BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Idaho Housing And Finance Association
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
Closed on this loan XX/XX/2023. {$6000.00} escrow hold back from cash out proceeds to be used for replacing flooring { LVP and new carpet } to be finished within 90 days of closing. {$1900.00} paid to flooring company, from hold back funds for materials, balance to be paid upon completion of work. Work completed XX/XX/2023. IHFA refused to pay balance to flooring company on XX/XX/XXXX. Any funds remaining were to be released to me by check. I contacted IHFA and was told I needed to pay {$150.00} out of hold back to them for appraiser to verify work is complete. I asked them to show me documentation from closing regarding this since I was unable to find it in my copies of the closing. They were unable to provide that and instead sent me a copy of an in house order for an inspection. 
Since XXXX they have sold my mortgage to XXXX XXXX. They gave me a refinance based on the appraisal that was done in XX/XX/2023. The only stipulation I was given was that the flooring job had to be completed within 90 days of closing, which it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  and Transunion are incorrectly reporting two accounts that were closed in XX/XX/XXXX. Two accounts XXXX account number XXXX, and XXXX  XXXX are actively reporting each month. Both were included in a Chapter XXXX discharged XX/XX/XXXX. XXXX  and Transunion are reporting these creditors updates every month, which may be seen as an attempt to collect a debt, a violation of the FCRA regarding bankruptcy. When I contested this practice, XXXX  and Transunion updated those accounts to look like the accounts are current as of XX/XX/XXXX. XXXX  and Transunion will not fix this, which may violate them FCRA. I have been denied credit due to this 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 2019-06-18
Company: First Data Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wrote Check # XXXX in the amount of {$280.00} on XX/XX/19 payable to XXXX XXXX for my XXXX. The employee took my check, ran it through the machine, but would not give me my check back. The other employee told her that it did not have VOID on it, so they had to retain the physical check. When checking my account, I discovered that the amount was electronically debited from my account on XX/XX/19, and then the check was run through my account on XX/XX/19. I filed the appropriate paperwork with my bank concerning the duplicate debits so that they would correct the error. I subsequently received a collection letter from TRS Recovery Services concerning the electronic transfer. I immediately wrote a letter to dispute the validity of the debt, dated XX/XX/2019. I have now received ANOTHER collection letter, threatening to begin contacting me by telephone & further collection action. I have called TRS Recovery Services to tell them that I am going to report their harassment to the proper authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 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 2022-11-25
Company: EQUIFAX, INC.
State: MI
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXX which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumers reporting agencies are in violation. According to 15 USC-1681i-Experian, XXXX, and XXXX have 30 days to investigate and sent me these letters. And they also didn't even record the current status of the disputed information in which is another violation. I have all the evidence attatched below.

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 2023-05-09
Company: Velocity Portfolio Group
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I filed a dispute with XXXX and XXXX that the balance of {$850.00} for XXXX XXXX XXXX XXXX was open fraudulently and that i did not open the account. On XX/XX/2023, I received an email that my disputes were rejected. I need this stain off my credit report NOW please.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I called Chase about a month ago because I had 3 charges to my account that were causing an overdraft that I didnt make. They told me to lock my card and they would resolve the issue but soon after my account was closed permanently due to suspicious activity and I cant open an account with them or anywhere. They wont tell me why and I quite honestly dont understand whats happening

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: U.S. BANCORP
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking was closed, which I had no problem with. However, my entire online banking access was XXXX. I tried to re-enable it with customer support multiple times but I was told I would never be able to use online banking services anymore. Why is this necessary? This is the worst service I've ever had with any banks, and it seems no one cares about how inconvenient it XXXX cause to the customers at US Bank. I have been banking with multiple major national banks and this is completely unheard of. Very anti-consumer.

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 2023-06-22
Company: EQUIFAX, INC.
State: NC
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:
XXXX and equifax are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is XXXX XXXX. XXXX XXXX also reported duplicate accounts and now i am having trouble getting those two accounts removed. i sent the credit bureaus the proper documents. XXXX XXXX and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with XXXX and hopefully XXXX has put one out like i requested since i reported both companies the nc doj

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: PA
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 my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I learned via XXXX XXXX that Transunion is reporting and open collections on my credit statement from the XXXX XXXX XXXX XXXX XXXX in the amount of {$2600.00}. Supposedly, it was reported on XXXX XXXX, 2017, and referenced with ID # XXXX. I learned about it, and filed a dispute via XXXX XXXX on XXXX XXXX, 2017, stating that I have no knowledge of this account. I heard nothing.on my dispute, so I called Transunion. The person I spoke with recognized I had filed the dispute but stated there was no change to the report. They said Transunion sent my dispute to the business who posted the collection, but they received no feedback. I filed another dispute, this time directly with Transunion, on XXXX XXXX, 2017. This is a bogus collection. I have never been contacted by anyone regarding this collection. Transunion does not appear to do anything other than forwarding my dispute.

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 2023-07-01
Company: Credit Karma, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Basically my XXXX XXXX had custody of me and had access to my social security number my first issue occurred when I was trying open a bank account and they wouldnt let me open a regular one they said I had to open a prepaid bank account and my second issue was when I was trying file my taxes and afterwards it took me to credit karma and I couldnt make an account because it was already one made with my social security number and when I tried to reset it was my XXXX XXXX XXXX name as a email and I also was told somebody in Florida has an id in my name with their picture

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The hard inquiries listed below are items currently within my credit file, and none of these are related applications made by me. It is my official statement that someone and/or several people have applied to these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these inquiries are fraudulent, and they have known this for several months, but have yet to remove these inquiries from my credit reports. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

XXXX XXXX XXXX  ( Bank ) XX/XX/2022 XXXX ( Finance ) XX/XX/2022 XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  ( Auto ) XX/XX/2022 XXXX XXXX  XXXX XXXX  ( Bank XXXX XX/XX/2022 2022

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 2019-06-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/2019, amount paid to me {$3000.00} dollars check. I need proof that this amount was paid to me on the date that's shown above from One Main Financial. Additional to that, XX/XX/2019 I need proof in writing with a copy of check from One Main Financial. {$5300.00} amount paid on prior account, XX/XX/2019. However, I was accused on XX/XX/2019 that I claimed I wanted to refinance and takeout an additional loan for my XXXX XXXX of {$5300.00}. The representative who was working with my title loan on XX/XX/2019 and XX/XX/2019 is ( XXXX XXXX ) she the one claimed that I said I wanted refinance my loan and I takeout additional loan in her possession. I had spoken with the Manager ( XXXX XXXX ) on multiple occasions regarding my concerns of what I state above, at the location in XXXX Ca. However, she redirected to the Executive Office OF Customer Care name ( XXXX XXXX ) sometimes inXX/XX/2019 I had spoken with her with the issues of above. For some reason, I am not getting the information I need to settle my account with the accurate Amounts. ( Amount Financed and Finance charged ). I definitely recalculated the amount that supposed to be issued to me on XX/XX/2019 by check. And the amount does not add up in my calculation. And numbers don't lie. So please take my report in your consideration. feel free to email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Regional Management Corporation
State: NC
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:
XXXX and XXXX are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is regional finance. XXXX financial also reported duplicate accounts and now i am having trouble getting those two accounts removed. i sent the credit bureaus the proper documents. regional finance and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with regional and hopefully XXXX has put one out like i requested since i reported both companies the nc doj

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal case XXXX XX/XX/23 XXXX XXXX account was suspended after I paid for a few expensive purchases. On the same day, I contacted XXXX and was instructed to dispute the charges with my bank/paypal as XXXX has terminated my account and will not ship my purchases to me. See attached for screenshot. 

XX/XX/23 I disputed the above purchase. It was for {$4000.00}. Paypal said XXXX has 10 days to response and if they dont respond, I will receive a refund. 

XX/XX/23 at XXXX XXXX  XXXX is the deadline for paypal to respond. Instead of letting the case time out for me to receive a refund, paypal had put it back in under review mode to prolong refunding me. Their policy is clear cut, if the seller can not provide proof of delivery or response within 10 days, buyer will receive a refund. 

Kindly issue a refund. You are illegally holding my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: Mr. Cooper Group Inc.
State: VT
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:
Last summer I was notified that my mortgage loan was transferred to Mr Cooper. I set up an online account with the new servicer. When I went to make my mortgage payment I was notified that my loan had once again, been transferred, except this time it was to XXXX. I set up an account with XXXX and made my payment. They had trouble processing it, so I had to do it yet again. The next month, same thing happened, they had trouble processing my payment ( something about not all of my information made it over in the transfer process ) and charged me fees. My payments are deducted from my bank account and I never had trouble until these constant transfers. Finally, kicking and screaming I got that payment through and they promised to waive the fees, but still have not. I made my payment for XXXX ( XXXX payment since the transfers ) on XX/XX/XXXX and then noticed on the XXXX that it still had not been deducted from my checking. I logged into my mortgage account only to find out my loan is transferred again, and it is back to Mr Cooper. 

For three days I desperately tried to get hold of someone at Mr Cooper. Their systems were down ( not encouraging, in a world of data in-security ). Now I can not, for the life of me, talk to a person. Their automated phone system is ridiculous and impossible to work through. Even their web chat is not allowing live people. When dialing the phone number they provided in their email to me, the bot answer is immediately " you have dialed the wrong number, call this one instead. '' when calling that number, I get stuck in an infinite loop of XXXX  bots and circular inquiries. 

My XXXX payment still has not gone through, my XXXX fees still have not been cleared, I have no idea who has my loan at this point, I can't talk to anyone, the emails they sent are so ridiculous they can be easily mistaken for phishing scams. How am I supposed to trust and work with this mortgage company?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is saying I had cell phone account with them. I didn't sign XXXX. Not sure what are charging me {$120.00}.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Went to car lot they ran my credit SO many times!

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 2021-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Hello I got fraud check from someone I did mistake to take a picture of check and back deposit but check bound not work so they cost me negative money I was like I did not touch the money so

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