BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
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:
XXXX XXXX XXXX # XXXX credit reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted.

This agency is in violation of 15 USC 1692g. This is an official dispute of this account.

I demand the above account deleted from my consumer report. 


IVE ENCLOSED DOCUMENTS FROM THE TRANSUNION WEBSITE This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
UNKNOWN InquirieS XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX/XXXX Date Filed XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX OF NEW Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX 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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2019-12-01
Company: Grant Mercantile Agency
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a small debt of {$50.00} for a medical co pay for an ambulance transfer. The debt was paid to the company and the check was cashed. I received a collection letter from a collection agency stating that I owed {$53.00}. Not only was the debt paid, the company had no right to charge another {$3.00}. I find this practice unfair, deceptive and predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: Paypal Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
A previous transaction was made to purchase equipment I owned.SO after the equipment was sold to the man outside. They sent another request to PayPal for a refund on something they used. SO course I never answered to this request. PayPal on the other hand took it as a serious request and would never take it off my account, and one day it did. Now I am receiving collection calls for something that Is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a 100 % XXXX veteran who went to my XXXX to get an tax exemption which went through. The XXXX back paid me {$10000.00}. This was back paid for all taxes I paid from the years of XXXX to XXXX. The county tax lady told me due to some problems with the check and a ex wife on the deed, that she could mail the check to Rushmore Loan Management Services and that they could not legally keep that money past 30 days. Here we are now going on two months. I am also behind on my mortgage and was expecting this money to help with several financial issues. I been calling in and calling in and all I get is lie after lie. People telling me they sent the money or that they sent the money to the title company, however when I ask for the title companies name and information they don't know what it is. 
I just want my money, and the last call I made to them made it known that they were keeping the money because I have six accounts and I have no clue what that even means. All this time over the past 2 months they been telling me its on the way. I am at my end with this company. I don't know who to even turn too. I just want what is mine. Rushmore Loan Management Services LLC. 
XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Crow Creek Sioux Tribe
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for the personal loan on XX/XX/XXXX to XXXX in the amount of {$900.00}. I was lead to believe that I would be able to pay off early without penalty meaning if I paid it in the first month it would be paid in full. No interest or fees charged. 
The paperwork that I received gave me an interest rate of 767.26 %. I did not understand what this meant until I spoke with family. 
There was no clear information or an explanation of detail from river valley loans. 
I called them today, XX/XX/XXXX and requested a payoff. They only gave a verbal quote of {$1000.00}. I have made one payment of {$240.00}. this loan of {$900.00} cost me {$420.00} for two weeks. This should be against the law and I hope that this type of predatory lending can be stopped. 
I am attaching the loan agreement for reference. 
People who have XXXX are targeted and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Paypal Holdings, Inc
State: IN
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 XXXX XXXX 2017XXXX a person bought merchandise from me through PayPal. The buyer used a credit card on PayPal and made four {$XXXX} transactions and a {$XXXX} transaction. I shipped the items he purchased and submitted the tracking numbers to PayPal. After receiving the items, the buyer attempted to scam myself and filed several disputes with PayPal on the transactions. PayPal started deciding against the buyer and the buyer did a charge back on one item as a duplicate payment to circumvent the PayPal process. I contacted PayPal and they actually stated to me that buyers could do this and there was nothing they could do about it. It was the only way that a person can be scammed on their website. They also stated that the buyer would not be punished for this behavior. I am out {$XXXX} because of this issue and PayPal took the {$XXXX} from my account with them despite having compelling evidence that this was a scam. I requested that I be sent the financial institutions name and phone number that way I could contact them directly and they have refused to provide the information. PayPal must be held equally liable for assisting in a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am writing to file a complaint against Square [ Block, inc. ] for engaging in an illegal and unethical practice related to a transfer made through their platform. 

On XX/XX/, I [ XXXX XXXX XXXX made a transfer in the amount of {$18000.00} from my personal account with AlfaBank to the account of XXXX XXXX XXXX as payment under a house rental agreement. However, despite the funds being debited from my account, the recipient did not receive the funds and to this day, Square has been unlawfully withholding our funds. 

My witness and point of contact for XXXX XXXX XXXX is XXXX XXXX [ address : XXXX XXXX XXXX XXXX, XXXX, VA, XXXX - XXXX, XXXX. / phone : XXXX / email : XXXX ]. As the owner of the Square account to which the funds were transferred, XXXX XXXX has been attempting to resolve this issue with Square for over a year now. Still, despite countless points of contact with the company, Square has only provided empty promises and no satisfactory resolution. I have attached screenshots of emails with empty promises from Square, which further evidence their willful and intentional failure to act. 

Square had claimed that the funds have been blocked due to sanctions. However, the transfer occurred before sanctions officially took place [ Effective Date ( EO XXXX Directive XXXX ) : XXXX XX/XX/ ]. Furthermore, Square has attempted to engage in the unauthorized withdrawal of funds from XXXX XXXX 's personal account in the amount of the withheld funds. Both of these acts are clear violations of legal and ethical principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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 being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX  XXXX Date opened XX/XX/2015 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 2019-12-01
Company: Mezu, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, My account with the service " Mezu '' was locked for some kind of fraud suspicion. Since that time I have had no access to my account, which precludes me from sending or receiving money, and more importantly reviewing the account statements and also getting any owed refunds from cancelled transaction and stored balances. 

At the time of my account being locked, I had multiple pending transactions totaling under {$500.00}, and a small amount of money physically in my Mezu account, less than {$1.00}. 

I have attempted to correspond with the company via email and telephone to get an explanation as to what exactly happened, and more importantly an account statement so I know whether or not they owe me a refund. Via telephone I have left messages and had no response. Via email, I have re
ceived mostly form letters, and have been provided with no real answers. 

While the concept of a payment app like this, that does not sell your personal data and is focused on privacy is great, unfortunately the customer service is horrible and in the end, makes the experience very unpalatable. I will be left, at least for the time being, to use apps like XXXX, XXXX XXXX, and possibly XXXX. 

Fortunately it seems that Mezu is associated with a FDIC insured bank, so I hope that this CFPB complaint will be able to help me. As per the mezu.com website, " The Mezu program is sponsored by XXXX XXXX XXXX XXXX, member FDIC, to which Mezu ( NA ), Inc. ( NMLS ID No. XXXX ) is a service provider. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been making regular, timely payments on my mortgage since it was originated in XX/XX/XXXX. During that time the note has been sold twice -- first from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and more recently to XXXX XXXX XXXX. There were no issues until now, but XXXX is not crediting my payments on time. 

XXXX 's statements arrive on about the XXXX or XXXX of each month, with a due date of XX/XX/XXXX. I always mail the payment immediately. Until XX/XX/XXXX of this year the loan was interest-only, with amounts due ranging between {$330.00} and {$360.00}. I tend to add an additional amount for principal, so my payments total {$500.00}. ( My understanding is that the loan is now being converted to Principal + Interest. ) On XX/XX/XXXX XXXX phoned to say they had not received my payment for that month. To avoid late charges, I send a second check for {$500.00}. Both checks ( # XXXX, dated XX/XX/XXXX ; and # XXXX, dated XX/XX/XXXX ) then cleared my bank on the same day ( XX/XX/XXXX ). On XX/XX/XXXX XXXX phoned again with the same problem : They did not have my payment, even though I had mailed the check on XX/XX/XXXX. I discussed the recurring issue with their representative, who explained that XXXX is not really set up to process checks. She said they prefer electronic payments. This was news to me. I informed her of my check number ( # XXXX ), and as I knew they must have it, I did not send a second payment. 

The check cleared my bank on XX/XX/XXXX. I have now received a Past Due Notice, dated XX/XX/XXXX. 

Possible explanations are that ( a ) XXXX is no longer able to process payments by mail, although I was not aware of such a problem before XX/XX/XXXX, and/or ( b ) they are intentionally delaying processing of my payments in order to force me to pay electronically. 

I can adapt to their new requirement, but I am alarmed that my excellent credit rating will suffer because of a reported delinquency. Also, their late fee of {$17.00} is unfair and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Had a account with XXXX  XXXX and they never let me knew they were going to release my information to chex systems. Which a violation of the XXXX XXXX XXXX XXXX  the never disclose to me that they information was going to be disclose. Asking could they show were I agreed to have my information released.

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 2022-09-05
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MRS BPO Account # : Unknown Amount : {$260.00} To Collection Manager : This is a second letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ) which had been deleted and readded as MRSBPOLLC and various names abbreviations pointing to your organization. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with MRS BPO and if or where I agreed to have business with you or  paperwork contracted for myself, XXXX XXXX & MRS BPO. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless MRS BPO can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above.

Thank you for your time. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Spoke with someone from JPMCB, on XX/XX/2022, that the account was going to be removed from my credit file. To this date the account is still reporting on my credit profile. This is a violation of my rights. A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX has been reporting an account JPMCB CARD XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of 2022, and they stated it was removed, and then reinserted, by the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment 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 explanation
Consumer complaint received 2023-04-13
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Discover Bank {$2500.00} Fraud Account does not belong to me XXXX XXXX XXXX {$4400.00} Fraud Account does not belong to me XXXX XXXX XXXX XXXX {$21000.00} Fraud Account does not belong to me XXXX XXXX XXXX XXXX {$13000.00} Fraud Account does not belong to me XXXX XXXX {$1600.00} Fraud Account does not belong to me XXXX XXXX XXXX {$12000.00} Fraud Account does not belong to me

Company response to consumer: Closed with explanation