BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
This is my second claim against shellpoint mortgage. My first claim is closed and was unsuccessful. I had several issues with shellpoint in my prior complaint and they did respond but they didnt address how they could add over {$13000.00} to my loan during the pandemic forbearance despite a federal law protecting mortgagers from this. Under the Cares act, mortgagers were not allowed to charge fees or interest during the pandemic forbearance. Im was charged {$13000.00} for signing up for something that I was told was a penalty free helping hand. In shellpoints response, they glossed over this issue. Also, I repeatedly stated that the modified payment plan that was I was pushed into a corner to sign, was not at all what I was told I was signing. I was adamant that the only way I would do this was if there were no repercussions and I could simply add the missed payments to the end of the loan. To prove this, I asked for all my phone recordings discussing this. These would prove that I was 100 % mislead. Also, I had no choice but to sign the new payment agreement or Id lose my house. The agreement that I was told over the phone that I was signing was nothing close to what I actually signed. Again, I want shellpoint to release all of the phone conversations that I had with them during this period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX ( These have numbers where it says account name on my report and I dont understand that ) XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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 explanation
Consumer complaint received 2023-04-20
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, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, have 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 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
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to my all my credit report with out provide documentation my credit report is in good condition refuse to take it XXXX XXXX XXXXXXXX shouldn't be on my credit report I paid my self balance in full I completed it earlier change my credit score with out verification illegally operation my personal information credit report agency I am tired of them doing me like that drop my score XXXX point with investigation correct paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Paypal Holdings, Inc
State: CA
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 Sir/Madam, I am writing this complaint in regards to the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed by mistake and would like to appeal this decision. 

I would like to bring to your attention that I have not violated any of PayPal 's policies or terms of service. I have been a loyal and active customer of PayPal for several years and have always used the platform in accordance with its guidelines. Therefore, I am puzzled as to why my account has been limited. 

I am kindly requesting PayPal to re-investigate my case and restore my account if possible. I am willing to cooperate with PayPal 's investigation and provide any additional information or documentation that may be required to prove my innocence. 

I understand that PayPal takes its policies and regulations seriously, and I respect the company 's efforts to ensure the safety and security of its users. However, I believe that my account has been wrongly targeted, and I am eager to have this issue resolved as soon as possible. 

I appreciate your attention to this matter and hope to hear back from you soon with a favorable resolution to my case. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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:
Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : Unauthorized Inquiries 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. XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a loan with ally auto. I have been paying down the balance of my car every two weeks and they still repossessed my car even after I spoke with over the phone multiple times about a payment plan that they agreed on and they still repossessed my car. I have been paying every XXXX weeks. This means XXXX dollars a month and my balance has not changed and they repossessed my car. This company is a scam. I have been paying every XXXX weeks since XX/XX/XXXX and they repossessed my car in XX/XX/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 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I want to file this complaint with CAPITAL ONE. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: FIRST HORIZON BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
This company still insists, even after a complaint, on making me pay for a month 's worth of insurance from XXXX of 2023, even though I have insurance in full force now and there were no claim events in the month of XXXX. I was physically unable to get flood insurance due to the changes brought about by XXXX XXXX. I was cancelled by my old flood insurance because I filed a claim they did not pay, and the new insurance company required a 30 day period between my old policy expiring and theirs taking effect. I have performed responsibly and done all I can do, yet First Horizon insists I still have to pay them for flood insurance to cover a month already in the past. This is outrageous, and I will take them to small claims court if I have to. There are special circumstances in the state of FL that precluded me from having continuous flood coverage, but there is no harm and no foul due to the lapse as my flood coverage is fully in force now. I will not pay their extortion for this insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had a mortgage since XX/XX/XXXX initially with XXXX  XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX  XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to XXXX XXXX ( XXXX ) ; my credit report has been absent of any payments made on this account since it was transferred to XXXX XXXX XXXX. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
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 Morning to whom it may concern I am writting regarding an Complaint that I have with Transunion and XXXX. The account in question is with the creditor XXXX XXXX amount number {$600.00}. They are trying to collect a debt from me that they purchased from XXXX XXXX XXXX, who charged off the debt and collected insurance on it. I have sent dispute letters to both bureaus, and to XXXX and XXXX XXXX XXXX. The response from them came back as verified. So I sent debt validation letters requesting the " original instrument of indebtedness '' or any signatures of documents or voice recordings as proof. They were not able to furnish these request. The only thing that was sent was an account summary and amount in which they are collecting. I have attatched those 2 documents. The documents that were sent are no where near the proper ways to verify and since the 609 letters and debt validation clearly states this. To make matters even worse XXXX  has not been responding, that is a violation of my rights.They are forced to abide by the Fair Credit Reporting act and delete these adverse accounts. They are putting a strain on my credit and placing a burden on my life overall. Please delete these two accounts from my credit file

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 2023-10-03
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX, my wallet was stolen from me. I immediately reported the incident to the police and to the bank. The bank replaced my debit card. The person who stole my wallet had my account information and my debit card and have used it to purchase some items for {$250.00} from some stores. That money was credited to my account by the bank. 
However, the person who stole my wallet went to an M & T bank branch at XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and withdrew {$7000.00} from my account using a withdrawal slip by faking my signature. The date on the withdrawal slip is XXXX XXXX. 
The statement indicates that the money was withdrawn on XX/XX/2023. The bank claims that even though the fund was withdrawn on the XXXX, the date on the statement is the day it was posted. I was at the XXXX XXXX, MD branch on the XXXX, but the money was withdrawn from the XXXX XXXX. I was at the XXXX branch on the XXXX. to make a deposit but not to make a withdrawal. They showed me a camera footage of me at the casher window. No proof that I made a withdrawal on that date. Furthermore, why would a cash withdrawal take six days to be posted? It doesn't make sense. That is why this clam by the bank has to be investigated. Thank you for looking into this matter.

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 2020-09-26
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:
I had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XXXX 2020. XXXX granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a hardship plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need help!!!

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 2022-12-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I the consumer have inquires that are unauthorized and has been furnished without my consent. This is a direct violation of 15 U.S. Code 1681b ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I let both credit companies know this over the phone and they didn't complete their jobs. The credit companies are Experian, XXXX and 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 2018-09-18
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
i am having calls 24 theathing me to arrest me and pay full amout go to court XXXX me to incrint to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Incomm Holdings Inc.
State: SC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2023 I called Vanilla Gift card at XXXX to dispute a transaction for XXXX at XXXX XXXX that was charged in XXXX XXXX ( I live in XXXX XXXX ) to my gift card as a fraudulent charge, as it was not me that used that card there. I spoke with someone at Vanilla that told me my card would be on hold while the charge was looked into and it would take XXXX days. I filled out the dispute form that was e mailed to me by Vanilla. On XX/XX/XXXX I received an e mail stating they needed a copy of the gift card and the receipt showing the purchase of the gift card. I e mailed both back that day. I waited until XX/XX/XXXX to call and see what the status was and to make sure they didn't need anything further from me. I spoke with someone on XX/XX/XXXX that said I should have resolution the following week. I called the following week and was told to call back the following week. I have called almost weekly and keep getting the same answer. Call back the following week. The last two times I have asked to speak to a supervisor. They transfer the call to hold music where no one ever picks up. I have also repeatedly asked to just have the card turned back on and they tell me they can't do that because it's in " dispute ''. I've also asked to just have a new card sent minus the XXXX XXXXXXXX, at this point I don't care. Again I get told the same thing. It's in " dispute '' and they can't. It should not take 3 months to verify a XXXX charge. I didn't care about the XXXX, I only cared that someone had my card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXXcount Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 Consent

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