BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-12-16
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
When I had my house I applied for a modification and they refused to help me. They said we will just foreclose on your house and they did just that. Would not consider helping at all. I lost everything

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 2023-07-25
Company: MoneyLion Inc.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Okay so back in XXXX of XXXX we seen fraudulent transactions and the amount was my whole paycheck that was deposited into my bank account at Moneylion in amount of {$910.00}! We told them immediately that we werent making charges and we needed help!! Well they took forever to check the account and it had already rolled around to time for my next paycheck to be deposited and they got my payroll again!!! So when that happened the amount was doubled and they were acting like they didnt want to help at that point because they owed us two paychecks at that point!! I had finally gotten someone to I thought understand me but not quite I found out because they said if its not you then why you let them charge your card for paychecks why not stop when it first started and I was like I tried I called I emailed and put in for transactions illegally not me but you Moneylion kept telling me oh we have to wait until all the Charges are not pending anymore and cleared but they let this go in for a month which was two of my paychecks {$810.00} and second one {$910.00}!!! After all was said and done they waged war with me for about 4 months and come down to only sending what they said was the amount they were refunding even though I had proof of these charges being out of country and chat records with emails showing that I had been corresponding and pleading with them to freeze card and give us new account number! So then they sent a amount of unknown amount to a old bank account that had been closed and said okay we sent you your money back! But oh no here is the 3rd leg of it so I didnt even get notified correctly that they did send something so when I finally found out it was my other back account that was closed that emailed me and made sure I knew that on XX/XX/XXXX at XXXXXXXX XXXX that they sent back a deposit from Moneylion XXXX of course my account was not open and now XXXX hasnt responded after I told them I know that chime sent the payment back to them!!! And I also have {$240.00} in my loan saving and {$48.00} in crypto account with XXXX that they owe me because all my accounts had all our money into them! So total amount at the end of it all the amount of {$2000.00}!! And I believe that is fair being we got kicked out of our house that XXXX during XXXX in the winter months because they didnt protect us even after we were screaming to them to freeze the account!! Please help us we dont want any extra just my paychecks that I worked my tail off for because it had been XXXX and we were going to get our kid XXXX but instead we lost everything due to their negligence! Thank you for any help though we would appreciate any!!

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 2023-07-25
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with Bridgecrest. This furthermore proves the violations of information being illegally and fraudulently report to consumer credit report. 
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) 18 U.S. Code 894 - Collection of extensions of credit by extortionate means a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non repayment thereof was punished by extortionate means.

Per consumer credit report from Bridgecrest on the following date of XX/XX/2023, that I the consumer owed a balance with Bridgecrest in the amount of XXXX and stated the " merchandise was taken back by credit '' which is also a false information as vehicle was not able to operate due to brake mechanical issues that were no longer under warranty and had Federal recall from the manufacturer.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the validity of 4 different accounts with TransUnion by mail. One of the accounts is still being negatively reported on my TransUnion credit report even though that particular creditor has and is violating the FCRA. Proof that the creditor did not validate my debt was sent along with a letter requesting that TransUnion investigate and delete all accounts being reported incorrectly or not being validated. The letter and proof was sent on XX/XX/XXXX directly to TransUnion headquarters. A response from them has been received and it shows that one account was updated not deleted even though Trans Union was sent proof of XXXX XXXX XXXX Violating the FCRA by not properly responding to the consumer and validating the debt correctly. XXXX XXXX XXXX was sent a debt validation letter and debt follow-up letter on XX/XX/XXXX and XX/XX/XXXX. The first response I received from XXXX city XXXX was a letter post marked for XX/XX/XXXX. XXXX XXXX XXXX XXXX the FCRA and TransUnion was notified about the violation, but did nothing. The main problem with TransUnion 's response was that they failed to delete inaccurate information from my credit report and that information still remains. This is a direct violation of the FCRA and a civil case against TransUnion will be filed soon.

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 2021-03-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I was alerted by XXXX XXXX that an account was started with TD bank. I did not open this account. I was advised by life lock to contact TD bank fraud unit. I contacted TD bank and they put an alert on the profile. I received a call from a fraud investigator that advised the accounts created were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion put a fraud alert on my credit report. I think I was able to remove it this past XXXX  XXXX  XX/XX/24. This has already caused be a problem opening up a saving account with another company. I tried to call them this morning XX/XX/24 to check if in fact it had been removed and was immediately transferred to someone in XXXX. The agent immediately wanted my SSN. I immediately asked her to transfer me to an agent in the XXXX because I am not going to give my SSN to someone who in not even a XXXX XXXX. 
I am sure I did not put the fraud alert on my credit report and I want details about who did and why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-13
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal has had a hold on a {$600.00} payment to me for over a month. The payment was made on XX/XX/2023, the account name is XXXX XXXX XXXX. 

I run a small, seasonal, business taking photographs of motorcycle racing here in Utah and have done so for over 10 years. Many of my clients pay in advance for their photos, sometimes as early as XXXX. 

I have had a PayPal account for over 20 years and have made transactions for over {$600000.00} in that time, mostly for XXXX sales. I am not new to them. 

This is the fifth straight year that the person who made the {$600.00} payment has done so, there is nothing new about him, either. 

Contacting PayPal ( multiple times ) about this issue has not resulted in any resolution, all that they will say is that they hold funds at their discretion and won't tell why this transaction is being held or when it will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, 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:
XXXX XXXX XXXX I have disputed this account on XXXX XXXX XXXX. Both Equifax and XXXX report no late payments. XXXX reports 5 late payments. XXXX has not even investigated. This needs to be updated to PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX XXXX XXXX I have disputed this account on XXXX XXXX XXXX. They have no even entered a notice of dispute. They have refused to investigate. The payment has never been late for this account. Please update account PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX XXXX  I have disputed this account on XXXX XXXX XXXX. They have no investigated. They have not entered a notice of dispute. They have not validated account. This needs to be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: PNC Bank N.A.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My personal phone was called 12 times in a span of two days from a collections department from PNC bank. My account is in good standing with no historical delinquency. My payment was within the disclosure of the grace wait period. I think the collection practice was unnecessarily aggressive and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
An accommodation includes any payment assistance or relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/2020, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. 
This statement from the cares act clearly states that payments during the COVID-19 national emergency would have accommodations. My late payment was reported XX/XX/2020 My payment was missed in XXXX. this is well in the 120 days of XX/XX/2020. 
XXXX XXXX is in violation of the cares act but not giving me accommodation. 

I will attach the email sent to them informing my situation.

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 2020-03-02
Company: Complete Credit Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2020 I received notice that a collection account had been added to my XXXX  report from Complete Credit Solutions Inc. At this point I had not been provided anything in writing explaining this alleged debt. I sent them a validation letter which I mailed certified on XX/XX/2020. On XX/XX/2020 I received a letter NOT from Complete Credit Solution 's Inc but some company named XXXX XXXX XXXX XXXX claiming that Complete Credit Solutions Inc was their client, and that I had an outstanding balance of XXXX which was assigned to their office on XX/XX/2020. Upon research I found that they are also a debt collection agency who is working under guise of a law office for Complete Credit Solutions Inc to trick consumers into paying invalidated debts. I also sent the alleged law office a letter asking them to validate the alleged debt on XX/XX/2020, and have yet to hear back. 

On XX/XX/XXXX, I received a phone call from Complete Credit Solutions Inc during which I asked the representative XXXX if they had gotten the letter she advised that they had received it. She advised that they would be sending a response soon I ended advising that I would wait for the letter before discussing anything further with them. However a few hours later I received yet another alert from XXXX  advising that Complete Credit Solutions Inc had hard pulled my credit report for an installment loan. I did not authorize them to pull my report and further they are a collection agency not a creditor who provides loans. I presume they pulled my report due to them trying to obtain information to validate the alleged debt. 

Additionally, the alleged debt upon research is for a company called XXXX XXXX who is no longer in business and have not been for at least 4 years. I have also reached out to them and they have no evidence that I owe debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Reporting later payment since this company ( Nationstar, then Mr. Cooper ) purchase loan to the 3 Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 credit card company is not reporting ( my correct balances ) to the credit report agency in a timely and accurate manner. I am not receiving my billing statement from this credit card company in an accurate and timely manner. With this credit card I requested to have it delivered to me via electronic mail, but have not received one for XX/XX/2018 billing statement cycle. This credit card company is not updating my information to Transunion accurately. My online account does to reflect correct account information in real time from this credit card company.

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 2023-12-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax Commercia Reporting is reporting inaccurate accounts on my commercial lending report. A derogatory account reporting from XXXX XXXX is paid in full and in good standing. I have furnished Equifax Commercial Reporting with documentation directly from the creditor to verify the account isn't past due or negative, however, the information still has not been updated on my account. This error is causing me to be declined for receiving lending from other creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NEVER RECIEVED NOTICE FROM FOCUS FINANCIAL, REQUESTED BREAK DOWN OF DEBT AND BY LAW HIPPA ACT OF 1996, PROVIDE MY SIGNED HIPPA RELEASE FORM. I ALSO RECIEVED 3 COLLECTION BUT ONLY ONE VIST PLEASE PROVIDE 3 SEPARATE BILLS WITH THE ACCOUNT NUMBER FOR EACH SINCE IT WAS ONE VIST TO THE EMERGENCY ROOM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I resolved a debt with Transworld Systems on the terms that it would be removed off my credit report. I paid the amount in full and they sent me a letter that the debt was resolved. 
When disputed with the letter given, they will not remove it from the credit report. The letter states as of XX/XX/2023 the debt has been resolved. I have contacted Transworld Systems multiple times to try to get this resolved and they will not work with me, so they leave me no choice but to submit this complaint to try to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: JPMORGAN CHASE & CO.
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:
Chase Bank I pay my rent through bill bay, however, back in XXXX the check was intercepted and someone washed my landlord 's name from the check and inserted their name. It has been over 4 months now and I recently received a letter stating the case has been closed because the other bank " XXXX XXXX XXXXXXXX '' has not responded. The amount due to me is {$2200.00}. I believe being a " Chase Private Client '' they should take care of their clients. The bank should have covered the amount as the check was sent from Chase, then follow up with XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation