BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen 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 non-monetary relief
Consumer complaint received 2019-12-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I XXXX XXXX XXXX, Home Owner, spoke with XXXX XXXX, Loan Officer (  NMLS # XXXX ) with PennyMac about refinancing my home. Mr. XXXX started my loan application over the phone. During our phone conversation, I informed Mr. XXXX that I was a U.S. Veteran and would like to refinance with a zero down payment. I also requested that the monies in the Escrow account be forwarded/mailed to me at closing. This was discussed and clearly understood by both parties three times during our conversation. It was also annotated in the  Settlement Statement. 

Once Mr. XXXX obtained all my information, he forwarded me to his XXXX XXXX. Team to follow through with the refinance process. I received an email from the XXXX XXXX. Team on XX/XX/2019, informing me that the refinance had been approved. On XX/XX/2019, I received an email informing me that my closing was scheduled for XX/XX/2019, at XXXX XXXX   CST. The time was rescheduled for XXXX. XXXX 's Mortgage payment was made to XXXX on XX/XX/2019, in the amount of {$2100.00}. I was further informed that I would need to bring {$530.00} to closing which is questioned because I believed through my conversation with Mr. XXXX, I would not need any money at closing. I informed Mr. XXXX of this issue and he said he would take care of it. However, when the representative arrived at my home, I still needed the closing cost. Mr. XXXX had not done what he said. I decided to comply and not hold up the refinance. 

The documents presented to me at closing appeared to be correct so I signed them. The representative and I ensured that everything I was requesting was on the Settlement Statement. Per that statement, I was due to receive {$7500.00} from Escrow which I have not received to this date. I did receive a check for {$2100.00} which was XXXX 's mortgage payment due to the loan being closed. 

To this date, All attempts to reach Mr. XXXX concerning the Escrow balance has failed. I have made at least eight ( 8 ) attempts since closing. I have been forwarded to many different people the last being XXXX XXXX on XX/XX/2019. I was informed that Mr. XXXX was Mr. XXXX 's XXXX. Mr. XXXX informed me that the Escrow amount was applied to the loan. I informed him that I did not request that and it was never apart of my conversation with Mr. XXXX. I informed him that I would like to have that money sent to me. Instead of granting my request, Mr. XXXX asked If I would like to revert back to the original loan prior to the refinance. I answered yes. 

Thank you for considering my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX reported on my Credit report ( see Experian report attached ) and it does not belong to me. I requested a thorough fraud investigation by Experian and they changed the status of payment as " Paid '' but I want it removed from my report. Also, " Your Statement '' section is incorrect.

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 2023-01-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened a Wells Fargo Reflect credit card. On my application, I believed to have requested a balance transfer. Upon receiving the card and activating my account, there was no reference to a balance transfer being processed. I requested a balance transfer at that time. The next I logged in to setup payment details, there were two balances transfers processed along with two balance transfer fees. Therefore my credit card was nearly double over the limit and I do not understand how two balance transfers were processed. I spoke online through chat with Wells Fargo along with making a phone call. They stated they could not reverse or cancel a balance transfer after it has been processed. I therefore needed to speak with XXXX to reverse one of the balance transfer payments that was made to them. I then called and explained the situation with Wells Fargo who advised one of the balance transfer fees would be reversed after completing the payment to reverse the corresponding balance transfer that I did not want processed in the first place. Days and weeks later the balance transfer fee is still not reversed, my card is still over the limit, and continues to impact my credit score and finances.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls from XXXX XXXX to XX/XX/2019. The calls occur twice a day at XXXX and in the afternoon between XXXX. The phone calls come in on different numbers with the same area code that my cell is registered in ( XXXX ). The calls always leave a recorded message claiming " This is HRRG calling. Please return our call XXXX. HRRG is a debt collector and any information obtained will be used during that call. '' I have checked my medical bills and have no outstanding debt. I have blocked several numbers that were used for these calls. The most recent calls came through on numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I've registered my phone number on the national " do not call list '' on XX/XX/2019 and have received phone calls from HRRG since that time.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/XXXX To Whom It May Concern, I XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2021-03-03
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I originally sold a phone through ebay for XXXX which the buyer paid through paypal. Paypal contacted me and said the buyer filed a dispute with their bank and the bank sided with the buyer. Problem is XXXX  shows the item delivered and paypal shows that I was paid, which I wasn't. Now paypal is contacting me saying I owe them money for ebay listing fees since the item was sold. Paypal withdrew {$180.00} from my account ( fees for selling this item ) and I never received the money for the actual sale. Paypal website shows I was paid the {$1700.00} and that the case is close. I tried contacting Paypal and XXXX to no avail. XXXX says the phone was delivered so now I'm out of a phone and the money with no help from Paypal or XXXX. Paypal is the problem since they are the ones withholding funds for a phone that was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear, I deposited XXXX cash into the Bank of America ATM on XX/XX/2023, but the transaction only showed XXXX. I put cash into the ATM and the ATM didn't give me any receipt or give me any options after processing it as usual. There's something wrong with the ATM. I tried contacting Bank of America, I submitted a dispute, and after XXXX inquiries the bank always said they couldn't find any cash. I have videos and photos as evidence. The ATM ID is XXXX. The range is from XXXXXXXX XXXX tXXXX XXXX XXXX on XX/XX/2023. 

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 2019-12-20
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been banking with Regions Bank over 10 years and lately I have noticed they are charging NSF fees for the payments coming in although the funds come in the same date. They refuse to refund the charges which sums up over $1500. Because of the untimely overdrafts the balance keeps diminishing to cause more overdrafts. I did asked the bank to stop overpaying too avoid the charges but I am still being charged since XX/XX/2019

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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
hi Im XXXX XXXX and my XXXX is XXXX. I'm just writing to make a follow up on my disputes. Its been over 3 months since I sent you a letter but I haven't heard anything from you. according to FCRA section 611 ( a ) failure to investigate within 30 days gives a reason to remove the negative items but unfortunately, there's also no changes on my scores and I know you received my letter because it was sent via certified mail. I am reattaching my dispute letters so please take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was encouraged by Verizon  XXXX to open a Verizon credit card to save money on my bill by enrolling in autopay on my credit card. I was also promised cash back on my purchases on this card which could be applied to my verizon XXXX bill. The bank card was SYNCHRONY BANK visa phone number XXXX. They closed my account after processing over {$5000.00} in charges and payments. I found out about this closure when I went to use the card and it was declined and I called to find out why and found out they had closed the account. When I opened the account they said that I entered my banking info wrong. I corrected this and processsed two charges and one payment after this fact that were not declined. Only weeks later when I went to use the card again was I made aware that I no longer had a card. I had accumulated {$62.00} in rewards points which I was trying to redeem but I was transferred three times to different departments that ended up back on the first one with a recorded loop that would not give me any options for redeeming these points. First of all, they closed my account after they accepted charges and payments that went through just fine. Second of all, they did not alert me to the changes, I found out when my autopay did not go through and I ended up being billed {$50.00} more for that month 's charges. THird, they did not give me my bonus money back. Numerous calls to both verizon and synchrony have ended with each pointing me to the other and nobody resolving the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX was my direct service loan lender and I was told by several XXXX Representatives in XXXX to apply for the Public service loan forgiveness program. I was also told that I qualified for the Public service loan forgiveness program and once the program started forgiving loans ( XXXX XXXX ) That my loans would be forgiven. I left navient, and and all of my loans were transferred over to the public service Loan program. This has been an ongoing process sinceXX/XX/XXXX with no resolution in hand, I have been told that none of my loans qualify for Public service loan forgiveness.

I asked the Public service loan forgiveness program for audit of my loans and I have yet to receive any feedback. Please help this is been ongoing for over a year and it 's extended my payoff time from 3 years to 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
hi Im XXXX XXXX and my XXXX is XXXX. I'm just writing to make a follow up on my disputes. Its been over 3 months since I sent you a letter but I haven't heard anything from you. according to FCRA section 611 ( a ) failure to investigate within 30 days gives a reason to remove the negative items but unfortunately, there's also no changes on my scores and I know you received my letter because it was sent via certified mail. I am reattaching my dispute letters so please take action.

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 2023-10-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have requested Experian to provide me the name of the vendor/company it contacted to verify an inaccurate bankruptcy record on my credit file. Experian has refused this request which prevents me from being able to dispute the inaccurate information. Experian has caused hardship in my life as I am unable to obtain credit as result of this inaccurate record.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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 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 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, creditors have violated my rights under 15 U.S.C 1681 SEC 602 states 'I have the rights to privacy ''. 15 U.S.C 1681 SEC 604a SEC 2 " A consumer report agency can not furnish an account without my written instructions ''. Under 15 U.S.C 1666b, a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation