BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX have all 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 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 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Trans Union lowered my personal credit rating which has affected my credit score. The only changes that have occurred are 10 hard inquiries for credit WHICH I DID NOT AUTHORIZE. 
After contacting TRANS UNION and speaking to someone who barely spoke English I was told they could/would not allow me to dispute credit inquiries ( which XXXX does ) I have NOT authorized these 10 inquiries and therefore want them removed or show me where I authorized them

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: TRUIST FINANCIAL CORPORATION
State: GA
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've had multiple issues with Truist Bank including their illegal debt practices after a bankruptcy stay. Note I was under a bankruptcy stay in XX/XX/2019, had kept up with my payments and reaffirmed my mortgage debt. After the merger with Suntrust, Truist aggressively and illegaly had tried to force me pay debts without statements, lie about receiving statement and send threatening letter stating they would report payments to the credit bureau on closed 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 explanation
Consumer complaint received 2021-05-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello XXXX XXXX, Im a victim of fraud and Includes identity theft by chase bank and Private real estate Companys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason. I have contacted them by live chat and also by call, but they are not providing any explanation on what went wrong so my account is being closed. All the documents provided are legit ( ID proof and Bank details ), also I'm ready to provide further documents if required. They are not cooperative and supportive in order to solve this issue and get back my account. I feel they are not customer friendly so I could report here as it is affecting me a great deal as I have to use PayPal quite frequently. My email linked to my PayPal is " XXXX ''. Please help me to recover my account as soon as possible. This will help me a lot. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened XXXX business accounts at Bank of America XXXX I order XXXX cards XXXX for my primary account the other an employee card for the secondary account however I added funds to the secondary account and it automatically without authorization or knowledge went into the primary account I called and spoke with a representative and was told the cards are attached to appropriate accounts and that I may have made an error with deposit into wrong account after further issues being the same I called in Again and was told on XX/XX/XXXX XXXX XXXX that both cards was attached to the primary account and that funds have been used from my primary account every time the my employee swiped their card my account was notated and I was told the issue was resolved however upon further issue I noticed the card was still attached to my primary account and my employee was able to directly have access to my business funds via XXXX atm and any other means and I was told by the bank that they cant issue my money back and that I can file a civil suit this has caused a great deal of stress both financially and emotionally and I just want my money back

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 2019-06-13
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
vigo  no pay my transacion sending last XX/XX/2019 today 9 day no have resolution my problem please call vigo  the number XXXX my name XXXX XXXX mtc XXXX this money for school my grand son hi no go school wait moment vigo  no pay a my beneficiario every day call for nothing thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
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:
Hello, I '' m reporting a problem because I did a pre qualify application with one main finical on XX/XX/2018 and it was supposed to be a soft pull on my credit. this application also said that my credit would not be effected if i applied I called them last month to prove to me if this was a hard pull or send me a letter and they could not provided any proof. Here is a link I used for the application. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. I was decline for a good rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX. Inquiries : 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 2020-07-13
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My husband and myself had a home equity loan through a local bank. It was sold to a company called XXXX. I have been paying my agreed upon monthly payment for months. One day out of the blue, they decided to start putting part of my monthly payment into an escrow account to pay my taxes and insurance. I had never agreed to this. My taxes were already paid and have never been overdue. This caused my account to look like I wasn't paying my full payments on my mortgage. I was told to send a written letter to them, saying to not escrow my taxes as I pay them. I sent the letter to them and they still have been putting part of my payments towards my taxes. 
XXXX has since gone bankrupt and my loan was now sold to Shellpoint. They have continued to escrow my account for the taxes. I have tried to resolve this through multiple phone calls with no avail. I contacted a lawyer at XXXX XXXX XXXX XXXX, and have been working with my attorney, XXXX XXXX. Shellpoint/XXXX and Mr XXXX had agreed upon an monetary amount to rectify my account. I sent a check in the amount of {$2600.00} to satisfy them, ( even though I never missed a payment, or was technically overdue on my payments ) but they continued to escrow my account and report that my account was not up to date. He has sent them multiple letters to have them correct the account, again, with no avail.They have been reporting to the Credit bureau that I have not been paying and therefore have been ruining my credit for years now. Even as of today, they are still charging me, escrow accounts, Insurance, late fees, property inspection disbursement and whatever else they feel like adding to my account. I will attach letters from my attorney to verify the above information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I won a case against a XXXX in XXXX. The judge ruled I notified the company in enough notice and was due a refund of the security deposit. The company sent the account to collections. I contacted the company and submitted disposition of the case. Hunter Warfield informed me that it does not matter what the court of law rules. They are in XXXX and I will be sued and taken to jail if I do n't pay. I can not understand how a debt collection agency state they have more power than the courts and they do not have to abide by the judges rule. This is a direct violation of FCA and illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: ARVEST BANK GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, Arvest Central Mortgage withdrew our mortgage payment in an amount that exceeded my normal payment by nearly {$1400.00}. I contacted them and the first response I received was " your county must have raised your taxes, resulting in an increase in your escrow. '' Knowing there was no way my taxes increased by that amount, I checked the XXXX County, Ohio website to see what taxes were paid on our 6 parcels and requested a copy of the recent escrow analysis.

It turns out that Arvest was paying on parcels that we did not own, paying incorrectly on the parcels we do own, and calculating our current and estimated future escrow account incorrectly. I contacted them again and they requested that I send them screen shots of the parcels we own, which I did. I am not sure why I had to be the one to tell them what parcels I own. I requested an accounting of where our escrow money was going, which I never received. Arvest stated that they contacted the county auditor to receive a refund of {$4200.00} for payment on a parcel of land of which we do not own. This was back in XX/XX/2021. It is now XX/XX/2021 and such refund has yet to show up on my account. 

Arvest stated they did have the parcel numbers incorrect. I then started receiving delinquent tax bills on 2 of our parcels. I reached out to Arvest again in XXXX and they stated they would pay it. I received another delinquent tax notice in late XXXX XXXX and reached out yet again requesting they pay the {$13.00} that was delinquent on 2 parcels. It appears they finally did. 

I also requested an updated escrow analysis that includes the correct parcels and taxes owed/estimated in the future in XX/XX/2021 and again in XX/XX/2021 and have never received it. In the meantime, I am still paying hundreds of dollars more a month because my account has yet to be adjusted for the overpayment of taxes and recalculation of future taxes. 

I have reached out to them via messaging and telephone calls multiple times asking they get this sorted and send me an accounting of just how they are using my money. This is mishandling of my funds and they continue to withdraw more money than they should each month. 

I can not get a straight answer from Arvest Central Mortgage and am extremely frustrated with this mishandling. I was on XXXX XXXX this summer and was not getting paid, so it was even more frustrating that they were charging way more than they should and mishandling the payments I was making.

It has been months since I requested this be taken care of and it has yet to come to resolution. I was told it could take 90 days for the refund from the county. It has been over 90 days and they did not adjust my account in the meantime. This was Arvest 's fault, yet I am still paying the price of their misuse/mishandling of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Regarding my Apple Card from Goldman Sachs, I have had this card for years and have built up my credit limit. Its my primary credit card. I added my partner to the card as a co-owner years ago. My relationship with my partner is now over and we both agree that she should be removed from the Apple Card. There is no way to do this. The account must be completely closed and if I wish to, I can re-apply for a new card. This creates more than an inconvenience and I argue is an undue burden on the consumer. I am unable to keep the credit I built, I have no guarantee I will receive the same terms when signing back up, and I could even be rejected for a new card, losing my primary line of credit Ive used for years. Closing and re-applying would negatively impact my credit score and would cause me to need to reconfigure recurring payments I make using the card. There is also an attached savings account I would lose that only I can manage ( the account co-owner does not have access ). Given the burden of this process, I should be able to remove the account co-owner without closing the account. In any other realm of finance, a secondary person can be removed from obligation and access - a quitclaim on a house, a title transfer of a vehicle, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Continental Finance Company, LLC
State: CA
Product: Credit reporting 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 have contacted all 3 credit bureau about this problem I told them I never opened this account and they keep sending it back as and not taking it seriously the account is closed and I ask for poof 3 times these is not my account.

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 2022-12-16
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My phone was stolen and my accounts were hacked. They stole all of my money out of my account and when I contacted my bank they stated that there was nothing they could do. This has really been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This investigation has been a on going matter. Transunion, XXXX and XXXX sent me a credit report XX/XX/2021 stated XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has add a derogatory mark on my credit report per XXXX XXXX Upon further research this account, Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact or written signature this does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( Transunion, XXXX and XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately. please provide

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX XXXX XXXXt # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX I.C. XXXX XXXX XXXX XXXX Account XXXX XXXX 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 states a consumer reporting agency can not finish 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 non-monetary relief
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) I have attached a copy of the cashed check dated XX/XX/XXXX to show payment was made timely. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2023-02-27
Company: Cedars Business Services, LLC
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a phone call and one letter from a debt collector called Cedars Business Services, claiming I owe money to XXXX XXXXXXXX XXXX ( XXXX ). I have been a patient there, but have not received a bill from them for the amount being collected, and have verified with XXXX 's billing office by phone ( XXXX ) that there are no outstanding charges under my name and birthdate and mailing or physical addresses. I therefore believe this is a case of fraud. 

The debt collector claims to have received the account information from XXXX in XX/XX/XXXX, but I did not receive a letter from them until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a car from us auto sales in XXXX  and they went out of business but now westlake portfolio management asking for payments to be sent to them and I dont understand how when us auto went out of business

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 2021-10-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened savings account online while there was a promotion to get {$200.00} for opening savings account and deposit at least {$20000.00} funds outside TD Bank into savings account and keep it for certain time. I have met all requirements for the promo to receive a bonus, but instead never got it and asked multiple time for it. TD Bank also charge a monthly fee for savings account, but it was disputed by me and fee was reversed as an error. All this time account never was under {$20000.00} except when TD Bank charge a fee that was reversed in few days and that was not my fault.

Company response to consumer: Closed with explanation