BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from TransUnion, XXXX  and XXXX  I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with XXXX  ( Confirmation # XXXX XXXX. As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX-XX/XX/XXXX ). This is the only amount that still shows up on each statement until XXXX.-XX/XX/XXXX ( attached statement ). The statement for XXXX-XX/XX/XXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.

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 2018-10-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 


XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC #  XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL 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 2021-11-27
Company: Bridgecrest Acceptance Corporation
State: FL
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 got a loan with this company in 2018 and my payments were gon na be around XXXX with a apr of XXXXhis was a XXXX dollar car afther I wouldve paid nearly XXXX on the car .I was unemployed due to Covid and could make the payments .The car was repossessed on XXXX XXXX .The agent stated that their was notices sent to my house in regards to this .The agent was lying because I changed my address to the correct address before they even repossessed my car .I also know the people who live at the previous address they are my cousins .I stated I want all this documentation to sent to my house in regards to this matter because I wasnt informed after the repossession about getting my belongings or anything XXXX wasnt even informed about the auction .This company charge a interest rate of XXXX when the lXXXX rate is XXXX percent.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: MD
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 have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of a authenticated original contract with my signature, specifically XXXX XXXX as the company entitled to enforce this reporting to my credit. 
Company : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file.

2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
XXXX. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a notice in the mail about a debt for a hospital bill but this is the first time i'm seeing the notice. I contact the company to see what the debt was for and why i'm receiving this letter. The first agent name XXXX XXXX I spoke with inform me that it was a hospital bill that was not paid and I advise him that me and my family have insurance it has to be an error. I advised him that i will provide the health insurance number but he refuse to take the number instead he advised me that I have to paid the debt that is owed. I do not understand why he was not accepting the insurance information. I later advise him that I will contact the hospital to provide the information but he kept refusing for me to do so. The agent advised me that he will put his supervisor on the phone he can see if he can assist with the debt. The supervisor XXXX came on the phone and just pretty much told me paid the debt or else. I told him that if i was not informed and I have insurance why do i need to pay a debt. i had XXXX  at the time. I felt like i was being pressure to pay something that my insurance cover. I was been told if not i will pay for the damaged. I do not want to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I NEED MY MONEY STILL I SENT A WIRE ON XX/XX/2021 FROM XXXX TO CITIBANK in THE AMOUNT OF {$4500.00} AND IT IS STILL FROZEN. LACK OF COMMUNICATION THE CONSUMER WAS NOT NOTIFIED UNTIL SUNDAY XX/XX/XXXX STILL INCONSITENT INFORMATION AND MONEY NOT RETURNED OR TRANSMITTED IM GOING TO SUE XXXX XXXX XXXX OF SANCTIONS INVESTIGATIONS XXXX XXXX XXXX OF COMPLIANCE AND THEIR CEO. 

EXPECT A LAWSUIT FROM THIS XXXX XXXX I SPOKE WITH XXXX THE WIRE SUPERVISOR AT CITIBANK EMPLOYEE ID XXXX AND SHE TOLD ME ON XX/XX/2021 THAT CITIBANK IS STILL WAITING ON INFORMATION FROM XXXX. XXXX XXXX ANOTHER WIRE SUPERVISOR STATED THE MONEY WAS RETURNED TO CHASE ON XX/XX/XXXX. ( THIS IS INCORRECT A LIE WHATEVER YOU CALL IT ) XXXX STATES SHE IS WAITING ON CHASE TO SEND THEM ADDITIONAL INFORMATION ALTHOUGH XXXX SAID ADDITIONAL INFORMATION WAS SENT AND ANOTHER XXXX REPRESENTATIVE FROM EXECUTIVE MANAGEMENT NAMED XXXX TOLD ME I NEEDED TO REACH OUT TO CITIBANK AND GIVE THEM THE INFORMATION THEY ARE REQUESTING BUT XXXX WIRE EMAILED ME TOLD ME THEY GAVE IT TO THEM AND CITI STATES TO ME TO ASK THEM TO SEND IT THAT THEY MUST SEND IT. 

WHAT RIGHTS DO I HAVE? NONE ITS EVIDENT IM JUST A SLAVE XXXX XXXX WHO IS HAS NO RIGHTS IN THE UNITED STATES. I SERVED THIS COUNTRY HONORABLE IN THE XXXX XXXX AND THIS IS TRUE XXXX IN ITS FINEST FORM. 

I MEAN THIS FROM THE BOTTOM OF MY HEART CITIBANK XXXX 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 2020-10-13
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
After opening an account with paypal to process invoices for a new business -- selling gemstones online -- paypal allowed my activity for approximately one month without issue. All requested documents and information was provided to paypal as part of the account opening process and all invoices were tagged with corresponding tracking numbers for shipments to customers. Paypal routinely holds funds until shipments are marked as delivered. 

This was not a problem, until approximately one month later on Saturday XXXX XXXX 2020 Paypal notified me that I can now longer do business with the them, and the notice specified that funds within paypal will be held for up to 180 days. The amount held by paypal is {$5200.00} The shutdown came with no reason as to why the account was restricted, and no attempt to contact me or remedy the situation. 

In an attempt to resolve the dispute, I proactively called and emailed paypal multiple times offering whatever information they felt they needed to remedy the situation but all emails went unanswered and phone calls led to no further information or assistance. 

The funds being held by paypal represent the majority of the brand new businesses assets, and essentially have forced a brand new business to fail within weeks of beginning with no reason given and no attempt to work with me to resolve any perceived risk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 contacted Transunion about multiple inquiries on my credit report that I did not authorize. 
I contacted them on XX/XX/20 and spoke to a very RUDE and unprofessional employee named XXXX. He refused to remove the inquiries and told me that i needed a police report. I told him that they were unauthorized and that I was not doing business with these companies, which he still refused. This happened at XXXX on XX/XX/20. 
On XX/XX/20 I reached out to Factual data and XXXX was able to file a dispute on her end with the credit agencies, but told me she was not E-mortgage managment she was just a third party client.Please help me to remove these items from my credit report, they are not recognized at all and are negatively affecting me during COVID19. I am an essential worker and a XXXX  whom should spend my time saving lives and not arguing over the phone with credit bureaus. Thank you for your time 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 2018-07-16
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The following were disputed and PNC won't reverse this also caused four fees of XXXX dollars for nsf which should have never happened. XXXX was withdrawn which I disputed they provisional credited XXXX they owe me XXXX plus XXXX in fees as follows On XX/XX/XXXX XXXX and XXXX on XX/XX/XXXX XXXX   XXXX and XXXX XX/XX/XXXX XXXX and XXXX   XX/XX/XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX.  I've disputed with the company some are duplicate charges some were cancelled some didn't download I've removed all PNC cards from this company so they can not longer access our account. I want the money returned immediately or I will pursue further. All contact must be in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: ALLIANT CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX, an Alliant Banking representative by the name of XXXX XXXX sent an UNSECURED email with all of my PII information included to me, when she was simply supposed to send proof that travel alerts were put on my account. I never expected to get my full SSN in the email. My info was breach and I am afraid that my identity could stolen or worse. The link below contains the email XXXX sent to me and I have covered all of the PII for security reasons. The card number that you can see has been closed. Please see below. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Affiliated Acceptance Corporation
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The billing company for XXXX XXXX XXXX known as AAC has refused to close a membership account despite being given both a written 30 day notice and a verbal notice. I called to first give verbal notice that my account needed to be cancelled as I have been put on bed rest due to pre term labor. I was then informed a verbal notice was not enough and told to respond to an email to give "written" notice. I did as requested and was under the impression my account had been terminated . Now through a number of harassing emails I am being told I am to pay an additional $XXXX  fee for services that I have not received after the discontinuation date of my membership. I have informed them I will not pay for services not rendered and they have continued to threaten me through email with additional fees for non payment on a CANCELLED memberhsip.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage account is in forbearance under the CARES Act effective XX/XX/2020 to XX/XX/2020 or for three ( 3 ) months. Hence, I did send a payment on XX/XX/2020. 

However, about the middle of XXXX I requested for a pay-off quote which I received, in writing, on XX/XX/XXXX with a good through date of XX/XX/2020. 

On XX/XX/2020, at a banking institution ( branch ) in XXXX, IL, with the assistance of a teller and their manager, the amount of {$140000.00} was transferred.moved from my personal checking account ending in XXXX to my mortgage account ending in XXXX. 

The amount transferred was the exact same amount as the one in the pay-off quote. 

Monday to Thursday, XX/XX/XXXX to XX/XX/XXXX I kept calling BofA customer Service. I was transferred multiple times from Customer Service to Mortgage to Collections and back. And the wait times were horrible to the point that it would sometimes reach an hour. For a conglomerate such a BofA I find this as unacceptable. You do not value your customers ' time. Furthermore, whenever I do talk to a live person nobody could assist me as to what is going on. 

My mortgage accounts is till showing a balance and everything is on hold. Release of lien,  forwarding to the recorder 's office, title, etc. It is as if the whole process stopped and nobody in BofA could or would resolve the situation. 

My contact phone # is 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 monetary relief
Consumer complaint received 2020-02-22
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Base on previous complint against the debt collector on XX/XX/2019. cfpb case No. XXXX. The Original Creditor XXXX XXXX  had issue a letter to me indicading that I do not owe this debt and will notify the Law Office of Harris and Zide and creditor XXXX XXXX XXXX, XXXX, to stop harrasing me in this matter. Apparently, I am still getting letter and phone calls day and night from the attorney 's office ( Harris and Zide ) and XXXX XXXX XXXX, XXXX. Please stop them from giving me miserys which it has been many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 


XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry :XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry :XX/XX/XXXX National Credit Cards/Airlines  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC #  XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My unemployment is direct deposited to my American Express Bluebird account. I went to check my balance last night ( XX/XX/2020 ) and couldn't login. I then called the number on the back of the card ; the pre-recording in turn says an email has been sent to the email address on file. I check my email to find that Bluebird has permanently suspended my account. I had no warning or anything. The problem now is where did my unemployment money go and the money I still had in my account. I am furious! I've since changed my unemployment direct deposit on XX/XX/2020 but it wont take affect for a couple of weeks. So I am now losing my only means of survival. Please help me get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: NCB Management Services Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

This company is erroneously reporting information to the three credit bureaus ( XXXX, XXXX, XXXX ) and I need this damaging information removed, or I will have to resort to litigation for damages.

Company response to consumer: Closed with explanation