BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Bread Financial Holdings, Inc.
State: CO
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:
On XX/XX/2022, Comenity Bank ( XXXX XXXX ) debited my checking account twice for the same monthly payment in full of {$3400.00},. XXXX payment paid off my bill in its entirety. The second payment brought my balance to a negative of XXXX. When I contacted them to say this was error or fraudulent, they told me they would reverse the double payment, but then they never did. They received both payments and acknowledged that was the case, but they have no idea of how that happened. Then they said it would take more than 60 days to get my money back. This is unacceptable that their payment system would double the payments in this way. I am requesting an investigation of their payment systems and an immediate reversal of my payment. Each day I called in, they said they would reverse the payment, but that is not happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Credit Systems placed a collection on my credit report without ever sending any notice of collection or verifying the debt. To date, I have never received any communication from this company in reference to this alleged debt. Southwest Credit has clearly violated the Fair Debt Collection Practice Act, which allows a consumer 30 days to dispute the debt. This was not provided prior to placing negative marks on my credit report. This is my attempt to resolve this matter prior to filing a civil action. I have also filed a complaint with the XXXX XXXX  in an attempt to resolve this matter prior to obtaining legal counsel to pursue a civil action for damage caused to my credit score without ever communicating with the alleged debtor. 

The amount in question is {$140.00}. I don't have much more information to provide since the company has made no contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage company sent out three different payment for my flood insurance which made my escrow went up dramatically for the past XXXX months. I am trying to solve this issue and no one can not help me. Everyone is giving me the push wrong. My mortgage is going up {XXXX almost every month and I do not know what to do, I spent hours on the phone every week trying to solve this and no one is helping me. I am not getting anywhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019, I was scammed by an individual named XXXX XXXX on Venmo. I contacted Venmo about the scam and requested that they investigate. Venmo stated that they do not have any protections for people that pay for services via its app. I sent Venmo a screenshot of its User Agreement, which stated that if a person receives payment from an unauthorized servicer, they will refund the money and investigate, but Venmo is refusing to investigate. I believe if Venmo is going to handle funds of its users, it should have protections available. 

I even disconnected my debit account from Venmo prior to the funds being drawn, but Venmo still took the funds from my checking account. The total amount removed from my account was {$640.00}, XXXX refunded me only {$200.00}, but I am still missing the remaining balance. 

Venmo needs to establish consumer protections, issue a refund, and establish repercussions for individuals that operate an unauthorized business from its payment system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX- I wired {$7500.00} to my husband 's Coinbase account from our mutual bank account. 
XX/XX/XXXX- Coinbase rejects the wire. 
The money is gone from my bank account and not in my Coinbase account. 
Coinbase emails XX/XX/XXXX stating rejected wires take 2-5 business days or longer. 
After 5 business days I contact my bank to obtain the money from Coinbase. XXXX states it will take 2-10 business days to get the money back. 
XX/XX/XXXX XXXX states Coinbase has not responded to the wire recall request. 
All email attempts are met with a response from Coinbase stating they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 am filing this complaint to TRANSUNION there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. I have also attached my FTC report with the report number 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 2019-11-15
Company: Critical Resolution Mediation LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Critical Resolution Mediation, LLC in XXXX, GA. 

This company has repeatedly called me at work to collect a debt not owed by me but probably owed by an individual with the same name and date of birth in another state. I am aware of this individual due to similar actions by other companies trying to collect debt from me. Sometimes they've paired the debt with my SSN somehow. In this case, they do have my last -4. This particular " debt '' has actually been passed around several companies in the XXXX area. 

The company also threatens to have me arrested over it. They call me at work, and are rude on the phone. Additionally, they have said the debt has no activity since 2010, which is beyond the statute of limitations in Arkansas ( where I live ). They have disagreed/lied about this when informed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
A fraudulent account appears on my credit that I do not recognize. The account is : US BANKRUPTCY COURT 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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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 has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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 Acct # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
Greetings, it has came to my attention that some inquiries were placed on my credit report without my consent and this violated my consumer rights according to the fair credit reporting.The following inquiries are not authorized by me nor do I have anything to do with them.please kindly remove XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX  XX/XX/ XXXX XXXX XXXX XX/XX/ XXXXXXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXXXXXX XXXX ( finance ) XX/XX/ XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 2023

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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 Reference # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 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 2022-12-10
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________________________ Dear Consumer Financial Protection Bureau, I am in search of housing and need a credit score. The above mentioned are interested parties. I am unable to pay for a credit score, as I do not seem [ yet ] eligible for a bank account. I was furloughed and have not yet been able to make it back to my office. 

Thank you, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  Account Number : [ XXXX Reason : [ NEED THIS INFORMATION REMOVED FROM PROFILE & LATE PAYMENT HISTORY ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ 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 2022-01-25
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My XXXX XXXX was bplagued with multiple recalls. An unsafe vehicle. There was problems and recalls on the brake system and structure. I paid off the loan even though I was plagued with constant car repairs. The acronym for XXXX. Found on XXXX XXXX XXXX describes all the problems that I with this mini van. After I paid off the car loan, my employment was garnished. I went to court, did an Order to Show Cause and proved that I paid the vehicle off. A few years later, my employment was garnished again. I went to court and proved that I paid off the car loan, that my previous employment was wrongly and unlawfully garnished. The law firm waited7 years, after I shredded the court paperwork and I am being garnished a 3rd time. The balance of the loan was under {$900.00}. I am being garnished for {$31000.00} for a vehicle that I never enjoyed, had multiple recalls and was unsafe to drive. 

I complained that this is credit fraud, identity theft and consumer fraud and theft of my social security. 

I've been sick and I am unable to keep going to court to fight this fraudulent illegal claim that I owe {$31000.00} for a minivan that I should have been reimbursed for purchasing. How can I owe {$31000.00} on a $ XXXX and every few years the law firm takes me to court garnishes my pay and never return the moeny that they have stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: DE
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB Complaint for the 2nd time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. Equifax has kept these fraudulent inquires on my file, even though I contacted Equifax and stated that these accounts are linked to identity theft. My previous complaint and most recent # is ( XXXX ). Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and attempted to get this matter corrected, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. These inquires are 1.XXXX XXXX XXXX, 2. XXXX XXXX 3.XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX - 7. XXXX, 8. XXXX. Attached to this complaint here today is my Identity Theft report from the FTC in relation to thesed fraudulent accounts. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family as the woman of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on 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 non-monetary relief
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$460.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

XXXX XXXX XXXX Balance {$460.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted specialized loan servicing who handles my loan and ask them if they could roll one payment over to the end of the loan so I could keep up with payments. They said that would be fine then they asked if I would like a forbearance during covid until things got better, I agreed and thought it was a great option because they said that I could eventually roll the payments back to the end of the loan and start over when forbearance ended and covid was over. Unfortunately covid continued and so did the forbearance, Every time we extended the forbearance I explained to them that I wanted to make sure I could pay the payments at the end of the loan and roll them over They said it wouldn't be a problem and kept extending the forebearance. Now that I wan na go back to work in XXXX I said I wanted to end the forbearance and start paying payments.. Now they're telling me they won't roll them over to the end of the loan and want me to do a short sale.. This was not our original agreement and and they wont change there terms with a refinance or just roll them over.. I didn't do this to get kicked out of my house at the end of the covid lock down right when I'm about to go back to work. I will be contacting A mortgage attorney to address this issue If they will not rectify this problem or let 's call it miscommunication..

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