BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to  the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it

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 2021-07-01
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal is claiming that I have a negative balance in my account of {$79.00}. 
I have tried to resolve this with their online dispute resolution process unsatisfactorily. They are claiming the only way to resolve the negative balance is to pay it. 
However, Paypal can not explain how the negative balance appeared in my account. 
Based upon how I use Paypal ( I use it for security for online purchases and for convenience, and it immediately debits either the XXXX XXXX or the XXXX cards that I have connected to it ), there should not be a negative balance. 
I only use Paypal to make purchases which are immediately charged against linked credit cards ; I do not use Paypal for any other kind of transaction ( for example, I do not sell anything or use Paypal to collect funds for any purposes ). 
Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-21
Company: ORG GC GP Buyer, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has came to my attention you guys are trying to collect a debt ; which was a result of Identity Theft. Attached is a dispute letter ; and my ID Theft Report. 

I ask that you immediately stop contacting me, remove the account, and stop all collection activities as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Payment was due XX/XX/2020 for a total amount of XXXX. 
I had made half the payment already. I was fired from my job XX/XX/XXXX so my payment scheduled was altered and I didnt receive final paycheck as usual. I paid entire month of XXXX mortgage and last half of XXXX mortgage on XX/XX/XXXX. 
Payment was reported 30 days late and credit score went from XXXX to XXXX. 
There is no record of late payments and there was not attempt on behalf of mortgage company to collect payment prior to putting forth a late charge and reporting payment was 30 days late. No correspondence of any sort was sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We made multiple attempts over the last 6 months or so with Freedom Mortgage to attempt to have our PMI removed after we were told we met the appropriate criteria. We were told to email a specific account to receive information for approved appraisal companies. I emailed multiple times and called. I was told it would then be mailed to us and it never was. My husband made our XX/XX/2019 mortgage payment and accidentally typed in the wrong account number. It was processed by never went through. Once we learned of the mistake we made the payment by XX/XX/XXXX. Unfortunately, my credit score dropped by 97 points. It was an honest mistake and we have never been over 30 days late on our  mortgage payment before. I would like to have it taken off of our credit report. Additionally, I wanted to see the PMI removed but now that we had this missed payment that wont likely happen. We are looking for any help we can get in this situation. 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 explanation
Consumer complaint received 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX I hope this letter finds you in good health. I am writing to you as a matter of urgency to address the outstanding debt owed to me by Capital One Bank ( hereinafter referred to as " the Bank '' ). 
On XX/XX/2023, the Bank abruptly closed my account which I had maintained for four years without any prior notice or valid reason. Subsequently, I have been relentlessly seeking the release of my funds, which amount to a total of {$55000.00}. These funds represent my life savings, accumulated through countless hours of hard work and dedication. 
The closure of my account has caused significant distress and inconvenience in both my personal and financial affairs. I am currently unable to access my funds to pay for essential expenses such as medical bills, house bills, and credit card bills. This situation has put me in a compromised position, as I have been unable to seek necessary XXXX XXXX, including a XXXX that I urgently required during my XXXX. The Bank 's actions have caused immense emotional and physical harm to me and have hampered my ability to lead a normal and healthy life. 
Despite numerous reminders and attempts to rectify this matter, the Bank has persistently failed to release my funds or provide a valid explanation for their actions. It is disheartening to note that the Bank does not have any physical branches to visit for resolution and has continuously evaded its responsibility towards its customers. 
In light of the aforementioned circumstances, I hereby demand the immediate release of my funds totaling {$55000.00}. Furthermore, I request an additional {$45000.00} as compensation for the undue hardship, emotional distress, and inconvenience caused by the Bank 's actions. I expect full repayment of the total amount owed, {$100000.00}, within a period of 14 days from the date of receipt of this letter. 
Please be advised that if payment is not received within the stipulated timeframe, I will have no choice but to pursue legal action against the Bank to seek redress and ensure that justice is served. I believe that it is crucial to hold the Bank accountable for its unethical and detrimental conduct towards its customers. 
I trust that you understand the severity of this matter and acknowledge the urgency with which I am pursuing resolution. I kindly request your immediate attention and cooperation in resolving this issue in an amicable and timely manner to avoid any further legal proceedings. 
Thank you for your prompt attention to this matter. I look forward to receiving full payment within the specific timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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:
In previous months I've disputed these items from my credit report and absolutely nothing has happened. I've requested the credit bureau to provide me with the data furnishing company that is reporting the information as accurate, and still nothing. I'm not aware with how and who was it that gained access to my information to open the accounts but I did not. Nor did I file bankruptcy with the courts, the information is also inaccurate and I need it removed.

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 2019-06-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Approximately 3 months ago I received a credit card in the mail from BMO Harris Bank. I did not order this credit card, ask for it, apply for it, nor did I make the activating phone call noted on the back of the card. I mailed a note to BMO Harris Bank on XX/XX/2019 explaining the above and noting the card has never been used. To date I have received no mailings and/or reply from BMO Harris Bank, only a billing statement asking for the yearly fee of {$80.00} due on this card. Three statements have followed, stating in addition to the yearly fee, fees charged and interest charged now total {$180.00}. 

I am an XXXX year old female, and I consider this an unfair and deceptive practice.

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 monetary relief
Consumer complaint received 2023-04-05
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: PA
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 spoke with some one from XXXX XXXX XXXX XXXX letting them know I never authorized nay card to be open in my name I asked XXXX if they could verify that I had applied for this card that they are reporting they stated the card was opened on line with my information I did not open this card and this. Closed account reporting is fraudulent, I have also had the same issues with XXXX XXXX I never opened any Credit card through their company they to stated it was an online opened account! During the time I was staying will people while attending school my identity was used I never collected mail from this home I learned of these cards through credited reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-18
Company: EdFinancial Services
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment with Edfinancial on XX/XX/XXXX of {$100000.00} towards my student loan balance of the identical amount with the option of auto-allocate selected. Upon rechecking my balance on XX/XX/XXXX I saw that there was a balance of {$9000.00} with the loan servicer having allocated an additional amount on one of my other loans for some reason, which left me with one loan at- {$9000.00} balance and a {$9000.00} balance on the other. I tried to call the company on XX/XX/XXXX, but the wait time was over 1.5 hours and I have to be at work and focused. Tried emailing the company which stated a 2-3 day response time. It's now been 4 business days with no resolution. I tried calling back again on XX/XX/XXXX at which point I was met with a 100 minute waiting time. I am worried that they will start fraudulently charging interest on my loans because of a mistake that THEY made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I XXXX XXXX XXXX contacted TransUnion in regards to removing inquiries not authorized by me. The agent denied me the right to have the inquiries removed. The communication was recorded as proof and protection. This was in clear violation of consumer protection laws that are in place to provide fair and accurate credit reporting. This denial of my rights as a consumer has impeded mine and my families right to credit in a negative manner.

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 2020-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This account with Capital One Auto Finance have been on my report for 10 / years. Per law the account can only stay on your report for 7 years after they 1st date of the account being open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX - Mailed certified letter asking for validation of debt on 4 accounts. 

XX/XX/XXXX - Certified mail delivered No validation has been received to date ( XX/XX/XXXX ) XX/XX/XXXX - called in regards to debt validation - spoke with XXXX XXXX and another woman, supposedly a supervisor, who refused to provide her name - Supervisor was trying to collect even though it is still within the validation hold time - I decided to humor her and that if they would settle for a certain amount I'd pay. She started laughing and said they wouldn't even take that money 10 years from now. I asked for a manager and was told no one was available and they would have to call me back, but I had also adv they must cease and desist any phone communication and that I would hold. She stated that I can't hold and started laughing again. Then I hung up the call. 

XX/XX/XXXX - I will be sending another certified letter after work this afternoon advising that since they failed to validate the debt as per my initial letter the debts must be removed from my credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: Trident Asset Management, L.L.C.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Have made several calls to company sent in my ID showing I never lived at the two address thats was receiving service at the same time i have also sent in prove that the address on the accounts have multiple different spellings of my name alternated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am the living human being. I have rights under 15 USC-1681. 

XXXX is govern by 15 USC-1681, and they violated my rights numerous times. 

I demand these accounts listed be removed : XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to 15 USC-1681 I have the right to privacy and I did not give XXXX permission to furnish these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After numerous months and dozens of phone calls, complaints, and Internet correspondence, were still trying to get our money from this company. They say they have guidelines for releasing funds, however nothing has been consistent or logical since the beginning. We are now down to approximately {$400.00} of {$78000.00}. However, due to their extreme incompetence, lack of judgment, or just sheer stupidity, this money will not be released. We have been told the house needs to be 80 % complete, 90 % complete, and 100 % complete. Which is it? We have had several inspections showing the house is being repaired, and is now supposedly 85 % complete. When making inquiries, the customer service reps have been rude, condescending, and just plain amateur. Obviously, {$400.00} will not fix the rest of our house, as there still is approximately {$50000.00} worth of work to be done. Its as if they want to hold this money just to prove a point. They are paying more for inspectors to come out to look at the house than the actual {$400.00} that remains. We have tried to speak with supervisors, upper management, and anyone who could possibly make a rational decision. However no one seems to know who these people are, or who they actually work for. It is like trying to reason with a group of four-year-olds. They need to release the rest of her money, and move on. Hopefully in the future they can adopt consistent guidelines for releasing funds, and follow through with such directives. We have uploaded numerous paid receipts which are somehow lost, even though this is done electronically. They overlook paid receipts, misread these receipts, or just plain do the math incorrectly. Again, the incompetence level is astonishing. This mortgage company is nothing but a scam. They are profiting off of holding peoples insurance money, while we suffer, unable to finish the repairs on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



XXXX XXXX XXXX : # : XXXX, XXXX  : # : XXXX, XXXX : XXXX : 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.

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