BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: Atlanticus Services Corporation
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Months ago I finally did my homework on what was ruining my credit score. My ex wife used my personal information to apply & used credit cards without my consent. She used her phone number & email address so I couldn't receive notification. If there's no justice in that, why bother being innocent. Even the police don't seem to care. Take initiative that I'm looking for a better future & these criminals need to be hold accountable. 

Blessings ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Well I have account whit capital one bank and I deposit a check on it and theyre just block my access to the account and freeze my money and theres days is suspicious activity because the check code from XXXX XXXX California but the check its verify by the company whos sended to my address thats company was XXXX The check was XXXX XXXX XXXX XXXX dollars in my account I have {$25000.00} the company whos Payment was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several Accounts have never been properly verified, I've asked for the original documents with my signature multiple times and I've never received them. I asked for date of delinquency with proof of verification never received it, Several accounts are past the Illinois seven year statue of limitations and they're still being reported. I never received paperwork to dispute the accounts before they were added to my credit reports. The dates are different on all of 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 2022-08-29
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I went to an ER and had imaging from XXXX XXXX XXXX ( XXXX ). I paid said bill through XXXX which is a company that worked with my insurance at the time on XX/XX/XXXX. I retained proof of payment receiptbdor {$38.00}. I then received on XX/XX/XXXX a collections letter from XXXX are ( XXXX ) and I do not owe this bill. I have contacted both companies by email with receipts and called numerous times for help and yet neither company will do anything to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a dis pute regarding a removal of a 30 day late reporting on our credit bureaus due to ROUNDPOINT MORTGAGE system failure to withdraw fund from our account and Failure to notify us as borrower in due time to take action. In response to our inquiries, Roundpoint was n't able to provide any factual information to disprove our case but rather incorrect facts about the course of action taken. We have all phone records, email confirmation etc to prove that Roundpoint was inaccurate in their assessment of denying our request to remove the 30 day mortgage late from our credit bureaus. Attached is a series of event and correspondence with Roundpoint. More detailed information can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022, I Disputed an item on my Transunion Credit Report through their Website. First of all, the debt is not mine. I also sent the collection agency my dispute notification via certified, return receipt, US Mail. The name of the collection agency is XXXX XXXX XXXX in XXXX, Georgia. The address listed for them on my Transunion Credit Report is : XXXX XXXX XXXX, XXXX, GA XXXX. My certified mail was returned because that address was bad, so therefore, I could not dispute the item with XXXX XXXX XXXX. I sent all evidence to Transunion via their Website and explained to them that XXXX XXXX XXXX furnished Transunion with a false address, so therefore this account should be deleted from my Credit Report as it can not be disputed due to a false address. I get notice from Transunion on XX/XX/2022, that they verified this account as accurate. How can they possibly verify the account when their own information about XXXX XXXX XXXX is false? This account should be removed from my Transunion Credit Report immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-10-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I opened an account with Citizens Access. That same day, the online account was locked. After a call to customer service I was able to access the account to fund it with XXXX dollars from another personal checking account at XXXX XXXX. One day later the account was locked once again. I called to request access again and was told they required a hold harmless letter from the depositing bank. When asked why they said it was flagged for fraud because they could not verify the account belonged to me. They did not disclose the reasons for flagging the account. This was told to me by XXXX XXXX supervisor ) and she gave me " request # XXXX '' for reference of my " case ''. I called XXXX and told them of this request which they found strange seeing as the account is under my name and a simple statement would suffice. I called Citizens Access again to explain this, once again they did not disclose much information but said I could request an ACH reversal or send the hold harmless letter because they could not " verify funds '' despite the account having been funded since the XXXX. Since I wanted to take advantage of their current APY rate I continued my attempt to provide this hold harmless letter. Panacea provided this on XX/XX/XXXX, they also faxed it to XXXX. I received an email saying my account had been funded which was odd because it had been funded on the XXXX. On XX/XX/29 I called once again and was told the funds were being sent back. I did not request them to be sent back but hoped to be rid of this headache. On XXXX I called once again because my funds had not been returned to my XXXX account at XXXX. I was told it was would take10 business, when asked what address it was sent to they refused to tell me, until I raised my voice they finally disclosed my address which was correct. I am not hopeful the funds will arrive, this is affecting my progress to secure a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2021-06-08
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2019 someone was trying to finance a car in my name without my knowledge ... As a result of that I see several inquiries on my credit report that are not mine ... upon getting a paper XXXX of my credit report I have kk these inquiries I did not do myself nor give anyone permission to run my credit. 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 .. I called each credit bureau and they as told even though it was fraud because I didnt do it myself or give anyone permission that they were not going to remove.. I also called the police to make a police report and was told since no account as opened they couldnt find a report ... I am requesting all these inquiries be removed from all 3 credit bureaus ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I tried to use XXXX to transfer money to an acquaintance of mine who submitted a " Send money request '' through Paypal. Somehow when I tried to make a payment, the site has redirected me to XXXX, a Paypal 's affiliate. I never even created a XXXX account in first place. 

XXXX 's website showed that this transaction can not be completed. I contacted XXXX and they said that I violated their User Agreement and that I can appeal the decision. 
I sent an email to XXXX telling them that I would like to appeal this decision but without letting me know what happened and allowing me to explain the situation, they permanently closed my account because one of my recipients has violated their User Agreement. 

If this is their policy, then they need to make sure that if someone has violated their User Agreement, then senders need to be informed about that so they do not inadvertently violate the User Agreement. 

I feel like that I did not do anything wrong. If somebody violated their User Agreement, why does XXXX hold me accountable for something I was not aware of? It was not my choice to knowingly violate their User Agreement. 
I want a more detailed explanation from XXXX. 

Here is their email : Dear XXXX XXXX, Customers may not use XXXX service in violation of XXXX User Agreement or applicable laws, rules or regulations. It is a violation of XXXX User Agreement to use the service for any of the following activities, including but not limited to : sexually-oriented materials or services ; gambling activities ; or commercial transactions that involve tobacco, firearms, prescription drugs, or other controlled substances. 



Additionally, sending money to a recipient who has violated the User Agreement will affect your ability to use XXXX. Based on a thorough review of your transactions and/or your recipients transactions, we have decided to close your XXXX account XXXX 



Our complete User Agreement is available for review on our website. 



Thank you. 



XXXX Customer Compliance Team Thank you! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a car from XXXX XXXX on XX/XX/2019. I added a warranty to the purchase. I told them I wanted to finance with XXXX XXXX XXXX. They said they worked with them and I could refinance later. Their finance rate is 5.99 %. XXXX XXXX XXXX 's rate is 3.69 %. 
The next day I called and cancelled my warranties. There were two:1. ) Service contract for {$2300.00} and 2. ) Wheel and tire warranty {$990.00}. Total of {$3300.00}. 
Then I called XXXX XXXX XXXX to refinance and they said I needed to wait for my title. 
My title arrived in late XXXX So now I have waited nearly two months, while paying 5.99 % on {$3300.00} that I don't owe. 
I checked my balance owing to Toyota Financial and they had not credited my account for the warranty. I called the finance manager at  XXXX XXXX. I did not get a return phone call. I sent an email. No response. 
Several days later I got a notice in the mail saying that the {$2300.00} had been credited, but not the {$990.00}. They said it generally takes about 2 months to credit an account, So I still couldn't refinance. I called again. I wrote 3 emails. I was told it was taken care of. I called Toyota Financial. They had not received the request from XXXX XXXX. So now I need to wait another 2 months.They said I would see the credit at the END of my loan. They are trying to get me to finance {$3200.00} for 7 years at 5.99 % THAT I DON'T OWE. 
In the meantime, I am paying 5.99 % interest to Toyota on {$3300.00} that should have been credited. And I have a lock on a 3.69 % interest rate at XXXX XXXX XXXX that will expire soon. If I have to reapply to XXXX for a car loan, I will end up with the new and likely higher interest rate for 6 or 7 years because Toyota won't refund my money, something that should take fewer than 5 minutes to accomplish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Last year in XX/XX/XXXX to XX/XX/XXXX there were fraudulent charges done on my credit card. The total was spend {$11000.00}. At that time the bank was XXXX. Once I noticed my card was stolen and called all of the charges that were done on my account I called them to investigate. XXXX told me they will look into it and let me know. I kept calling them every other week and did not hear anything back. In around XX/XX/XXXX PNC took over XXXX and they told me I needed to speak to the Fraud Dept. with PNC. They told me at the time they will look into my case. I kept calling every month to check and they could never update me. I finally was able to get in contact with a representative in XX/XX/XXXX that took action and he was able to place my account in front of the investigator manager. They promised me I would hear back in 30 days. After almost 30 days passed I noticed on my account all of the charges were taken off in XX/XX/XXXX and I had XXXX balance in XX/XX/XXXX. I assumed that they had fixed everything. In the beginning of XXXX I can my credit reports. It showed I owe {$10000.00}. I was shocked as everything was removed and updated. I also noticed there are late fees reported on my account. I started calling PNC Fraud Dept. every week and they could not give me an answer to why I have a balance on the fraudulent charges from last year XX/XX/XXXX to XX/XX/XXXX and why there was a late fee showing on my credit. I have yet to get a response regarding those fraudulent charges on my credit card that I did not do. The late fee is also still showing my my account. I need to know why they will not help me and remove charges I did not do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the fair credit Reporting act XXXX Account with late payments, 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 any 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 2021-07-12
Company: BSI Financial 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: Investigation took more than 30 days

Complaint:
I was being charged almost double i of my monthly payment I reached to them by phone to resolve the problem so many times and was not fixed in the meanwhile I was told by a rep of the company not to pay tha whole amount but my regular payment a week apart from the date I contacted them and I told the lady that doing so i was going to be late with my payment and she said that it was no problem and she would fix that, the day of the payment came and I paid my regular payment and the issue was not being resolved by the issue about the extra money they were charging me was resolved they had put me in the 30 days past due and reported me to the 3 credit bureaus and I have being calling he rep who told me that with no success and also calling another members of customer service with no answer to my problem, I need that 30 day late payment to be removed from my credit report since it was not my mistake nor my fault of the moneys that they were charging me, please intervene in this problem that I have with this company and it is affecting my credit<hope to hear from you soon Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX NMLS ID XXXX Producing Sales Manager | Apply Now! 
D : ( XXXX ) XXXX | M : ( XXXX ) XXXX F : ( XXXX ) XXXX E : XXXX Visit My Website : XXXX XXXXXXXX XXXX XXXX by Sun West Mortgage Company , Inc. NMLS XXXX Branch NMLS ID XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX This lady listed above was my daughters loan officer. The experience of closing her loan with XXXX was horrible. They were supposed to close on XX/XX/2020. XXXX still hadn't got the income verification form done. She kept saying that the form was filled out wrong and it didn't match the check stubs. So, while my daughter was on the phone with XXXX at my house talking about this form and how to fill it out correctly, XXXX was yelling at her and threatening to cancel the loan. XXXX was yelling at my daughter. I asked XXXX a question and she hung up on us. She then called us back demanding an apology for hanging up. Ummm my daughters phone was laying on the table with XXXX on speaker phone. She was very unprofessional. I would will not send anyone to Sunwest or to XXXX XXXX. For her to yell and threaten us to cancel the loan because we asked questions is CRAZY! and unprofessional.

Company response to consumer: Closed with explanation