BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I signed up to TransUnion thinking I was signing up for an account to see my free credit report. At no time did it say you are being charged for or you have selected this product and will be billed this amount. I thought I had to enter credit card information in case you did decide to buy one of their products. I signed on and then was sent an email saying that I was charged {$24.00} plus tax for one of their products. They are tricking people into a {$27.00} fee. Yes, I was able to cancel the subscription that I never wanted but still had to pay the first MONTH fee.

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 2020-10-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
i payed 30 % of my debt with Citibank credit cards and in return the decreased my limit within one day of my payment and the consequences of that will hurt my credit score even more.

the have already reported me for having used up my credit limit to 90 % and now when I bring it down to 60 % the decrease my credit limit.

that is total abuse of human kind. 
i will fight this tooth and nail!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by PennyMac. After buying my mortgage, they sent a letter threatening to buy force-placed homeowner 's insurance given that my coverage was not enough under the terms of my mortgage/deed of trust. They did not provide any evidence to support this claim - I met all requirements from my original lender and PennyMac bought my mortgage from that lender within a month of me receiving that loan. PennyMac is making it exceedingly difficult to talk to someone about this. They have no email where I can contact them, only a fax. The phone number they provide has a recording that makes it impossible to talk to someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting 4 BK accounts that were dismissed and filed in error. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

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 2020-05-07
Company: EQUIFAX, INC.
State: AR
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 recently received a letter from XXXX XXXX  XXXX XXXX of accusing me of using a credit repair company company after disputing fraudulent accounts reporting on my credit file. XXXX also sent a letter in regards to my dispute that they will not honor my request due to it being made in error. XXXX  has received several pieces of supporting documentation which included an identity theft report which is considered a government agency report. XXXXEquifax has also denied or refused to honor my identity theft report from the federal trade commission which included several fraudulent accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX/Equifax/XXXX also has failed to update my personal information which still displays several inaccurate addresses I were never associated with. I find this response from XXXX/XXXX unethical and straight biased considering the lack of proof they have supporting their claim. XXXX/Equifax/XXXX has not provided accurate verification, blocked, or adhered to any of the laws governing the Fair Credit Reporting Act. This is unacceptable and XXXX Equifax/XXXX Should be held liable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hello, and how are you? There is no way that these companies investigated this insurance or utility collection on my credit report. The same information continues to report on my credit. I honestly don't believe I owed this or original company any money and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last original company. How is that possible? For example, Each bureau reports that I was late on different dates, each bureau reports different balance, inconsistent with open dates. I thought a collection account is by default late or past due and it can not be reported as such. It's actually illegally re-aging the account and that's a simple violation itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 is not removing accounts that should be removed from my report that are inaccurate from 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 2019-09-18
Company: Experian Information Solutions Inc.
State: IN
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 ; Experian and XXXX  are incorrectly reporting a collection in the amount of {$9100.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This student loan account does not belong to me. There are two separate applicants named on this form, along with their signatures. ( Please see document attached. ) I am named only as a Student, not as an applicant. I did not receive any sums of money from this loan. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Subject : Opened two accounts ( One checking and One Saving without my knowledge ). 
On date XX/XX/2021 - I received welcome email from Wells Fargo regarding two accounts opened on my name. I called them immediately and reported fraud. They have done investigation and informed me that it was fraud as someone opened account online behalf of me. Personally I figured out that there was no inquiry to credit bureau and there was no any inquiry on my credit check. I called multiple times bank and requested information but they didn't provide satisfactory information and closed the case. After receiving letter that case has been closed, I called them and they said, it was online fraud and you are protected. I would like to know details regarding case because I am doubt that these both accounts opened by Wells Fargo only without my knowledge. Below are the details may required : Wells Fargo - ( Fraud Case no : XXXX ). 
Two accounts opened below - ( 1 ) XXXX XXXX  account - XXXX ( 2 ) XXXX account - 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 2021-03-25
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: JPMORGAN CHASE & CO.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a personal checking account with Chase bank. I have been in the XXXX for over 3 weeks and have been using my debit card without issues until I tried to make a {$1000.00} purchase. I did this while on the phone with a Chase representative who assured me that I have a {$5000.00} a day withdrawal limit. The transaction was declined multiple times. Following this I got an email about fraud on my account. After spending over 2 hours cumulatively on the phone and having my issue escalated I was told the only recourse is to show up to a physical branch with a photo ID ( not possible in a foreign country ) or call a banker whom I have a relationship with ( havent been in a branch in over a decade and do not have a dedicated banker as Im not a private banking client ) and have them vouch for me. I need access to my money but Chase refuses to independently of these two options verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: TX
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 loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/XXXX. I  received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from XXXX that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to XXXX. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: LoanCare, LLC
State: UT
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:
Loancare is reporting an erroneous late on my credit file and it must be removed. Back in XXXX I received a letter from Loancare that my mortgage was being transferred to XXXX to be serviced. I made XXXX payment with Loancare and they closed the account and were supposed to transfer all the account information to XXXX. On XX/XX/XXXX I got a call from XXXX that my mortgage payment was past due. I let them know that I had made the payment with Loancare but XXXX notified me that they had not received any of that information. To be safe, I ended up making XXXX payment again with XXXX and decided to pay XXXX payment as well to avoid any mistakes. I thought the account was taken care of and closed successfully. However, I recently checked my credit and noticed that Loancare is reporting a late for the month of XXXX?! This account was closed and is being serviced by another company that they chose to do! Loancare has not been handling this well and even made me make XXXX payment again because of their incompetence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a text message from my brother, I'm copying and pasting it here. Someone called me to see if you were available to sign some legal documents. They said they were a courier and couldn't tell me more than that. Their telephone number is XXXX. Case number XXXX. I called and was told that they were XXXX a debt collection agency. He told me that they were going to garnish my wages if I didn't pay {$3000.00} for an old HSBC credit card from XXXX. I didn't trust the man on the phone so I started asking questions and he got angry started yelling my ss # and old address and said that he'll tell them that I want to go to court and then hung up. Ive read online and was told by XXXX XXXX XXXX XXXX that it's a scam. HSBC should be liable, sued and fined for allowing scammers to get access to people 's social security number. It's a breach of security and trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am a XXXX / XXXX  based in XXXX and started working with Paypal as a XXXX option for the money sending/receiving from my respective clients. 3 Months ago, Paypal has blocked my account permanently by holding the balance of XXXX XXXX. I am now waiting for 90 days for the money that belongs to me and this XXXX XXXX XXXX is holding XXXX from XXXX XXXX without any authority. 

I am really not in the favor of using this XXXX XXXX XXXX, and XXXX services as a reseller in the future, All I need your support for withdrawing the money from Paypal. 

I have tried reaching them, 2 hours on the Long hold on interaction XXXX number and over the XXXX XXXX feature but none of the time I have received a positive response. It seems like this XXXX XXXX is trying to attempt illegal authorization on my Money. 

My registered Paypal XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert from XXXX XXXX on XX/XX/XXXX about a Collections account in the amount of {$1400.00}. The creditor is XXXX XXXX. Collection company is The XXXX XXXX XXXX L. I used to live at XXXX " XXXX Drive from XXXX. In XXXX XXXX, XXXX was contacted via mail and email to cancel the account. I did not receive a response or a bill from XXXX to XXXX. When I moved from that location all mail was forwarded to my P.O. Box. I never received any collections or bill pertaining to my account. My email is still the same. My original account was through XXXX. I received an alert from XXXX XXXX today XX/XX/XXXX stating that I paid {$1.00}, in which I didn't. Please look into this. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: KEYCORP
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I make a couple of online purchases with my key2benefits card and then tried to go to the store and it would not work. After this i tried to call to obtain information on why i couldnt access my money anymore the automated system said my card was in an invalid status not directly telling me why it went into an invalid status. I tried to get in contact with a representative multiple times Ive stayed on hold for hours until the music would just die out and no agent would ever pick up the phone. So i have {$1300.00} stuck on my key2benefits prepaid card and no way to contact anyone about getting it off. I called the unemployment customer care number and they tried to help and also give them a call but they Said they received no answer as well and that they had no way of getting it resolved. They also wont let me update my information on there i had a number change and they might have reached out to that but i wouldnt know

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In or around XX/XX/XXXX purchase a property for XXXX. 

violation of TILA and RESPA Forensic Audit CFPA violation Any and all XXXX transaction XX/XX/XXXX-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 explanation