BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXXXXXX XXXX XXXX 

I called to put a temporary hold on my account due to having to move ( military order ) 6 months later while I am on orders I received a notification that have something in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash app!!! my account was hacked. My bank return the funds now cash app telling me that I owe them the money!!!! and I can't close the account they also said I should get people to cash app me some money so they can keep the money. I sold my XXXX XXXX stock for {$130.00} and they kept my money. I'm try to close all the accounts that was hacked and everyone is acting like I owe them something there is so much fraud going on. I know XXXX XXXX will be the next company I'll comp! ain't about. Thank y'all for helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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 2019-07-09
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to report misappropriation of funds and egregious mortgage servicing practices performed by LoanCare LLC. 

Our mortgage servicing was bought from LoanCare effective XX/XX/XXXX ; however LoanCare did not provide any notice of transfer of servicing. In late XX/XX/XXXX - 6 months after the date of transfer - I received an alert through personal credit monitoring that my mortgage was being reported as delinquent by a new servicer. We had no idea that our loan servicing was transferred from LoanCare to  XXXX in XX/XX/XXXX ; regular, timely monthly payments were made to LoanCare until XX/XX/XXXX. 

After contacting XXXX ( who failed to provide appropriate notice as well, by sending the documents to the property address rather than our permanent residence ), I was informed that our mortgage was thousands in arrears. I began reconciling where the payments made to LoanCare from XX/XX/XXXX to XX/XX/XXXX had been applied, if at all. 

On XX/XX/XXXX I made my first call to LoanCare in an attempt to reconcile the payments and found that of the five payments, 2 were forwarded to the new servicer and 2 were returned to my bank. The last payment remains unaccounted for.

LoanCare failed to appropriately forward or return the payment made on XX/XX/XXXX and is unable to provide any documentation as to it's whereabouts. 

As of XX/XX/XXXX, I have spoken with LoanCare customer service on 6 occasions, Twice ( once via fax and once via email ) I have provided proof to LoanCare that they accepted and endorsed this payment and asked for documentation of its application. 

The information provided by LoanCare 's customer service is different and contradictory but the results are the same : no resolution. For 8 weeks now, I have been told that the research is " still in process ''. I have been given dates by which I can expect the documentation to be mailed ( never has arrived ). I have been given case tracking numbers that when referenced in subsequent calls, apparently have no case history. I have a customer service rep inexplicably transfer my call back to the main call directory, and every with call I am placed on hold in excess of 20 minutes. 

On my most recent call, I was told they do not have any documentation on file and that I should submit the proof again. I am no further along today than I was at time I first contacted them. To boot - in XX/XX/XXXX - LoanCare reported my mortgage ( the  one transferred in XX/XX/XXXX ) as being >120 in arrears! Upon my contacting them about this separate issue, I was informed that I needed to provide them with proof that they reported this information - which makes no sense. 

The net result is that LoanCare has misappropriated at least {$1800.00} and is not being held accountable for their practices.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 Acct XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have a 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 2022-09-28
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-12-05
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I've been having trouble accessing the website and I have also been calling on the phone for several days and the automated system keeps saying that phone representatives are not available. I tried to set up an automatic payment on the same phone system and it immediately disconnected. 

When I was able to get access to the online system after several tries, there was no record of my having sent a payment for XXXX the XXXX, and I did send it and I have proof that the payment came out of my checking account. 

Also, somehow they lost all of my checking account information in the online system and I'm not sure if that has something to do with 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 2021-05-13
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:
GOOD AFTERNOON, ON MANY OCCASIONS I HAVE ATTEMPTED TO RECTIFY THE FOLLOWING ACCOUNTS WHICH ARE CURRENTLY REPORT ON MY CREDIT REPORT AS VERY NEGATIVE AND SHOULD HAVE BEEN RESOLVED A LONG TIME AGO : XXXX XXXX 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. 

I HAVE NOT RECEIVED ANY RESPONSE FROM NEITHER BUREAU REGARDING THIS MATTER : XXXX, XXXX AND TRANSUNION. THESE ACCOUNTS ARE REALLY HURTING THE STATE OF HEALTH OF MY CREDIT AND SHOULD NOT BE REPORTING DUE TO THE FACT THAT NONE OF THOSE ACCOUNTS ARE REPORTING ACCURATELY, COMPLETE, NOR ARE THEY VERIFIABLE. I DEMAND TO KNOW WHY THESE ACCOUNTS STILL REMAIN, I REQUEST ASSISTANCE WITH THIS MATTER IMMEDIATELY AND I GREATLY APPRECIATE IT, THANK YOU.

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 2022-10-30
Company: EQUIFAX, INC.
State: LA
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:
I recently wrote to Equifax via certified mail, disputing information that I did not recognize and or find to be accurate on my credit report. The letters I wrote to them were left with an agent of the company per XXXX tracking. Afterwards, more than 60 days later, did not receive any indication from Equifax that the disputed information was under investigation, nor did I receive any investigation results. I gave them plenty of time to get back to me. I do not believe a proper investigation took place for the following items : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, I am concerned that my right to privacy is being violated. I have no idea how these companies obtained my personal and nonpublic information such as my social security number to be able to furnish the information that they are reporting. I have requested documents from the companies above, and to this day, I have never witnessed any physical documentation baring my signature, nor did I receive any clear and conspicuous disclosures that were allegedly signed by me consenting to opt into reporting, which I have requested. I just want to make sure everyone is following the law and that you, the supervising body of the XXXX XXXX XXXX, are helping to ensure that my right to privacy is being respected, as well my right to fairness and accuracy. I am requesting that the accounts be deleted due to these matters. I do not consent to E-Oscar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been with the company for years and my direct deposit has been with them for almost a decade. They closed my account and could not give a solid reason as to why they closed it. I have spoken with multiple reps who said I would need to reapply in order to open the card back up. It should have never been closed since I was making the required payments. It also appears in my dashboard for online banking. I noticed the accounts interest increased even though the account is closed. I should not pay an increased interest rate when the account was closed prior to the increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This hard inquiries do not belong to me : XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-02-07
Company: FISERV INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I received the middle class tax refund, I activated my card and the same day I received an email from money network to open an account to keep track of my spending etc... 
so I did, I did not use the card for about a week, and when I did there was XXXX XXXX on the card. I called money network and filed a claim that my money was stolen, waited 3 weeks and contacted money network again and the agent told me that my information was entered wrong and that she would have to refile my claim and not to call back until XXXX XXXX i am a tax paying american citizen, I earned that refund and because of the shoddy handling of peoples information, and no security in place my money is gone. I have been waiting since XXXX XXXX XXXX XXXX was ruined I was counting on that money. can you please help me get my money.

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 2023-08-22
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Received a {$500.00} Vanilla Gift Card from co-workers for my retirement. When I tried to use it, it is showing that no funds were ever added to the card. I contacted the issuer and they requested receipt information from when the card was purchased. That was provided to them as of XX/XX/XXXX and they have acknowledged receipt of the required documentation. They opened a case - number XXXX and told me a response would be provided within 30 business days, which would be XX/XX/XXXX. No response was received by XX/XX/XXXX so I contacted them on XX/XX/XXXX and they said it would be escalated and I would receive an email within 48 hours. No response so I called again on XX/XX/XXXX and was told the same thing, would be escalated and I would receive an email within 48 hours. No response so I called again on XX/XX/XXXX and was told the same thing - would be escalated and would receive an email within 48 hours. Still no response. 
The card was issued by XXXX, XXXX, Member FDIC. They are part of XXXX in XXXX XXXX, XXXX. Card is distributed and serviced by InComm Financial Services , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for Transunion, NO REPORTING for XXXX, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail. 

XXXX XXXXXXXX : Account number : XXXX, XXXX reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for Transunion, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail.

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 2022-10-15
Company: Bread Financial Holdings, Inc.
State: WA
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:
Comenity Bank took over the XXXX XXXX card from XXXX  XXXX XXXX. There are now charges that read " XXXX XXXX XXXX  '' in my transactions. They sent an email that said that the the XXXX XXXX XXXX will be explained on the statement showing what vendor they came from. And that they were from PRIOR purchases made on the original card that the original card holder hadn't disclosed the vendors yet. 
Well, when I log into my account, it shows XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXXY XXXX OH {$25.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX OH {$66.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX OH {$57.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX OH {$20.00} Here 's the challenge. 1. ALL previous transactions transferred over and listed okay. 2. When I look at my corresponding transactions on the originall XXXX XXXX XXXX XXXXXXXX account there are NO matching transactions. Not only that the last transaction from the XXXX XXXX  XXXX XXXX was from XX/XX/XXXX. And Comenity went live on XX/XX/XXXX. So what are the charges from XX/XX/XXXX & XX/XX/XXXX? 

There only answer is that they are working on it? They have no discernable way to disclose the needed information that I need to discern if I made those purchases or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. Th e List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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