BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal, I am writing to express my disappointment and request for resolution regarding my account which was permanently limited 6 months ago. Recently, I received an email stating that my funds were available for withdrawal. However, I have been facing difficulties in adding my XXXX XXXX XXXX XXXX account to withdraw the money. The PayPal security system is not allowing me to complete the process and I am also unable to complete the security checks as I have lost my phone number. 

Furthermore, I was shocked to see that PayPal has deducted my {$260.00} stating that my account has another negative linked account with a different email address. I assure you that I genuinely have no knowledge of this and have lost my hard-earned money due to this deduction. I have tried finding a resolution from PayPal but I am being denied. I assure you that I am innocent in this regard and do not know what to do.

I kindly request PayPal to give my {$260.00} back as it is my hard-earned money and also allow me access to either transfer the money from my PayPal account to another PayPal account or link my bank account by overiding the security checks by using their professional resources and tools. I trust that PayPal values its customers and will take necessary action to resolve this issue.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05
Company: SYNCHRONY FINANCIAL
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX XXXX, XXXX/XXXX, and SYNCB/Gap. The Account Opened is XXXX/XXXX Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is SYNCB/Gap Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2022-02-10
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have received a text claiming to be from XXXX adding a XXXX person. And another text about forgotten password. 

I have closed my accounts with XXXX a couple years ago. 

I also had someone use my information to file for unemployment at 2 jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
they went in to my checking acout and try to pull out XXXX but it was no money in the acout because i have not schule a payment i all ready sen theme XXXX on XX/XX/XXXX XXXX was no money for theme to take out on XX/XX/XXXX XXXX and when i went to try to pay them on line they lock my act and told me that i hand to pay them XXXX before the can remove repojecting off my suv.so i pay them XXXX .and noe the telling me istill hold them XXXX wich i dont because they recive the XXXX out of my check acct.

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 2023-10-09
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I recently became aware of a partial claim resulting in a subordinate mortgage from XX/XX/XXXX. I was in the midst of selling my home when my lawyer asked me to get my payoffs for my original mortgage and subordinate mortgage. I was expecting the payoff for my subordinate mortgage to be {$31000.00}. I was disturbed to find out that the payoff amount was {$46000.00}. I called the number on the payoff email. That number stated if I wanted to speak with someone please dial another number. When I got someone on the phone, they let me know that there were not one but two partial claims. She helped me understand the portal would have all the documents regarding the partial claims from XXXX and XXXX. I found the documents and reached out to the servicer that was managing my account during that period, Flagstar Bank. 

During my first call with them, I explained what I understood to be the case, I had a loan modification in XXXX and asked why there was a simultaneous partial claim resulting in a subordinate mortgage for {$15000.00}. The loan modification was recorded with the county but the subordinate mortgage was not. I let them know that I felt like the partial claim document was buried in the loan modification paperwork which is why they have the same signature, date, and notarization. After a lengthy hold the explained that the loan modification got me back on track with the mortgage but could not explain the subordinate mortgage. They thought for some reason I had some type of second loan or a HELOC. I requested the documentation for the loan modification, subordinate mortgage, and the history of my account for XXXX. I should have requested the history for XXXX. I received the XXXX document for the loan modification and subordinate mortgage. I had to wait for the history. 

I called to follow up on the history and I was told no one looked at the request yet. I was instructed to email XXXX. They will be able to expedite my request. That same day I received documents from them the same day. Much of the information was screenshots that weren't 100 % clear so I sent an email to XXXX to get answers. The response I received was they were not willing to answer any questions.

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 2024-01-04
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a summons in the mail on XX/XX/XXXX saying that I had outstanding amount with a company I have never heard of in regards to an old account I had. The person delivering the summons specifically said that I dont have to do anything in regards to the summons and all I had to do was call the number listed. After attempting to reach out to the company via multiple phone numbers listed and getting no response, I did my research. I am now realizing that I have to respond to the summons mentioned above. Thankfully I am still within the 21 day timeframe to respond to the summons. However, this experience was horrible I had received XXXX communications and received no proof of debt from this company. I was also told not to respond to the summons that was sent, which I have learnt, leads to an immediately decision made against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Upgrade, Inc.
State: MI
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:
A personal loan was applied for and distributed fraudulently in my name on XX/XX/XXXX. I do not have access to any of the accounts involved. I have contacted the credit bureaus and the original furnisher and received a response from XXXX on XX/XX/XXXX. They also requested a copy of my ID and bank statements via email on this date. I submitted the documents that were required from me on XX/XX/XXXX. On XX/XX/XXXX, I received a confirmation that my inquiry is being investigated. I have yet to receive a response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a house that continued to have all types of problems, the biggest was the AC. I live in Florida and have children and had called several times about the AC not working properly. They would have people come out and try to fix it but in the long run it was never fixed. The AC caused flooding in my home which then caused issues to my health. I could no longer be in the house due to my XXXX  would feel like it was on XXXX. I had XXXX XXXX and all other sorts of issues due to the wet floors. I took video 's of the problems all of which the company has. I had no choice but to move out for the health of my children and myself. When I received the notice of what they stated I owed I was shocked. After communicating with XXXX from XXXX XXXX on several occasions of all the repairs they still have the nerve to tell me I owe them over {$4000.00}. I can not believe what a scam this is. I was willing to settle this but they told me NO. I had no choice but to move out! I packed up my children the day I could no longer handle the XXXX XXXX XXXX XXXX and had to live a a place that didn't even have fully built just to get my children away from the bad health environment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I put in a dispute with transunion in XX/XX/XXXX about XXXX  XXXX because they still have an account on my credit report from XXXX. The account has been closed since XXXX and the issue never got resolved. I put in a dispute again for the same issue in XX/XX/XXXX and it said I was accurate with the account being to old and closed and transunion would update it but never did. And XXXX  XXXX wont remove it off my credit either after i have called them multiple times as well.

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 2022-02-10
Company: Experian Information Solutions Inc.
State: CO
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:
I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared XXXX XXXX bankruptcy. XXXX Credit stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( XXXX Credit ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to XXXX, XXXX Credit 's credit bureau reporting has since been updated to only state " Chapter XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my XXXX and Experian still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on 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 explanation
Consumer complaint received 2023-05-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lakeview/Loan XXXX isn't processing my escrow account in a timely manner. I made several contact attempts, faxed and emailed the information about my 2023 Homestead Exemption forms. I was given false and misleading information. I was told the Texas didn't have that type of exemptions and also the former employee didn't correctly process the forms-was told this on three separate occasions. I was not allowed to speak to a manager nor had access to my online account. In my www.LOANCARE.com ( online account ) was Lock-out again!!! I have a " managed my password set-up '' and when I select password forgot to resubmit the system will continued denied access also the automated system will continue to send vertification codes over & over. Until I demand computer access to customer service staff and instantly my account was UNLOCKED for usage. This online system is a Scam and I submitted faxed my original EXEMPTION forms in XXXX before the Annual Review in XXXX -- however my mortgage payment shows an increased now XXXX. 
This is unfair and I have to submit payment by XXXX XXXX to avoid late!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 7 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 an accurate.

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 2019-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
To Whom It May Concern Ever since Chase Bank took over this loan. Chase been tried so hurt to still the property from. I got this loan in XXXX, the loan is adjustable, after 10 years the loan was suppose to turn in to fix rate. But Chase Bank always refused. cording this loan only interest suppose to be lower them fix. Chase Bank is been increase the rate three times per year with out notify me. 
my payment back on XXXX Was {$1000.00}. But I always pay {$1400.00} every single, for the month, on XXXX I ' only paid {$1000.00} for the first time, my payment is due on the XXXX of each Month with the grace period of 15 day ; s. I made my payment on XX/XX/XXXX what ever was on the statement, since XX/XX/XXXX the Bank was ask me to paid {$2400.00} I pay {$1400.00}. XXXX thy ask for {$2300.00} XXXX {$1900.00}. XX/XX/XXXX {$1800.00} XX/XX/XXXX another {$2400.00} XX/XX/XXXX {$1800.00} those people they don't know what they are doing. I need Chase Bank to Refund a late charge of {$62.00} and removed from the credit beoru for the Month of XX/XX/XXXX. On XX/XX/XXXX I paid  {$1400.00} and I ' Paid {$65000.00} for the principal plust {$1400.00} My loan was in the amount {$210000.00} after I paid the large amount know, know the loan {$140000.00} know they want me to pay {$1300.00}. but is wrong My new payment it should be around {$830.00} be last that amount. please I realy need some help with those crook they always want to still my property however they. 

Thank you so much They information is Chase Bank Loan Number # XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My email is XXXX My phone is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I found inquiries on my credit report that do not belong to me

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 2023-05-15
Company: CAC Financial Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX, I got admitted to this hospital in XX/XX/2022, billed was {$16000.00} and {$5400.00}. I have provided my insurance card. Also my wife call my insurance to be sure that my insurance will cover out of state emergency visit and they said yes. That hospital did not forward the bill to my insurance company but they report it to credit bureau instead. I have called them to resolved issues they response is they dont send out claim to insurance company. Which dont make sense. I have never heard any hospital that doesnt send out bill to insurance company so they can get their money.

Company response to consumer: Closed with explanation