BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Eagle Financial Services, Inc.
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a letter in the mail today ( XX/XX/XXXX ) regarding a credit denial for a loan that I did not apply for. I called and spoke with XXXX XXXX and she stated I applied for a loan online on XX/XX/XXXX and it was incomplete. They made their credit decision based on an incomplete application. They marked the denial reason as delinquent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps harrasing me regarding a debt that was already paid for the and debited from my account. I sent in proof and responded to the letter letting them know this is not a valid debt, and the landlord was paid properly. They keep threatening to put it on my credit and I will sue them if this happens. The harassment needs to stop. Nothing is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Diversified Recovery Bureau LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Diversified Recovery Bureau, LLC calls me 2-3 times ever yday and leaves me " threatening '' voicemails stating they have my Social Security number and other sensitive information on " their desk '' and that it is imperative that I call them back immediately to resolve this matter. They never state what " this '' matter is when I call back yet demand that I give them my Social Security number and mailing address for ID verification. On  X/XX/2017   ,  XXXX   XXXX  from  Diversified called  me and once again refused to tell me for what debt and/or creditor he was calling in regards to. He demanded that I give him my Social Security number in order to verify my ID. I told  XXXX   XXXX  he could send me a letter on his companies letterhead, stating what " this '' matter was in reference to. Once I received the letter and was satisfied that it was in fact a debt that I owed currently or at one time, I would gladly call back and speak to him.  XXXX   XXXX  promptly cut me off while I was telling him this and once again demanded my Social Security number. I again told him to send me a letter in the mail stating what this phone call was in reference to.  XXXX   XXXX  at this point was got angry and sai d " Fine, t hen I 'll just mark this down as " Refusal '' and we 'll take it from there. '' I immediately asked  XXXX   XXXX  if he was " Refusing '' to send me the letter I asked for in the mail, but he had already ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX mortgage 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX mortgage 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 602 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to XXXX XXXX. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure XXXX got their payment. I let them know it would 7-10 business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.

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 2019-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. Each are to deny any request for credit or information under the name XXXX XXXX XXXX and/or any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MY WIFE WHO IS XXXX HAD HER XXXX BENEFITS STOP XX/XX/XXXX AND HAD TO RE-CERTIFY FOR BENEFITS WHICH TOOK ALMOST 1 YEAR AND CAUSED US TO DEFAULT ON OUR HOME LOAN. WE HAVE A SALE DATE OF XX/XX/XXXX PennyMac Loan Servicing has illegally foreclosed on our home pending sale date is XX/XX/XXXX. We applied for a modification XX/XX/XXXX, we were told that all documents were received and we would hear from them. Then we received letters from PennyMac showing an auction date of XX/XX/XXXX. We were horrified and saddened at the same as we were seeking help to save our home of almost 13 years. We were also under the impression that foreclosure proceeding should be suspended during the modification process. We contacted a Real Estate to list the property for sale. Comps in our area were showing sales for similar properties at $ 700,000k+ but we listed at {$680000.00} aggressively to sell ASAP and obtain a small equity to relocate. We contacted PennyMac for a payoff and was told {$610000.00}. This amount was fabricated to ensure we could not get any equity from the sale since 6 % would go to selling process.

PennyMac denied that offer and 2 additional offers. PennyMac had offered a short sale option and deed in lieu in XX/XX/XXXX. In XXXX, we dropped the price to $ XXXX, got an offer for {$640000.00} which PennyMac denied because they said the home was evaluated at {$650000.00} ... .We found this out XX/XX/XXXX last Friday and that was our last hope ... SALE DATE XX/XX/XXXX. WE CURRENTLY HAVE A VALID OFFER BUT PENNYMAC STILL WILL NOT CANCEL THE SALE ... WE NEED TIME TO SELL THE HOME. PENNYMAC USED ILLEGAL AND FRAUDULENT PRACTICES TO SELL OUR HOME. PLEASE HELP US.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 had found a FTC report more than 60 days ago addressing not only unauthorized inquiries but also increase made from me being a victim of identity theft and I was trying to obtain Credit in my name there are 11 hard inquiries that are not reporting 100 % accurately because I never gave my written consent under Section 609 it says I'm entitled to All Sorts documentation including contractual agreements with my signature to prove that it was in fact me who applied for this credit which has yet to be provided to me in the past 90 days while I've been trying to handle this and I've done it by the book between fgc reports and riding letters listing the law violations along with only asking what the law provides by them sending me contractual agreements to prove that it was me who tried to obtain credit none of this has been provided to me and it violates the fcra and I would like these inquiries deleted because they should not be on my credit report without my authorization for others to look in to my credit also violates permissible purposes since I've never said that this was okay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX UNIVERSITY XXXX XXXX XXXX ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion makes a bad habit of allowing re-insertions. They have done it to my credit report again.

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 2022-07-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Got a loan for {$13000.00} under a 0 % interest promotion from Synchrony. The promotion was represented to us as a 24 month promotion. In XXXX, after 18 months, they said we failed to pay it off within the 18 months and charged us {$5000.00}!!! Not only were the terms misrepresented to us but they also NEVER sent us account statements and NEVER even tried to notify us about thew imminent material changes to our account. We never noticed because they " encouraged '' us to set everything up for their " e-bill '' which charges your checking account directly thus negating the consumer from thinking of the account / bill and never noticing when their misrepresentations come due early. XXXX is 40 % of the original loan. THAT is loan sharking. How is that even legal?

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 2018-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was traveling in XXXX from XX/XX/2018 through XX/XX/2018. While there i used my Capital One Venture card exclusively for many purchases. I am very careful with my spending and keep a close eye on all purchases. Due to internet limitations on this trip i was not able to check my statement until returning home to the United States. When i got home i discovered 3 fraudulent charges totalling over {$3500.00}. They all had unrecognizable merchant names and said " dining ''. I have never spent over {$50.00} for a meal let alone anywhere near {$1900.00} as one of the 3 charges showed. I filed a fraudulent claim with Capital One. They removed the charges, and then over a month later i received a later stating they determined the charges were not fraudulent, and if i had any new info to contact a phone number. I called this number during business hours 8 times. Every time it went to a busy signal. No voicemail, no message, just a busy signal. So i called the general fraud line and they agreed yes it is a busy signal and they don't know why, but they will leave a note someone to contact me. At this point I noticed the charges had now re-appeared on my account. After several days i received a voicemail, and called them back the next day, this time actually getting through. I spoke with a representative and they have removed the charges again and say they are re-looking into the fraud. My main issue here is a few things ; 1 ) The  system for contacting the agent investigating your case is horrible. There should be a voicemail or at least a message of some kind, not just a busy signal. 2 ) I have not been given any proof of how they are determining that this is fraud. They say they can't read the receipt because its in XXXX, and are simply implying its all legit because the card has a chip. 3 ) Its extremely obvious that something is amiss as the address, names, and amounts of the charges are all suspicious. I will also add that the other person i was traveling with also had fraudulent charges on his card ( although it was XXXX ), and his case was immediately handled and he was not responsible for the charges. The 3 charges are for {$1900.00}, {$1000.00}, and {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I never received any notice that my insurance increased via my insurance company or mortgage company. Also, I always sent in over payments ( about $ XXXX ) to be applied to my escrow account in case my insurance or taxes increased. XXXX applied my over payment to the principal instead. I only found out my account was 30 days late due to needing information for my taxes ( on the XXXX day ). 

They said ( conversation recorded ) that they sent me messages via the XXXX. My screensaver shows no messages. They said that they left phone messages. My phone history shows no calls from XXXX. They said they emailed me, but also admitted my emails were coming back ( also recorded ). My email address has not changed in about 20 years. So, they inputted the incorrect email. 

I can show they held my {$2700.00} over payment on XXXX ( due by XXXX ), but never notified me of their {$24.00} shortage, or sent the check back. As far as I was aware, my payment went through my bank account 20 days before being late. 

Note : my other mortgage ( XXXX ) notified me of an increase, and I made the necessary changes.

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 2023-03-15
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been reported dead to the credit agency and no matter what I do I cant get it fixed. Please help 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 2021-09-10
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im XXXX XXXX and I have a bank account with td bank. I had noticed on XX/XX/2021 XXXX that my bank account was hacked thru an app called cash app. I had XXXX saved in my savings account and when I had finally noticed all my funds being gone I had called my bank right away. My bank had put a dispute claim in and they denied it and there reason was cause I had logged into my Mobil app earlier in the day so I should have noticed it. Well it was in my savings and I never look at my savings account only my checking amount. I then had filed another claim on XXXX XXXX with td bank again and had told them multiple times that I had no knowledge that these funds where being taken from my account from XXXX  XXXX. I had reached out to XXXX  XXXX  before calling my bank and they had told me only way to get my funds back was to contact my bank which is what I had done. These funds have been taking out for the matter of 1 monthXX/XX/2021s when it started and had ended XX/XX/XXXX I believe and sent to someone names XXXX XXXX XXXX XXXX. And a XXXX  XXXX. nothing is still being done about it. I had told them I will be contacting law enforcement and a lawyer to bring them to court and there still saying its my fault that my funds were taken. I do not have XXXX  XXXX  nor do I send money on any money app. I do shopping online but with certain sites so Im wondering if that has something to do with my account being leaked. Im looking for all the help I can get in order for me to get the money I worked so hard for that was stolen from me. Im XXXX  and a single mom of XXXX  children and half that money was my childrens money for school and there daily needs. Im sick of fighting with my bank and then telling me due to me loggin into my mobile app is the reason why they keep declining my claim. Its not right that someone is able to do this to someone who works so hard for everything she gets. All I want is my money back thats all. I just dont feel its right that they believe its my fault someone hacked my account and now Im left with nothing and same with my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Santander Consumer USA Holdings Inc.
State: NE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
The company pulled my credit without my authorization. The inquiry is reflecting on my  XXXX  and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Venmo froze my Venmo account without notification. When an inquiry was made ( several times ) asking Venmo for the reason for the account being frozen, Venmo said we don't know why, it's automated. 

The account was promised to be reactivated within 7 days and it is still deactivated/frozen with funds held in the account.

Company response to consumer: Closed with non-monetary relief