BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX, XXXX. 
{$6500.00} Opened XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$1000.00} Highest balance {$1000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {>= $1,000,000} Open balance XXXX XXXX   XXXX XXXX Original creditor Opened XX/XX/XXXX ( 3 yrs, 1 mos ) Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$6700.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance {$0.00} 4 collection accountsTotal balance : {$7200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX {$1700.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$170.00} 0 % paid off XXXX XXXX Original creditor : XXXX AT XXXX XXXX XXXX {$5100.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX {$52.00} 0 % paid off XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 1 public record Public records concern legal matters associated with you and are gathered from courts and government agencies. 
US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : 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
Consumer complaint received 2019-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got some credit cards from XXXX  XXXX but I couldnt pay them no more they went to collection agency which is forfolio recovery and now they call me every day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I had to refinance with Wellss Fargo Mortgage company. At the time I had a mortgage specialist assigned to me. The terms were a hardship and this was duly expressed with the loan provider. On an income of XXXX/month, Wells Fargo expected payments of XXXX for 4 months and then back to my normal payment of {$680.00}. XX/XX/XXXXthru XX/XX/XXXXpayments were made, in XX/XX/XXXX my only vehicle broke down and needed repairs. I reached out to Wells Fargo, only to find they changed my home specialist. Then I started getting statements that didnt reflect my payments posted. My specialists were changed multiple times. Wells Fargo made calls prior to XXXX XXXX  on the weekends. They also made several calls on an unlisted number. I requested a payment itemization multiple times on a recorded line and never received one. The current home specialist wrote to me and promised an answer by XX/XX/XXXX. They sent another letter stating I would have an answer by XX/XX/XXXX. Both dates have come and gone without Wells Fargo doing their due diligence. I currently have an immediate medical issue that requires a loan of {$30000.00}. Even though I have approximately {$50000.00} of equity in my home, I am being denied the funds for necessary procedures due to the disparaging credit history reported by Wells Fargo. Three FDCPA violations, failure to respond in a timely manner and denial of necessary medical care has forced me to submit this complaint and possibly seek legal recourse against this corporation. Also, they sent me an escrow refund check ... ..If Im behind on payments then why wasnt that applied to my account?

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 2022-08-10
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo has become a utility that is difficult to operate without. Venmo canceled my service after XXXX incident where a user paid me above the weekly limit for an item. Rather than reject that payment Venmo allowed it to process and then cancelled my account. Other than that I provided all the IDs and proper account info and have been a perfect member and that one transaction was completely legitimate other than it exceeded the weekly limit unbeknownst to me.

They will not reinstate my account after multiple attempts. With such a common utility they shouldnt pick and choose favorites. I have a credit score over 800, no criminal or civil record and over a XXXX dollars in the bank. Venmo is being unfair not allowing me to use this community utility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Someone who works for netspend or ace has been stealing money from me and putting money back as in if I was depositting or withdrawing money back into the account. I have filed 2 complaints with Ace about my money being took without any alerts, emails, or text messages and NOTHING has been done. If I spend my money with my card I get all of the alerts, emails, and text messages, but when someone spends my money I don't get anything that shows I spent that amount.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2017-12-28
Company: Diversified Recovery Services Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had repeated phone calls from XXXXsomething. Finally, I got sick of it and started answering just to see what they wanted. Yesterday it was XXXX, today it was XXXX. Always very noisy in the background like it 's a call center. I can make out Diversified or XXXX something, calling to collect a debt owed XXXX, not paying could go on my record, call may be recorded. Today I was able to make out that they think I owe them about {$240.00} and they wanted to know if I was going to settle the debt using a credit card or checking account routing number. 
No mention of thirty days to dispute. Both times my reply was " I have n't had an account with XXXX in about a decade. I am not paying you anything. '' and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have had this issue with experian time and time again. they keep using my current address as an old address. I can not remove or lift the freeze from my credit report when i need to because they are using information that is not mine. I can not even verify identity using their system because their system is asking me questions that do not pertain to me and it is indicating my current address as an old address. When i file a complaint, they will fix the issue temporarily and them put it right back to incorrect information. I live in XXXX, SD and not anywhere else. I would like them to use the correct information and stop with the fraud tactics. I have a fraud alert placed on my credit but the credit bureaus are committing the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was originally opened years ago, removed from my credit report and then placed back on my report this year to appear as a new account. I am not financially capable of settling this account as I have fallen on hard times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: NY
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 have a situation where XXXX XXXX is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing home depot for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate home depot 's process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

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 2019-02-11
Company: EQUIFAX, INC.
State: GA
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 have inquiry 1 inquiry from XXXX reporting to my XXXX   report and i I have 2 inquiries from XXXX reporting to my Equifax and 1 inquiry from XXXX XXXX/XXXX. i believe these company are in violation of my consumer right as i have never done business with them before. Please verify the accuracy of these data being furnished to my report and please remove them as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted capio partners collections due to receiving a email regarding a change tonmy credit report. It stated I was hit with a medical bill of XXXX from XX/XX/XXXX I contacted the collection agency right away. The first agent I spoke with they attempted contact by mail and email and was not credit reported yet. I advise the agent it was reported and that is how I found out. The number on file was never my telephone number and the address they used is a very old address from XXXX. I was never notified of the debt as the insurance is under my child father and lives in a different state so I would not receive the bills. I contacted the hospital and agency to request record of hospital documents from that day as it would have my updated correct information. If the hospital and agency would have reviewed the documents from the debt they are stating I owe. I would of been contacted and the debt would of been dissolved and would not of effected my credit report. The agency refused to place it ima. Dispute status. I had to do this my self. I want this removed immediately as I was not notified to allow the opportunity to resolve the debt. If it not removed and settled with me correctly I will file legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Blitt and Gaines, P.C.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX Contacted XXXX Reported fraudulent Web site XXXX Reported Fraudulent Business operating illegibly to XXXX XXXX XXXX Contacted Bank to dispute over XXXX in withdrawal of funds They only had a phone number - no other information XXXX Contacted Blitt and Gaines ( company is in Illinois on paperwork ) NO evidence of amount owed or proof of debt Illegally filed in Arizona which violated FDCPA laws- State and Federal laws were violated as there is no Garnishment of Bank accounts allowed XXXX Contacted XXXX XXXX XXXX XXXX, AZ Superior Court Records Dates for case dated in XXXX  do not match case number on fictitious paperwork. 
NO such Judge or Clerk residing XXXX Contacted Superior Court Records department - Discussed inconstancy with dates in comparison to Case and paperwork Materials appear to be falsely used - Garnished Bank funds including Checking and Savings accounts Violated FDCPA laws- Violated the timeframe according to the Statute of limitations is deemed to have expired. 
The debt collector attempted to sue me on a debt where the statue of limitations expired- please have this dismissed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, has done everything he possibly could to save his home. He even tried to pay the reinstatement amount with the check and Nation Star would not accept the amount of money that be took from his 401K to pay the debt to bring the loan current. 
NationStar had one amount and their attorney had another excessive amount for their fees. When XXXX XXXX called Nationstar they were not aware that the attorney refused the reinstatement bank check.While Nationstar/Mr. Cooper and their attorney not working together a sale date was set and XXXX XXXX had to file a Chapter XXXX bankruptcy to stop the sale. 

XXXX XXXX has tried so many times to save his home, Nationstar /Mr. Cooper told him they did not need any proof of income from him - but the immediately refuse to help him or deny him from any workout on his loan. They even denied the payoff that they created and sent him. 

The attorney had one payoff amount and the bank had another and the bank was looking for the payoff and asked why it was not submitted? According to the bank it was denied by their attorney without their knowledge. 

While trying to get some help the home could go into a foreclosure auction date again even though he made a payment. 

Nationstar /Mr. Cooper will not help.. 
Please help - Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
We have 3 student loans that have a balance of XXXX with Nelnet, these are simple interest loans at 7+ %. We have paid the loans and our next due is XX/XX/2020. We have set up automatic payments of XXXX each month to go to principal, as the P & I payment is not due until XX/XX/2020. Nelnet will not apply any of the payment amount to principal only interest. We should be able to direct additional payments out side of the payment schedule to principal,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: CITIBANK, N.A.
State: NJ
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 am complaining about Citi Bank. 
The Citi Bank card which never has been activated was fraudulently charged. 
The Citi Bank refused to investigate fraud and closed the card instead. 
Ruined my credit history.

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 2017-12-06
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX opened the account on XXXX XXXX, 2012 ( 4 yrs, 11 mos ago ) following my acceptance onto permanent XXXX I was told I no longer was liable for the amount through their management agency. 

Please remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received a text message regarding a refund. I immediately called customer services to inquire if this was a legitimate text. It should be noted no information regarding this refund was available for me to review in my on-line profile. Also, I have long maintained that I do not want to receive any items via the mail as I don't believe I my mail is correctly delivered. This has been my known preference on this account for several years. After several back and forth transfers between the security team and the customer service team, I was told this was a legitimate text and I should receive a letter along with a check in the next 4-6 weeks. The customer service rep was unable to provide me any information on the amount of the check or any details regarding the time table. I then looked up the information through the media and discovered the refund was in regards to Reg Z violations. I waited the appointed time and still received nothing in the mail. In early XX/XX/XXXX, I again called the service team who told me they put in a request in to have the check reissued and I should wait an addition 15 days. I called back in late XXXX and was told they could direct deposit the funds into my account. They finally informed me the amount of the refund at this point. They explained I should wait 3-5 business days. On the fifth business day, I received a letter in the mail that stated " Please be informed that we are unable to assist you with an Annual Percentage Rate ( APR ) refund check. '' It should be noted that the letter did not contain the appropriate tracking number needed by XXXX, their third party provider. I again called customer service and this time I was given a number for XXXX. XXXX informed me a letter and check was issued back in XX/XX/XXXX. They could place a stop payment on the original check and I would have to wait an additional 40 days to issue the check. I feel as though Citi purposefully engaged in unfair, deceptive and abusive behavior in regards to this settlement in hopes I would be discouraged. I believe my situation is not unusual and more than likely evidence of a pattern of behavior that was intended to discourage consumers from rightful obtaining their refunds.

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 2019-02-11
Company: ALLIANT CREDIT UNION
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a mortgage with Alliant Credit Union in XXXX, and set up automatic payments at that time. My payments were automatically deducted from my checking account on the XXXX and XXXX of the month. After almost 4 years, beginning on XX/XX/XXXX, Alliant began returning my payments, long after the payments had been pulled from my account. They debited my checking account on time every month, and then returned the following payments at a later date listed below ; XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$1100.00}, and XX/XX/XXXX for {$2200.00}, XX/XX/XXXX for {$2200.00}. 

In XX/XX/XXXX, in order to resolve past due payments caused by Alliant returning my payments incorrectly, I pulled {$15000.00} from savings and paid down on the mortgage to clean up their errors. While this prevented any foreclosure action, Alliant reported my mortgage as past due multiple times. I have filed a dispute, but there are still issues outstanding on my credit, lowering my score significantly. 

The attached file shows the debits where payments were pulled from my checking account, and the credits when they returned the money.

Company response to consumer: Closed with non-monetary relief