BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion failed to remove all hard inquires that were inaccurate/do not belong to me due to fraudulence ; violating FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} USD ) or imprisoned not more than one year, or both. Also claiming that all inquires are accurate and will remain on my account for no more than 2 years and stated that its required to have a police report and refused to investigate the matter ; For Transunion 's claims on inquiries being accurate without evidence they are in violation of Title 18 U.S Code Section 287. Also, the Affidavits of deletion and removal, that I had notarized and are in their database on file, inquiries that I demand to be deleted/removed are listed below as well as listed in the affidavit. 

Transunion Hard Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I had a capital one credit card and I never received the statement and they report me for late payment I owed {$1.00} I called them in XX/XX/XXXX they told me to write a letter asking them to removed the late payment 45 days later I had to called them because I never was notified that my request was denied I ecplyaned them that because coronavirus maybb be e the stamens was lost and they did not care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a call from a company claiming to be called XXXX XXXX from phone number XXXX. The call came in around XXXX. They called my spouse then my cell phone. When I answered they immediately asked how I was related to my spouse. I said who is this? He said he was with a company investigating a case of fraud and theft. I said from who? He said the state of Oregon. They said it was for theft of goods and services. I said who do you represent and then he finally said a payday loan company Ace Cash Express. I said oh ok well I need to let you know that I am in OR and you are calling way too early. He said he was not bound by any collection laws such as FDCPA. I told him I need to advise you I have an attorney that is hired to file bankruptcy and you need to contact him as Ace is named in our bankruptcy. He said it isn't filed yet. I told him that is all I have to tell you please contact my atty. He said well I am going to come to your house and you will be served any licenses you have will be terminated. So I hung up. He immediately called back with a blocked number and said they were on the way to our house and the he contacted the atty and he will not back me with this. I hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was transferring some fund from my checking account to XXXX pay and PNC did not allow me to do so even after I was asked to sign in my account with a two step verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a payment on my account on XX/XX/XXXX via online account - payment has cleared my bank account. Here it is on XX/XX/XXXX and is still not reflected int my available balance. 

Target states that because I choose to make additional payments throughout the month or larger then minimal balance amount ... they need to wait until they get confirmation from my bank. They can not give me a date that it will be reflected in my available balance. 

Payment is made from the same bank account it has been paid from since I opened the account in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 7 months from my written request I still have not received any responses.

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 2020-12-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company ( Lakeview Loan Servicing ) has held my refund for over 2 months!!! They keep telling me that I will be receiving my check " next week '' and it has been two months later.

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 2020-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Due to coronavirus I am currently receiving unemployment. In around XXXX or XXXX I submitted a claim for fraudulent activity from information I received from the banks automated services. I wasnt able to go online to check my account until XXXX when I noticed there were several other trans actions and inquiry in my account that were suspicious. I have since added these inquiries to the claims I already have in process with bank of America. at this time I am filing a police report in order to help bank of America with there investigation to resolve this issue and in hope of prosecuting the person / persons involved. if you have any questions or need any other information from me feel free to contact me at XXXX, XXXX XXXX XXXX XXXX, here are the issues at hand, here are the claims I have open with bank of America & there claim # s/ # XXXX # XXXX, # XXXX, and the trans actions that took place that wasn't me. a withdrawal of {$100.00} to XXXX  XXXX XXXX  forward XXXX XXXX XXXX, XXXX. A purchase of {$69.00} at XXXX XXXX XXXX { same as above address } for a total of {$170.00}. next claim # for card # XXXX # XXXX XX/XX/20 XXXX XXXX in XXXX  XXXX, ca . with draw of {$1000.00}. on XX/XX/20 a with draw of $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, ca. for a total of {$1700.00} claim # XXXX card # XXXX. XX/XX/20 inquiry in XXXX XXXX, wa. XX/XX/20. with draw of {$100.00}. at bank of America XXXX XXXX Wa. ATM. XX/XX/20 inquiry XXXX XXXX wa. XX/XX/20. with raw {$200.00}. at XXXX XXXX XXXX wa. on XX/XX/20 bank of America inquiry XXXX XXXX XXXX, XXXX, wa. on XX/XX/20, bank of XXXX with draw of {$460.00} from XXXX  XXXX  XXXX , XXXX wa . XX/XX/20 in XXXX XXXX XXXX atm XXXX XXXX XXXX , XXXX  XXXX , new York XXXX. XXXX. with draw of {$41.00}. from XXXX XXXX XXXX. XXXX XXXX, new York. XXXX. XX/XX/20 inquiry from XXXX XXXX, new York. on XX/XX/20 with draw of {$90.00}. from .bank of America XXXX XXXX new York . XX/XX/20 a bank of America atm inquiry. from XXXX XXXX new York. of a total on this card is {$890.00}. total of all caims is {$2700.00}. imsorry that this is a lot to cover but I would greatly appricate if you could please help me to get my money back. any questions please don't hesitate to call me at XXXX my address is XXXX XXXX  XXXX , XXXX , ca. XXXX. XXXX XXXX XXXX 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 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had filed a dispute with Bank of America, who is responsible in distributing my funds from unemployment. Someone withdrew {$800.00} from my account XX/XX/XXXX of last year, I had filed a dispute and it was ultimately approved and was deemed permanent in XXXX. On XX/XX/XXXX, Bank of America froze my account putting the blame on XXXX, which was entirely false. When they froze my account the original claim that was permanent was taken back from me and I received a letter in the mail saying that because of the account being froze the claim was closed and the credit will be taken back. I have been back and forth with them for months over this issue, and once again they had frozen my prepaid account in XXXX and just now reopened it over the weekend. They have not resolved my dispute and I just now had to refile the same claim for reconsideration that I have been fighting for months. I would like assistance in this matter because they are taking advantage of me and making me run around in circles.

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 2020-12-10
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX : Freedom Mortgage, at XXXX XXXX XXXX, XXXX, SC XXXX Freedom Mortgage is currently my loan servicer on my primary residence. All of my payments to Freedom Mortgage per my monthly agreement have been made on time since inception of the loan. In that agreement they collect monthly money from me in an escrow account to pay my insurance company directly for Hazard/Home insurance. Freedom Mortgage is failing to make payment to my insurance company to cover my primary residence with insurance, which was due on XX/XX/XXXX. In talking to Freedom Mortgage they stated that they could not pay my insurance to the insurance company, XXXX XXXX, because of non-response from XXXX XXXX. They stated to have contacted XXXX XXXX on XX/XX/XXXX and XXXX of XXXX. I have paid my insurance separately XXXX XX/XX/XXXX XXXX, on my own accord, to keep current with insurance. Freedom Mortgage continues to collect escrow money for insurance when I have informed them to not, since they are not paying the insurance company as agreed upon in our mortgage agreement. Their service representatives have given me multiple different explanations that do not match up. On the same day, XX/XX/XXXX, they stated that nothing was paid to XXXX XXXX in the form of insurance payment, and then 10 minutes later with another representative they reported to me that overnight payment was just sent. Freedom Mortgage has not been honest or keeping to the mortgage agreement in their payments or operations regarding insurance payment for my home.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-10
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX am writing you in regards to the Mr. Cooper settlement I was told by the Atty Generals Office to contact you Identifying myself as a claimant I Have been dealing with this company regarding the modification forced upon me. They first approved a forbearance where I had to pay half my mortgage for six months which I did all on time I have never ever fallen behind on payments my reason for the forbearance was due to illness. I later learned they could have asked for the difference to keep me on track what they did to me was force me into a 40 year mortgage which during the XXXX Modifications should have lowered my interest which never happen and they also gave me a 40 year loan when I could of paid {$3000.00} to put the account up to date when I tried to get this looked into they only told me to make an additional payments every year to try and catch up. This is not right I just learned about the settlement from the Attorney Generals office my understanding is That the settlement is approximately awarding about {$1500.00} to each borrower that is a disgrace. I have worked till the day I got sick a single mother trying to get by. When diagnosed I received the meds that would get me through at least work part time also preparing for a child entering college the 21 years I have had this home never have I missed a payment they would call and harass if I went into my grace period charging me if I paid it on the last day when I knew I had to pass that date to be late. I don't know if you make any decisions or if I need more explanations but shouldn't they go back and correct the math on the money they have stolen from us the customers and put our accts with a credit if not paid off or do they get away with it I paid {$130000.00} in ten years I do need the exact date to be correct on how long this was. I have suffered cried for months and stressed this for years. Thank you for your attention, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, an individual hacked the account of a close friend, requesting money from several individuals. Unfortunately, this hacker used Cash-app as a service. Cash-app claims that it can not do anything about the issue, even though their platform was used for fraudulent/scamming activity. This account has stolen over {$1000.00} from individuals. Cash-App refuses to do anything about the situation or even protect against it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with XXXX XXXX XXXX Bank ( XXXX XXXX XXXX ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. XXXX XXXX XXXX was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) XXXX XXXX XXXX started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX  XXXX and have not yet received a response as to a decision ( 90 days since reporting ) XXXX XXXX XXXX has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a alert on yesterday XXXX from XXXX XXXX that a hard inquiry had been placed on my report. Mind you I went no where and signed nothing to have my credit pulled on yesterday. This is fraud and I want it removed from all major credit reports XXXX, XXXX, and XXXX should not show anything being posted to my credit report for XX/XX/2021. I want to file charges on whomever was allowed to do use my credit as it took me a long time to rebuild my credit and I will not allowing anyone to get away with this. This is a serious matter and I want it to be taken as a serious matter or I will contact a lawyer and sue. I am really XXXX about this the fact that someone can use your credit without your permission or consent is totally unacceptable. This is not a game this is my credit that I take seriously since it has taken me almost Five years to rebuild and for someone to be playing these types of games I want to prosecute them to the fullest extent of the law. I don't want any excuses only answer and ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a dispute letter with the credit reporting agencies in regards to inaccurate information 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. I sent the first letter on XX/XX/2020 and the 30 day follow up letter on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX not mine US DEP ED XXXX not mine XXXX XXXX XXXX XXXX not mine

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