BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2017-11-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Around XXXX XXXX XXXX i contacted TD Auto finance about an extension due to XXXX XXXX have 2 auto loans with them and i chose to only extend 1 loan. i have received several notices granting me a 60 day extension. 1st letter received dated XXXX XXXX granting the extension. XXXX XXXX received a 30 day letter, i called and was told as there were so many extensions from the hurricane the late letters are automaticlly sent but my extension was approved and my credit would not be affected. On XXXX/XXXX/XXXX i received an email from a XXXX XXXX that TD auto reported a 30 day late payment. I once again called TD on XXXX XXXX and was told the paperwork was not completed on their end and a supervisor would be corrected as soon as possible. Received one more letter dated XXXX XXXX saying they have granted the extension, pretty much same letters I 've already gotten. I have made more phone calls and was given the run around. Called again on XXXX XXXX and was told there were errors on their side and was in supervisors office to be corrected. Received one more letter dated XXXX XXXX stating the same as the other letters, stating amount due {$0.00}, with new loan maturity and payment date, all letters are the same.. I Made a payment via phone on XXXX for {$1500.00} and spoke to a lady and also was told they were working on the paperwork still, and was told they would be giving a credit of {$530.00} as well. On XXXX XXXX i called to follow up and now am told that i was never approved for the extension and am 60 days late that i need to pay the loan right away, this was from a supervisor. I have 3 letters stating TD auto has approved the 60 day extension..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$9300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, I received a letter from XXXX claiming I didn't pay my property taxes. Since the inception of my mortgage, my property taxes have been paid timely automatically from my Escrow. However, PennyMac failed to pay property taxes causing me to receive an embarrassing rebuke from the County, for which, I entrusted this responsibility to Penny Mac from origination to on-going maintenance of my mortgage. PennyMac claimed there was insufficient money in my escrow once " I " made them aware of this issue, in which is another problem within itself and should open question to Penny Mac 's capabilities and controls for monitoring similar issues with other borrowers. Nevertheles

s, PennyMac presented options in which they could resolve the issue, in short, they submitted a payment to the County AND " elected to '' roll the balance into my ongoing mortgage monthly payments for 3-4 years without my expressive consent. I have issue with PennyMac 's management and oversight of its escrow activities. PennyMac should have had better processes and controls in place to detect and prevent this property tax gap and miss-payment. PennyMac took over this loan through a refinance and should have had processes in place to ensure my property taxes would be paid timely, just as the previous owner of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: VA
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:
On XX/XX/2023 JPMCB CARD made unauthorized hard inquiry to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: SLM CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I performed a balance transfer and the check was mailed to Sallie Mae. my Sallie Mae credit card. XXXX. The bank recieved the fund but said it was sent to the wrong address. Then it took them more than 14 days to deposit the fund into the account to make my balance current. In the meantime I was charged a late fee along with interest on the account that I should not have. According to regulation cc once a financial institution receives a payment in the mail they are required to deposit it. Its not my fault as a consumer that they dont know how to perform there functions correctly and now are negatively impacting me financially. They are trying to say its my fault that it wasnt sent to the correct address but I did send it to them. I reached out to them and explained the situation they gave me the run around and sent it to a supervisor never spoke to the supervisor and they denied my claim to waive the interest and thats not right. They faulted in their responsibilities and are trying to have the liability be on me. I did everything correctly on my end. They are at fault and now Im being charged interest on interest that I shouldve never been charged. They are taking advantage of people and they should be fined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-10
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: Account information incorrect

Complaint:
I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX XXXX XXXX about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I deploy but they refuse to accept. XXXX will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.

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 2023-11-16
Company: Block, Inc.
State: WA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I contacted cash app and told them I needed a cash card and they keep telling me that they will not send me a debit card/cash card but I can only use the service by sending money and reccieving money but I cant just send money back and forth I need to retrieve my cash from the app and take my money off and on the debit card! I dont understand why they wont send me a card and when I ask what is the reason they said thats all they can tell me is I can get one maybe in the future I dont understand what that means Ive been waiting 5 months now for a card!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a XXXX XXXX  student loan of about {$3500.00} most of it is penalties and interests I am not working I'm a XXXX patient I've told them I didn't have the money year after year they keep sending me and put me in collections putting it on my credit report this long should have been given in XXXX of 2020 when President Trump gave the approval we still supposed to be in the pandemic at this time and they're still calling and and turning me in late to the credit bureau nail that has created a problem for several people I've read I've seen the news they should be reprimanded and taken out of business because they are not a credible source for collecting debt in my words please stop nailing it and I was my loan was supposed to be forgiven. They are like some debt collectors that I've never seen before in my days of living they know that this is a pandemic and people are going through a lot right now and they continue to hit your credit report they've hit my credit report several times I asked him to clean it they don't want to clean it I think something should be done from through the government about Nelnet too many people have turned their net in please let me know what you find out thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Earlier this year CHASE closed my checking, savings accounts- asked what was the issue as dont really use them out of the ordinary, and said was confidential and couldnt offer more info now they have closed my credit card as well, and dont understand as i pay my bills on time, and have everything in order. at least they should say whats the issue, feel i have been negated access to financial instruments here. have good credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This loan is called ocwean and they recently changed their name to phh loan. My home burnt down a year and a half ago my insurance company sent me 2 different checks For my contents and value of my home. I sent ocwean a check from XXXX that was the exact amount to pay this loan off and close the account for good. They kept insisting that I needed to have a Affidavit. So 3 different times we have mailed it back with the pay off signed and notarized and they kept saying it was sent back to late but we sent them out the day of or day after it came to our house we even had them fax it to my attorney and ocwean told us to fax take 24-48 hours and my attorney didnt receive it until a week and a half later and they notarized it that day we signed it and they faxed it back still, the check they have cashed which was from XXXX  and my adjuster told me they cash it & they have it sitting in a escrow account and wont release the funds to pay the loan off, now they have charged me up to XXXX and are trying to foreclose on my property that my new home is being built. I have called them over 50 times and they cant answer my questions, or they hang up on me or just keep transferring me to different departments. Ive received letters in the mail to sue this company this is the kind of loan that I have paid on for 30 years and it never paid off the principal balance. I need help because this doesnt seem right when they was paid in full to close this account and never have to do business with them again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE ALREADY NOTIFIED CENTRAL FINANCIAL CONTROL IN THE PAST TO CEASE AND DESIST ALL COLLECTION EFFORTS. THEY ARE TRYING TO COLLECT OVER A DEBT THAT I HAVE NO KNOWLEDGE OF AND ARE USING UNFAIR PRACTICES TO DO SO. I HAVE NO OBLIGATION TO THE DEBT AND DO NOT HAVE AN AGREEMENT WITH THEM OVER THE FRAUDULENT DEBT. I HAVE ALREADY SENT CENTRAL FINANCIAL CONTROL A NOTICE ATTACHED WITH A POLICE REPORT, AND HAVE ALREADY FILED A REPORT WITH THE FTC CONCERNING THIS MATTER IF EVERYTHING FAILS I WILL HAVE TO MOVE FURTHER WITH LITIGATION PROCEDURES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I recent notice Multiple inquires on my credit report that were unauthorized. Most bring in XXXX XXXX XXXX XXXX I have been previously notified by XXXX XXXX XXXX that I was a victim of Identity Theft due to Security Breaches with their respective companies. There is no surprise that my information can/could be used to attempt to receive credit or accounts. I have since filed a report with IDTheft.gov and will upload report to this complaint. I AMM respectfully requesting each respective Credit Bureau delete each unauthorized Hard Inquiry off of my consumer reports. 

My other issue with the 3 Credit Bureaus XXXX XXXX, TransUnion & XXXX ) is : I am requesting the DELETE ALL the listed Charge-Off Accounts on my reports due to there are no longer any Balances owed on each respective account. 

THE LAST DATE OF ACTIVITY, THE LAST DATE OF PAYMENT, THE ACCOUNT NUMBER, THE BALANCE EVERYTHING ON THIS CREDIT ITEM ON MY CREDIT REPORT LOOKS TO BE INCORRECT. CAN YOU PLEASE DELETE THIS ITEM FROM MY CREDIT REPORTS Lastly ; There are Two ( 2 ) Listed Dismissed XXXX XXXX XXXX on my Credit Reports. Ive already disputed them directly with the credit bureau to delete them because the Court did not send this info to the Credit Bureaus Directly, and by law it should not be Reported on my credit reports

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 2023-06-24
Company: FISERV INC.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX XXXX, XXXX XXXX ( Via their ACH " Telecheck from Fiserve '' ) issued a {$20.00} " Return Fee '' to my bank account without any transactions taking part by myself and without consent. 

This return fee, according to online searches, is issued by Telecheck when there are insufficient funds in an account they are attempting to withdraw from. There were no transactions made by myself between my checking account associated with XXXX XXXX and XXXX XXXX in the month of XXXX. 

As XXXX XXXX is a sportsbook, they seem to have separate " wallets '' for individual states for tax accounting purposes. This means that when you cross state lines ( XXXX  to XXXX  in this case ) XXXX  issues an automatic account transfer from one states wallet ( XXXX  ) to the other states wallet ( XXXX ) using their ACH Telecheck. I was not asked if I wanted to transfer funds and did not consent to any transfers to or from my checking account. I was not notified the funds would be transferred. I have never attempted to make a deposit, withdraw, or transfer to or from XXXX XXXX with insufficient funds. 

When crossing state lines ( XXXX  to XXXX  ), the balance of the sportsbook account was XXXX. XXXX XXXX, via Telecheck  as ACH, seemingly issued an automatic funds transfer from XXXX  wallet ( managed by XXXX ) to XXXX  Wallet ( managed by XXXX ). XXXX initiated an automatic transfer of XXXX and Telecheck issued a {$20.00} " return fee '' to my checking account associated with the XXXX account. 

The statement by XXXX XXXX support when attempting to rectify this is as follows : " Thank you for contacting XXXX Customer Support. I apologize for the inconvenience. 

Return or retry fees are charged by our ACH processor. This would be associated with a previous deposit attempt where the user did not have funds available, so when our ACH processor tried to collect funds and couldn't they go back later to collect funds + charge fee. 

Telecheck ACH Processor Contact info : https : //getassistance.telecheck.com/consumer-contact.html " There were no transactions between my bank account and XXXX XXXX without sufficient funds and/or in the month of XXXX. I next asked XXXX support to confirm my account transactions in the month of XXXX and XXXX XXXX confirmed : " Thank you for contacting XXXX Customer Support. My apologies. I can confirm there is a wallet transfer of {$0.00}. '' Over the period of two phone calls, one currently as this is typed, I was on hold with Telecheck to dispute the charge and receive a transaction history. The first phone call I was on hold for over an hour until I had to hangup. I have cancelled my evenings plans today because I have been on hold for over an hour again and I want this issue explained and rectified.

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 2023-11-03
Company: Atlanticus Services Corporation
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The credit card was opened in my name without my knowledge or permission by my now deceased husband. I found the credit card after his death and contacted the company.

Amount owed {$1500.00} Found his user name and printed statement from online ( found another 2 credit cards from this company in husbands name ) XXXX called company and reported fraud XXXX found email from company in husbands email. Called company - they said report to police and send death certificate XXXX Letter from Aspire, account closed & fraud claim report XXXX Letter sent to Depute Resolution Fraud with FTC Report XXXX Letter from Aspire, again, acct closed & Fraud report 14 days to respond. Note, I was in hospital & ER after total XXXX XXXX and could not reply XXXX Aspire letter, now calls this " unauthorized activity '' & I didn't reply in time, therefore I am responsible XXXX mailed, using their envelope, fraud claim form, my XX/XX/XXXX letter, FTC report, Police report XXXX Called and explained hospital & convelescent, FTC Report etc. Told to start over and fax. Immediately FAX Letters, notes, FTC & Police Report, Fraud form and asked this be removed from my credit report. 
XXXX Called to check status. Told, not in my favor. Verified account opened using XXXX  email and mobile phone. Advised no estate, no probate, no assets. 
XXXX XXXX XXXX letter dated XXXX stating 1 ) family benefited 2 ) Card sent to fraud claim address 3 ) Aspire will not intervene in civil issue nor be able to make assumptions activity was fraudulent 4 ) therefore I am responsible for balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: SC
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:
Have inquiries on my account that i don't have no clue about! Please remove.

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