BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, 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:
I called TransUnion on XX/XX/2023, and spoke with multiple representatives which was on a recorded line courtesy of TransUnion speaking about how I have 21 fraudulent inquiries on my consumer report that's not attached to an open account, nor did I give TransUnion written or oral consent to furnish anything on my consumer report. As a consumer reporting agency TransUnion has to exercise their grave responsibilities with fairness, impartiality, and with the respect of my right to privacy as a consumer to have the inaccurate information removed when I was denied assistance and my consumer rights were violated. I do not recall that TransUnion have sent out any type of communication in regard to an investigation consumer report. Since TransUnion haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing. TransUnion unfair credit reporting methods undermine my confidence in its practices which is essential for me to extend my credit.

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 2019-08-30
Company: KEYCORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Key Bank auto loan. 

I have made several attempts to pay my loan over the phone and by mail. They are saying it takes so many business days to process. This has been going on for 2 months of me trying to pay my loan and no payment has been credited to my account. Yet the keep calling me at my work phone which I told them multiple times not too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
1. I used PayPal to make a purchase fr om  XXXX   XXXX .    2.   XXXX   XXXX  placed a {$1.00} hold on my checking account through PayPal for the purchase.    3.  PayPal actually debited my checking account for {$1.00} instead of placing the hold.   4. I complained to PayPal.    5.  PayPal said they would refund the {$1.00}.   6. PayPal changed their minds and refused to refund me the {$1.00}.   7. PayPal has also cancelled my billing agreement with  XXXX   XXXX , denying me from using PayPal when making  XXXX   XXXX  purchases.    8.  See the attached complete file I have attached on this matter for all details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Today I was charged an overdraft fee of {$36.00}. Prior to the overdraft my account had {$170.00} after I received a direct deposit and the negative balance was paid. I withdrew {$160.00} from the ATM and was told that this withdrawal caused the overdraft fee, however my account was not in the negative at the time or even today before the fee was applied. In addition to this I was told conflicting information that the fee was due to a transaction from XXXX that went through on XX/XX/XXXX when at that time it was also in the positive. I spoke to a representative and even requested a supervisor to look at my account and reverse the fee but they both affirmed that the fee was not a bank error even though their records cant justify why the fee was charged. 
Lastly I had verbally opted out of overdraft protection a month ago when I spoke to a customer service rep, when I was made aware of their fees and process yet this was not done and they continued to process transactions.

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 2019-04-17
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I feel behind on my mortgage payment due to medical issues, I am a disabeled XXXX  war vet and tried to pay and catch up and tried to make arrangements, they told me i was already in forclosure and sent me a check in the amount of {$1000.00} check is dated XX/XX/2017 check number is XXXX and refused to take any of my payments any more, i tried to set up an automatic draft from my checking account and they refused that unless i was to pay amount in full. 
I recieved a notice in the mail stateing they are filling for chapter XXXX bankruptcy and a statemeant, i called them and asked for a pay off of my loan, they would not give it to me, then they told me i would have to call an XXXX XXXX XXXX XXXX XXXX   out of XXXX XXXX NM XXXX XXXX XXXX i called them and they stated that they where getting several calls and that ditech was not there client. i called back and spoke to diffrent rep, and asked for pay off and they said they could not give it to me and it would take 15 days, i called today and requested a pay off amount again and they refused to give it to me, i asked to speak to a manger they kept me on hold and finally tranfred me to ext XXXX i asked for a pay off and they refused to give it to me, i then asked who is your regulator they said they didnt know what that is, then they tell me CFPB, i asked for number and they told me to XXXX it, i then told them i have no internet, and they asked me what that stood for, so i replied to your spell the meaning out and they would not respond, nor give me the number at all. then they put me on hold and told me to call XXXX XXXX XXXX in XXXX XXXX. and said call XXXX XXXX XXXX and hung up. 
I called the number and it is a law firm dont know name but is in XXXX nm, i said i like to offer XXXX to pay off ditech of my note and be done with them and them with me, to be paid XX/XX/XXXX i am tired of the run around and refusual, at the time of speaking with them i didnt remember the check that they returned, so i like to minus my offer from XXXX to XXXX to pay off my mortgage and get title to my home to be paid XX/XX/XXXX. They refuse payment, charge intreast, and still have my money of XXXX and i sure they earned intrest and if i charged them intreast daily on that they would reduce the amount owed to them by that. they give people the run around and drag things on and rude, legal way of stealing from people, and cause people stress, companys like this shouldnt be allowed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, 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:
I have filed a complaint on XXXX/XXXX/XXXX # XXXX. You show that a charged off account with a balance. You responded : The balance for disputed XXXX  account XXXX has been updated to XXXX on the Equifax credit file. I received a copy of the credit report on XXXX. It still shows a balance. You must delete the account immediately under the FCRA rules. Your investigation is completely false. If this account is not removed forthwith, I will file a lawsuit against your company for reporting false information. Attached is the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: ProCollect, Inc.
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:
sent ftc and hippo violation to XXXX taking more than 30 days

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 2017-06-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
As advertise by Wells Fargo bank I have opened new account and followed instructions for direct deposit. This new account has promotion of {$250.00}. After several e-mail communications bank is refuse to pay promotion amount. They are claiming direct deposit is not valid. Account was opened in XXXX 2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: RI
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX CARD XXXX, and XXXX CARD XXXX have 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 explanation
Consumer complaint received 2017-06-26
Company: A.R.C. Accounts Recovery (U.S.A.) Corporation LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I noted a collection on my account from the collection agency of ARC, For almost 700 $ original debt was from utility XXXX XXXX XXXX XXXX XXXX. I immediately contacted the collection agency, and requested details of the debt. I found that my information had been used to obtain services in a state I was n't even living in during a portion of service. From XX/XX/XXXX to appx XX/XX/XXXX someone was without my permission using my name through XXXX XXXX XXXX. When I contacted ARC they informed to get a police report, type a letter for  why I was disputing and send it in. After I had sent them the information it took several months but inXX/XX/XXXX the account was closed, and removed from credit. Then just over one month later the collection is back on my report, I never received any notice of this what so ever. How can something that was closed and proven to be identify theft by the collection agency be reopened again by the same agency. What are my rights?

Company response to consumer: Untimely response
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: MI
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:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. 
Here are the inquiries listed below. 
Account Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2019-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 Bankruptcy : Discharged XXXX XXXX Bankruptcy : Discharged XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
i sent letters to Transunion and XXXX for inaccurate reporting items on my credit report per 15 USC 1681b see attachments below

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 2017-06-26
Company: LD Holdings Group, LLC
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:
Company was contacted personally. Discussed that permissions to conduct credit reports were not provided. Company disclosed a solicitation call was conducted. I reinforced the issue requesting the inquires are removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I received the letter from BoA saying they were going to send my New Credit Card, for which I never applied. Bank of America close the account after receiving my call complaints, but refused to investigating who issued the card. Even if that information is critical to breach my financial privacy. And also, Bank of America did not voluntarily offer that they will make sure the credit card account NOT to be recorded in 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 2018-05-19
Company: Southern Star Capital, L.L.C.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I submitted an online refinance application to XXXX XXXX, Loan Officer, NMLS # XXXX, with Southern Star Capital, LLC, dba Reliance Mortgage. 
On XX/XX/XXXX I had a telephone conversation with XXXX XXXX at Reliance. He requested additional information, which I forwarded that day, and he told me he would have an answer by Monday, XX/XX/XXXX. 
I did not get a response so I called XXXX XXXX on XX/XX/XXXX, and left a message requesting a call back. I also emailed XXXX XXXX that same day requesting information. 
On XX/XX/XXXX I had still not received an answer so I sent another email to XXXX XXXX. 
To date, XX/XX/XXXX, I have still not received any response from anyone at Reliance Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Stearns Ventures, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have paid PMI for 4 years 11 months and would like to have the PMI removed once the 5yr requirement is up. Our closing date was XX/XX/XXXX. Since XX/XX/XXXX our builder XXXX XXXX  has raised the base price of our model. The new base price would put us at the required 78 LTV ratio for PMI removal. XXXX XXXX preferred lender Stearns Lending says that to remove PMI the LTV is based on the original XX/XX/XXXX appraisal. Is this true and final?

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 2021-11-23
Company: CITIBANK, N.A.
State: NY
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:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-07-07
Company: National Credit Adjusters, LLC
State: AL
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 bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Kelsting Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is reporting a negative debt on my credit report i have prev sent in a req to provide the contact i signed and all they have provided is a statement with charges i do not have a contract with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
the mortgage was transferred from XXXX XXXX XXXX to Mr. Cooper in XXXX as the new mortgage servicer and all monthly were made and the account is up to date. 

As such Mr. Cooper without my knowledge obtained the property tax records and added the {$1300.00} tax amount for this year to the mortgage escrow impound. Resulting in the mortgage payment increasing from {$890.00} to {$1200.00} beginning XX/XX/XXXX. Note : ( this home maintained a Homestead exemption due to the previous owner XXXX it was afforded a tax exemption so taxes were not paid ) This new payment exceeds my ability to continuing paying the mortgage. Funds to pay the taxes had been set aside and available since XX/XX/XXXX of which I have the responsibility of paying not Mr. Cooper. 

I have not been able to get a resolution to this issue as Mr. Cooper agents have claimed that I am not an authorized person on the account to access information on the Escrow question and therefore are not able to discuss any account details with me. 

The Letter of Administration for the Estate issued on XX/XX/XXXX from XXXX XXXX XXXX Court was sent to previous mortgage servicer ( XXXX XXXX XXXX  ) in XXXX of XXXX but apparently was not included in the account records received according to Mr. Cooper service representatives. 

The Letter of administration was emailed to Mr. Cooper on Tuesday XX/XX/XXXX and again today with additional clarification as to why they were sent to MR. Cooper. 

I am not in a position to pay a XXXX monthly mortgage payment going forward, I gave Mr.Cooper until Wednesday XX/XX/XXXX for access that they are withholding for and providing an answer on my request correct the Escrow analysis by removing the {$1300.00} tax amount as they are not authorized to collect and pay the taxes. As noted the funds to pay the taxes have been available since XX/XX/XXXX.

Company response to consumer: Closed with explanation