e 807 False or Misleading Representations, which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

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 2018-02-07
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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:
I have an unauthorized credit inquiry on my XXXX from Pentagon Federal Credit Union dated XX/XX/2017 that I did not authorize.

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
inaccurate information was reported to XXXX, Transunion and XXXX, XXXX XXXX XXXX reported late payment, wrong information was reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the information supplied by REVVI card to XXXX, XXXX and Transunion was inaccurate, A late payment was reported.

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 2023-12-26
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
FCI Lender Services and XXXX XXXX  violated Federal Fair Debt Collection Act by falsifying mortgage statements and continued to attempt to collect on a debt that was not substantiated after a consumer disputed the validity of the debt. As a strategy to evade culpability, after 16 years they sold the mortgage to a Trust, XXXX XXXX XXXX XXXX XXXX XXXX, AS OWNER TRUSTEE OF THE XXXX XXXX XXXX XXXX XXXX XXXX operating as a hedge fund, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, masquerading as a mortgage servicer, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & FCI Lender Services , Inc just to name a few.

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 2021-01-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account no reason at all and will not help me get it back up and going Im not sure if its a mistake as I assume it has to be I have not been able to get help from then for months but I just realized i could file a report on here as I feel they are not doing there job properly in its affecting me during this pandemic covid 19 And it has been more a 180 days my email is linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies. 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 report under 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more then 60 days and you are in VIOLATION of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX and I am submitting this formal complaint against Kohl 's. this is what happened Approximately one month ago, I initiated an arbitration process through the XXXX XXXX XXXX XXXX XXXX ) in relation to a negative account that Kohl 's is currently reporting on my credit records. 

I have been notified by AAA that Kohl 's has not adhered to XXXX 's stipulated guidelines pertaining to consumer claims, as delineated within the Consumer Due Process Protocol ( " Protocol '' ) and the Consumer Arbitration Rules ( " Consumer Rules '' ), which encompass the provisions concerning Arbitration Costs. 

Kohl 's, in its actions, is evading its obligations to its clientele and is breaching its contractual commitments. Notably, within the contractual clauses, it is explicitly stated that any disputes can be referred to the XXXX for resolution. In light of these circumstances, I hereby formally request a thorough investigation into the practices of the company, given the perceived inequitable behaviors outlined above. 

This situation for me has been stressful, it has affected my financial life and that of my family. Several loans have been denied and I have lost the opportunity to buy a house. I feel hopeless and anxious about this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: BROKER SOLUTIONS, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I was under the impression that everything cleared for me to close on my own. Two days before closing I was told I wasnt going to be closing and I wont be getting my earnest money back after I had paid for an inspection and Im relocating from another state. All of my things were in transport already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
CFPB case : XXXX Ref : XXXX, XXXX completed on XX/XX/2023 Resurgent, XXXX, and LVNV have put this closed case back into circulation. They removed the cases once they received the notices from CFPB. They have since put them back into circulation on my credit report. They were all dismissed in my Bankruptcy. 

Is it possible for me to sue them for reporting these accounts over and over again?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2023 around XXXXXXXX XXXX XXXX Time, Paypal Inc. permanently limited my account with the violation against their terms and condition. I already emailed them to review my account as I did not use paypal on illegal services/activities but as of the time now my account is still limited and can not make transaction. Still can not withdraw funds and make transaction online. Could you please email paypal - XXXX to review and restore my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2023-08-14
Company: EdFinancial Services
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated college in XXXX with XXXX $ in student loans. These loans were serviced by XXXX XXXX XXXX and the following payments were made on the following dates : XX/XX/XXXX - {$2500.00}, XX/XX/XXXX - {$1400.00}, XX/XX/XXXX - {$1400.00}, XXXX {$1300.00}, XX/XX/XXXX - {$1300.00}. As of XX/XX/XXXX my loans were paid in full. In XX/XX/XXXX with hopes of student loan forgiveness I requested a refund of my loans. I made this request with XXXX as my loans were transferred to them. After months of not receiving a refund and reaching out every few weeks XXXX finally informed me a check was issued but it got lost. With this information I waited a little longer but ultimately cancelled my refund request in XX/XX/XXXX as the stress was not worth it. Since XXXX, I've contacted EdFinancial multiple times to check the status of my account and I just kept being told to check back later. As of Monday XX/XX/XXXX, I still show a balance on my account despite XXXX never receiving a refund, XXXX cancelling the refund request, and XXXX not actually owing anything because my loans are fully paid off. When I reach out I am told to wait but after 5 months my balance should be correctly reflected as XXXX. With payments and interest resuming I will end up having to start paying on my loans for a second time if this is not resolved. While EdFinancial would likely refund that money, it would take 6 months to a year to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Closed this account with Bank of America, and paid more than the minimum This card interest rate is ridiculous. Can not ever get it down already this year over XXXX in interest. It was XXXX and I paid XXXX which would have brought it down to XXXX, now it is back up to over XXXX. I closed this Credit a while ago it was XXXX, to start and I paid XXXX at the beginning. I always pay more than the minimum. Too much interest rate is being put on this account. Which is Bank of America. Not getting anywhere with this Credit Card because of their higher than average interest rate that was raised, because I closed the account.

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 2023-08-14
Company: FORD MOTOR CREDIT CO.
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: Investigation took more than 30 days

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested removal of PMI several months ago. I filled out the proper forms, had an appraisal and paid the difference while on the phone with the mortgage company to bring the LTV below the required percentage to remove the PMI. However, they have not removed it and continue to give me all kinds of excuses and processing delays although when I paid down the difference I was told it would take up to 2 days ( that was over 2 months ago ). I'm beyond frustrated and I continue to pay the PMI even though I've met their requirements to have it removed. I've called at least a dozen times. At this point I feel they are purposely not removing it.

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 2024-01-09
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX at 1731 hours, my wife and I deposited 6 {$50.00} bills in the ATM at US BANK in XXXX, Nevada at XXXX XXXX XXXX . The ATM took our money and did not deposit into our account with XXXX XXXX XXXX  who is a sister bank that uses US Bank. when we made the deposit, we received a receipt that stated, " A MACHINE ERROR HAS OCCURRED WE ARE UNABLE TO CREDIT YOU ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. '' For the record it took all the money we attempted to deposit and after many emails and multiple dispute submissions US BANK has still not resolved the issue. The Bank Branch manager stated, after I showed her, the receipt verifying that their ATM stole our money she stated at the bank, and I quote " We don't have {$300.00} dollars to give you. '' This is theft, I filed a police report and the police will not investigate. US BANK has not returned our money. I want my money or the next stop is with an attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 very very clear that this report is incorrect. The only late remark present is a single LATE 30 DAYS then after that a CHARGED-OFF remark. I believe it will not be hard to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX  I purchased from the United States postal service in XXXX  XXXX, Ca 5 money orders 4 for {$1000.00} each and 1 for {$560.00}. These were the XXXX ( {$2200.00} ) and XXXX ( {$2200.00} ) payments. On XX/XX/XXXX  Selene Finance LP received them and on XX/XX/2022 cashed all 5 money orders. A full payment was posted for XXXX but only a partial payment was posted for XXXX of {$280.00} missing the {$2000.00}. Instead of posting a full payment the partial posting was a direct result of the {$2000.00} being put in the unapplied funds never to be seen or credited for anything again. After numerous phone calls and emails resulting in no one trying to fix the error Selene Finance LP placed my account in foreclosure. After 16 refused payments there was a sale date. I had to hire an attorney to open probate then had to hire a bankruptcy attorney since I had to file for bankruptcy to postpone the sale. All this because no one at Selene Finance LP would fix their mistake. Where did the {$2000.00} go?? Selene Finance LP stole the money put it somewhere no one knows. They are criminals and should be held accountable for their crimes/actions. I applied for a loan modification twice and still waiting to see what might still be needed or what. XX/XX/XXXX XXXXXXXX  the last time. See the XXXX statement

Company response to consumer: Closed with explanation