BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-08
Company: Credit Karma, LLC
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint is against the company '' CreditKarma " specifically about the " CreditKarmamoney Spend '' checking account and " CreditKarma money Save " savings account they offer to consumers, where I have made electronic deposits from my XXXX bank account, and this Company has been illegally freezing my deposits and will not allow me to put back my money into my XXXX  account or withdraw in any way. 

In XX/XX/2021, I have linked my XXXX bank account to the 2 CreditKarma bank accounts and deposited {$10.00} dollars into the Creditkarma checking account, and {$20.00} in the CreditKarma savings account. 

After I linked my XXXX Bank account and made the deposit, this Company froze my CreditKarma savings and checking accounts without informing me of anything, and will not allow me to get my money back.

They are illegally keeping my money, in fact stealing it since I can not withdraw my own money from these 2 accounts.

I contacted them several times by phone and by email.

No explanation was given as to why they froze my accounts.

When I called The credit karma call center to get a resolution ( from the accent of the agents I assume it is a call center located in XXXX  ) they asked me to email my documents to them, picture Id and bank statement AFTER taking my money from XXXX. 
I do not trust this Company whatsoever, and I am not going to send my personal documents to fraudsters. 

I reiterate, after I linked my XXXX bank account and made 2 deposits on Credit karma bank accounts, they froze my money.

I recorded the phone call with them, and they even admitted that they froze many other accounts.

They are keeping the money of consumers and making profits from the money of others.

I want to be able to withdraw my money that I deposited into these 2 Bank accounts that this Company is illegally keeping an hold of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. HOWEVER, I REQUEST THAT YOU REMOVE THESE ITEMS IMMEDIATELY. OR I WILL GET MY ATTORNEY INVOLVED

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 2021-11-28
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit reports XXXX XXXX it has been well over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card was open under my identity. The company told me to go file an identity report I did that and they still reported me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-01-11
Company: Nelnet, 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:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Debt Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is an unknown account that was just reported on my personal credit file that is unknown to me. This is a mistake as I do not owe anybody this amount. Pleaes help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several charge off accounts on my credit report, including the Child Support Enforcement XXXXXXXX account, XXXX XXXX XXXX XXXXXXXX account, XXXX XXXX XXXX XXXXXXXX account, XXXX XXXX XXXXXXXX account, and XXXX XXXXXXXX account. 

As you can imagine, seeing these derogatory marks on my credit report has been emotionally distressing. I have been struggling financially and have been working hard to improve my credit score, but these charge offs are hindering my progress. 

I would like to dispute these accounts and request that they be removed from my credit report. I understand that I have a legal obligation to pay my debts, but circumstances beyond my control have made it difficult for me to make timely payments. 

I kindly request that you provide me with any documentation or information regarding these accounts, including the original creditor and the date of the last payment made. Additionally, I ask that you investigate these accounts and remove any inaccurate or outdated information from my credit report. 

Thank you for your time and attention to this matter. I hope that we can work together to resolve these issues and improve my credit standing. 

Sincerely, 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 2023-01-10
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY IN A COLLECTION STATUS AND STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Kikoff Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX XXXX Acct # XXXX has violated my rights. 
15 u.s.c. 1681 section 602 A states I have the right privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a 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 2018-11-19
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have already submitted a complaint with XXXX XXXX XXXX. After submitting the complaint in XX/XX/XXXX they put a code XXXX to stop reporting to the Credit Bureau even after there investigation on my payments they found in there own favor for the year of XXXX and XXXX that I knew nothing about. and within two months of my spouse deceased they threaten me with foreclosures. I truly am thankful for XXXX XXXX XXXX for coming in at a time of hardship. I have been in my home since XXXX that was the first time I have been late and not knowing because of the way the state of XXXX   XXXX XXXX were sending in my payments towards XXXX XXXX XXXX   XXXX. XXXX XXXX XXXX were paying at that time, of hardship. Since I had made the complaint against XXXX XXXX XXXX. I am submitting another complaint the reason XXXX XXXX XXXX XXXX XXXX XXXX put a hole on payments to the Credit Reporting agency. This is not acceptable. When you are making payments on time. They also are rejecting to remove the code. without even a reason why it was placed? Whatever the reason I'm requesting it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: MRS BPO, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 a collections account with a balance of {$600.00} was opened under my name from a company called MRS BPO. It says the original creditor was XXXX XXXX XXXX. I have not heard of either company and do not owe any bills to them. I haven't received anything in the mail regarding any debt owed by either of these companies. I believe they sent the collections to the wrong person and I want this report removed from my record immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2023-05-16
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX SSN XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This letter is a formal complaint that you have not maintained reasonable procedures in your operations to ensure the highest possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please review the attached letter and details of the provider that I describe below Credit Acceptance Corp Contract XXXX The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2017-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
5 years ago I purchased a home in XXXX Florida. Recently I decided to sell and have a buyer. During the selling process I was notified by the title company XXXX XXXX attached a lien on my house 3 months after I purchased it. I WAS NEVER NOTIFIED! I have never even done business with XXXX XXXX. Now XXXX XXXX is saying it 's Bank of America fault. I have many many requests to XXXX XXXX to straighten this out. They could not even figure out why it was there. My real estate agent, title company, lawyer have not been successful in getting them to sign a release of title, even though they admit that it s what is needed. My contract expires Monday with buyer and I am going to lose my sale. I have talked to 6 representatives at XXXX XXXX, the last being XXXX XXXX ( XXXX ), she will not give me her supervisors name and will no longer answer my calls. I know that XXXX XXXX has fraudulently attached to my title, and a simple release of title will fix this but now it is to late to save my sale. XXXX XXXX has caused both monetary loss and emotional stress unfairly to me. I am being penalized for BOA/XXXX  XXXX mistake. This is unheard of! This is negligence, it 's fraudulent. How could a bank, mo this after a home is purchased, accidental put their name on a title!!!????? If the CFPB is really here to help consumers, then this is a perfect case!

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX has not sent the correct status of an alleged student loan debt in the amount of XXXX to all three major credit agencies. The alleged student loan debt was closed XX/XX/2022 yet all three agencies are reporting damaging information on my consumer 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 explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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 XXXX 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 an account wothout written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I wanted to raise funds in order to visit my grandparents who are in XXXX. for this reason I did create a paypal fundraiser but as soon as I did receive money paypal did block my account. 
the link to my fundraiser XXXX XXXX XXXXXXXX paypal support claimed that the funds will be available after 180 days without giving any reason why I must wait so long. 
however now the time has passed and I can not access my funds. I believe paypal did scam me for the amount of {$3800.00} please help me recover my funds. this is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2020-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America I have had this loan for about 10 yrs and do not escrow taxes or insurance. I have never been late on a payment. Taxes and insurance are up to date. Recently during this pandemic a payment to taxes posted late. The bank is now saying i have to escrow tax and ins. i can not afford what they are asking me to pay. I have spent MANY hrs trying to get a person on the phone with no luck. Sent them a certified letter with no call back. I have emailed them multiple times and no one has contacted me. I work in healthcare and pride myself on always having good credit. I do not want this bank to ruin things for me. Thank you for your help, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation