BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block that they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I have a loan with XXXXXXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof, Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive disputed it with Transunion credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a claim because a merchant over charged me and the service I was asking for wasnt the one they was providing. I requested a cancellation to the merchant ( XXXX XXXXXXXX ) and the service was supposed to start the next day and I canceled the Same day I took it without Leaving the merchant site. I first the merchant Told me they did it, for my records I asked for a cancellation prouf or paper, the merchant started fighting and I told them I will call the police .She told me she wont give me a refund because I stepped out but I was in the front of the office because I was checking on the paper she gave me, she did not explain me anything telling me everything is a email they will send me ( I got a quote from an agent on the phone and I when to the closest place to paid it. The original price I was supposed to pay was {$230.00} ) when the lady I find there charged me {$330.00} because they were already a quote. When I checked I realized she over charged me and that wasnt a service I was asking for. I called immediately the agent who did my quote she apologize to me and told me the company they find for me is not providing it at the moment and she asked me if I would like to cancel and I told her yes, she told me to go back inside and request for cancellation and make sure to get a confirmation paper.Now they told my bank I did not cancel it and I sent my bank the paper stating cancellation request and proof I got another insurance after I canceled it and my bank credited the claim money I opened. I submitted all documents.they tried to lied I sign something but they forgot to put the XXXX I signed but all documents showed everything was on the XXXX I even my bank transactions was on the XXXX .which means they was lying. I gave all all documents to the bank the event didnt check they just closed my case stating I did not give them enough evidence.what else they want than a cancellation paper? Please check attached for documents and all explanation.

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 2021-06-02
Company: Underwood James and Associates LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, at approximately XXXX hours, I, was dispatched to Texas in reference to a Fraud Call for Service. 

Upon arrival, I made contact with the reportee, identified who stated an unknown person had taken money from him by using deception. 

PROSECUTION IS DESIRED stated he met a female on XXXX identified as " XXXX XXXX '' in XXXX XXXX stated this female told him she was in the military and they began to text ( over the XXXX XXXX XXXX ) and started a romantic relationship. stated eventually XXXX XXXX told him she was going to send him a suitcase full of money. stated XXXX XXXX sent the suitcase from overseas. stated he was told that the suitcase was stuck in customs, and he needed to send money to get the suitcase. 
stated he made fifteen to eighteen wire transfers to various accounts with differing addresses. stated he sent over {$90000.00} to these accounts. 
stated XXXX XXXX is now not answering his text messages, and he believes he was scammed. 
stated he would retain all documents and screenshots in reference to this case. 

Crime Scene Search : Audio : No Photos : No Video : No Scene Summary : The residence located at Texas. It is located in the unincorporated

Company response to consumer: Untimely response
Consumer complaint received 2023-09-13
Company: UMB FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a continuation of the following complaint from XXXX on XX/XX/XXXX Date of Last Balance Reported Update Amount Amount Past Due Date of Last Payment Actual Payment Scheduled Payment Date of 1st Date of Last Date Maj Del. Charge Off Amount Amount Delinquency Activity 1st Rptd Amount Deferred Pay Balloon Pay Start Date Amount Balloon Pay Date Date Closed XX/XX/XXXX {$5400.00} {$5400.00} XX/XX/XXXX XX/XX/XXXX {$6100.00} XX/XX/XXXX Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Charge Off Revolving Credit Card Individual Account 1. The creditor is manipulating dates on the credit bureau so that it will stay on longer. 

2. I am requesting Historical Data ( Payments Date and Amount 3. I have not made any payments since XXXX because XXXX sent the account to XXXX XXXX XXXXThe terms and conditions were not Honor by XXXX XXXX XXXX XXXX XXXX 
XXXX advise that thee was nothing that could be done, XXXX XXXX was responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Upon receiving my Capital One XX/XX/2023 statement it showed a New Balance of {$6100.00}, which did include interest for the billing period XXXX2023. Per the statement a payment was due XX/XX/2023 for a minimum of {$190.00} up to the new balance of {$6100.00}. On XX/XX/2023 Capital One accepted, through their website, my monthly payment wired from my regular payment account. I chose to pay the CURRENT account balance of {$6500.00} IN FULL. This reflected the FULL balance per the XX/XX/2023 statement, PLUS {$430.00} in new charges that had occurred since as part of the XX/XX/2023 statement period. Additionally, I received a {$50.00} statement credit on XX/XX/2023 totaling a {$6600.00} in credits to the account during the billing cycle. The payment dates, previous balance, payment amounts, and statement credits all are reflected accurately on the XX/XX/2023 statement showing a lesser amount due than transactions. However, a interest charge of {$110.00} was assessed on the XX/XX/2023 statement. I attempted to dispute the charge online, the Capital One website will only allow you to dispute others ' charges online. I called customer service, waited on hold for some time, and after inquiry as to why I received the interest charge they explained to me how credit is accrued and argued that I had to pay my account off in order to avoid an interest charge and upon review the charge was correct. When I suggested that they were incorrect, and explained that I overpaid the account they still insisted the interest would be due. They were unwilling to update the account and I am now required to pay additional undue interest in order to protect my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Account Management , LLC of XXXXXXXX XXXX sent me a notice of collection for an unpaid toll violation which occurred in error due to the failure of XXXX XXXX XXXX  sensor to detect my car 's toll pass. 

I sent certified mail within 30 days to the listed address ( with evidence of toll pass activity ) disputing the debt as is my right. Professional Account Management refused to accept the letter and returned it to sender, demonstrating willful blindness and failure to comply with state and federal consumer financial protection laws.

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 2023-04-26
Company: Terrill Outsourcing Group
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a harassing call from Superlative RM where the rep named XXXX placed his so called supervisor on the phone once I requested to negotiate payoff amount. They offered payment plans which I politely declined and offered my reasons and was willing to negotiate a payoff amount. XXXX named XXXX had such a disgusting attitude and began to try and belittle me about the debt, talking out the side of his neck, real unprofessional, very unpleasant. I remained calm and stood my ground, he then gave phone back to rep and I could hear XXXX talking in the background making harassing comments to others in the background. XXXX is a real XXXX of a person at Superlative RM!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 my XXXX year old son using my computer ( unauthorized ) purchased 2 pair of sunglasses from a company pretending to be XXXX XXXX XXXX XXXX  ( XXXX ) based in the USA and they are not. They are called XXXX based outside the country. 
The transaction was made around XXXX this day using PayPal, my son notify me in the morning around XXXX of what he done, I immediately contacted PayPal to cancel this transaction and they refused to do so, I stated 2 valid reasons on their cancelation policy : One that my son was unauthorized and a minor ( not legally bound ) and second that the seller was obviously a fraud/scam. 

Also that morning I try numerous times to contact seller to cancel order with no luck. Seller did not reply, at this time XX/XX/2020 the purchased items had no tracking information, bank account was not drafted and I have try to inform PayPal of this with no luck, they quickly closed the dispute I place on resolution center without a valid response, and with disregards that this company is a fraud/scam. 

I believe that PayPal is in violation of the Federal guidelines on how to protect consumers from fraud, and that they even seem to be encouraging this type of behavior from fraudulent sellers. 

Seller sent a shipping tracking info XX/XX/2020 with a fake international tracking number, since XXXX do not recognize such tracking! Again another obvious red flag! 

Paypal transaction ID : XXXX for {$75.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My home financing at XXXX XXXX XXXX XXXX, XXXX, NY XXXX is owned by XXXX XXXX  and Serviced by Ocwen Servicing. It then bought PHH Mortgage. The loan was serviced by Ocwen and agreed to modify the loan in XXXX. I paid the initial payments for one year until Ocwen, using clerks not in this country who did not know anything about the loan began misapplying payments, losing them, and sending me default notices until I finally gave up -- hoping that Ocwen would finally take notice and work out the problems. Instead they just started a foreclosure. 
So, in XXXX I again modified the loan. However, I agreed to make the trial payments with the understanding that they would adjust the loan amount and huge balloon ( {$800000.00} AFTER paying for 20 years ) once I obtain a NY Licensed appraisal. They simply charged me {>= $1,000,000} for a house worth {$800000.00} with an additional {$800000.00} balloon. They refused to correct what was owed as promised. So, they then sued me because I refused to pay 50 percent more than the house was worth. 
They have two sets of lawyers and a corrupt judge ( one who was appointed by a now XXXX  XXXX. and have a Judgment of Forcclosure. 
Ocwen has been sued by you for {$200.00} million for consumer fraud and they are back at it again using PHH Mortgage which they bought to sheild themselves for doing exactly what they were doing before. Screwing homeowners. 
THIS is another XXXX XXXX. XXXX XXXX, written about in XXXX XXXX ( XXXX XXXX ) is at it again as it was with MortgageIt when it settle with the Justice Department. 
Please bring them to the table and sanction them as Rohit Chopra has for $ XXXX to stop them. 
While I transferred by title to my wife, and have agreed to simply transfer it back, they are trying to take out house and destroy our family. 
I contracted Multiple Myeloma from the XXXX XXXX attack as well as atrial fibrillation and was unable to work or find a job. This had no affact upon Ocwen, PHH or XXXX XXXX and the attorneys whom I asked, as pro se since I can not afford an attorney, to modify my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX 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 2022-12-21
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am writing to report a violation by Santander Bank in regards to the repossession of my vehicle. According to the Uniform Commercial Code ( UCC ) code, the bank is required to provide a post-sale letter to the debtor within 10 days of the sale of the repossessed property. However, in my case, I have not received such a letter from Santander Bank. 

Furthermore, the repossession of my vehicle by Santander Bank was conducted in a manner that was not commercially reasonable, in violation of section 9-627 of the UCC code XXXX Specifically, the vehicle was repossessed shortly after a car accident, when it was not possible for me to make the required payments. This conduct was not in good faith and was not consistent with the standards of fair dealing, as required by the UCC code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020- Sent communication to Equifax regarding inaccurate information/ violations on my credit report. 

XX/XX/2020- Sent communication to Equifax regarding inaccurate names, addressed, and social security number. 

XX/XX/2020- After waiting the 45 business days after initial dispute letter ( XX/XX/20 ) I sent a letter regarding their failure to respond. I included my original dispute. Requested that these accounts be deleted due to no verification. 

XX/XX/2020- Sent a factual dispute via certified mail regarding the inaccurately reporting accounts that have not been verified. I attached a screenshot requesting immediate deletion and my proof of identity. 

I have yet to receive any information regarding an investigation. When logged into the site it states that I have disputed the accounts and that is all. No verification. No Communication. No deletion. For three months. 

I have also completed multiple disputes for addresses online. I receive final reports of the dispute online saying that the addresses have been deleted and they are still visible on my credit report. Most of these reported addresses are not actual addresses at all. I have attempted to call Equifax with no results. I was placed on hold and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX  ( Finance ) XX/XX/2021, has violated my rights, by farming my information out resulting in multiple inquiry negatively impacting my credit report. 

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following Accounts have never been late and the credit bureaus are reporting inaccurate information. The accounts have been in deferred status because of still enrollment in school. Removed the late payment ACCOUNT : XXXX XXXX  XXXX ( XXXX ) THERE ARE XXXX ACCOUNTS ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act, they have 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 an 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