BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2022-01-14
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Yesterday at approximately XXXX PM EST in XXXX MD, someone used a fake PayPal debit card ( mine was in my wallet ) along with my PIN and made XXXX unauthorized ATM withdrawals from my account for {$44.00} each. XXXXncluding ATM fees, each of the XXXX transactions came to {$46.00} for a total of XXXX. 

Upon the XXXX attempt, PayPal sent the following text : " PayPal : A {$44.00} USD purchase with card XXXX at XXXX was declined. To retry this purchase, reply YES. To lock this card, reply NO. Text STOP to turn off texts for this card. '' After receiving the text I replied " no '' which locked the card, but the money had already been taken. 

When I disputed the XXXX transactions with PayPal, they responded ( within XXXX hours ) with the follow message in email for all 3 transactions : " We received the case ( XXXX ) you filed on XX/XX/2022. We have reviewed this transaction ( s ) and are denying your case ( XXXX ). If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal Debit Card Department Attn : Dispute Resolution XXXX XXXX XXXX XXXX, NE XXXX United States XXXX XXXX I will formally request this " investigation '' information but it's obvious that PayPal has no intention of protecting me against fraud ( for {$130.00} ) and based on what I'm reading, anything over {$50.00} is illegal, so I would like someone to hold them accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29
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: Investigation took more than 30 days

Complaint:
Hello Ive recently purchased a XXXX XXXX XXXX from a small car lot called XXXX   XXXX  in XXXX XX/XX/XXXX. My finance company which is XXXX XXXX   financed me for a little over 15,000 $ for my car. I only purchased the vehicle because I was trying to start building my credit to buy a home next year. Ive been making my payment ON time since I have had the car. But received nothing but poor customer service and attitude. I was recently hurt on the job XX/XX/XXXX and was out of work for 4 months. Still making every payment on time all to find out that XX/XX/XXXX was the LAST time they reported my payments to the Credit bureau Transunion. My payment is due twice a month with the amount of XXXX. $ bi weekly. I noticed my credit score didnt really go up and I also have 2 credit cards that I pay on time every month. So this last time I made my payment last Wednesday I asked the agent who took the payment how come my credit score hasnt went up from making my payments on time she then expressed to me that their system has been down since XX/XX/XXXX. I was disappointed because Ive been working so hard to build my credit all for them to not be reporting and didnt even reach out to customers to let them know whats going on. They was trying to be sneaky and got very hostile when I told her I would have to report this to the credit company and another 3rd party to get this resolved. The agent couldnt tell me an exact date on when their System would be back running. Once I contacted Transunion they expressed to me that no credit report was given to them since XXXX of XXXX this is very unacceptable and I would like to take further action. This finance company doesnt even allow you to make late payments or your car wont start and they will repo it. So for their policy to be so Strick they should be on top of things and follow the rules and regulations as well! I will never recommend anybody to finance with this company XXXX XXXX they are a rip off and have high interest fees and very very unprofessional and on top of that they dont even offer gap insurance which is a very significant perk to purchasing a car. Its very important but that goes to show you how cheap they are.

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 2018-01-08
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Roundpoint Mortgage Servicing I submitted my Loan modification application with all proper documentation on X/XX/2017. The company kept saying they did n't receive it or it wasnt complete. During that time they even removed my application and said I had to start over. I resubmitted 13 times and made hundreds of calls over the past few months. They finally said my application was complete on XX/XX/2017. I am awaiting their response now. I believe my application should have been fast tracked and I still have to wait.

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 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called Capitol One 2 times previously about this same issue. It appears that Capitol One is trying to draft payments from a frozen Capitol One " Free Checking Account, which is no longer active ''. The account it is not the bank account listed for credit card payments. Apparently I do not have a choice of bank accounts used to make payments automatically debited for credit card payments. I do not expect to see {$35.00} charges for an issue which remains the subject of my stress. I do not want my credit affected by an ongoing issue with Capitol One. I received another email telling me that my payment was unsuccessful. I then go to my bank account and to my surprise no payment was taken. I go into the Capitol One Dashboard and just as I suspected, " even after 2 calls to customer service '', the issue has not been resolved. I want Capitol One to remove the inactive checking account ( and saving accounts ), return the {$35.00} fee, and utilize the correct bank account for all upcoming payments. Upon checking the XXXX XXXX  account is clearly listed on the account as the payment account. I did not elect Capitol One Checking as the payment account and if I didn't know better, I would suspect Capitol One is trying to fee gouge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
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:
XXXX-XXXX cancelled my cable service that is paid via my condo association ( tenant requested to have internet service put in their name and XXXX accommodated without my consent and then erroneously canceled association funded cable service ).. when I called to correct the error on my Acc # XXXX they conducted a hard inquire on my credit on XXXX XXXX 2017 that I never authorized.
. I authorized the same past billing inquiring that was conducted when I initially was provided cable service prior to the erroneous cancellation. XXXX was only to check to see if I had any outstanding unpaid XXXX/XXXX balances with their company not perform a hard inquiry on my credit report on a service that should have nevr been canceled in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, I applied for forbearance in XX/XX/XXXX due to the Corona Virus shutdown. 
My lender, Citadel Servicing Corporation has been challenging to work with. 
Every month I have to beg to make my monthly payment, as my over {$50000.00} in past due payments have not been deferred due to a change in servicers within the Citadel Servicing Corporation in XXXX. 
I had been reported late to the credit agencies which I was able to get removed after months of negotiating with Citadel. However, the credit reporting suppression is on a month-to-month basis and every single month I worry that they will deny my request for the coming payment period. 
It is of immense importance that my outstanding credit stays intact as I am tirelessly trying to refinance my loan so I can move on from this horrible situation. 
Moreover, I applied for the California Mortgage Relief Program and have submitted all necessary documents. 
The California Mortgage Relief Program will cover past-due mortgage payments in full through a grant of up to {$80000.00} per household. The money will go directly to a homeowners ' mortgage servicer. It's free to enroll and funds do not need to be repaid. 
My case qualifies for this grant and I have been in constant contact with the California Mortgage Relief Program. 
My lender, Citadel Servicing Corporation has not signed up for the program and I have kindly asked their representative to forward a written message from the California Mortgage Relief Program to upper management in order to consider joining this amazing supportive initiative for struggling homeowners like me. 
Please help me reach Citadels higher management and ask them to join this program that was established to help mortgage holders, and lenders to take care of delinquent payments. 
Thank you very much. 
With best wishes, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: Experian Information Solutions 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:
Hello, I am writing this letter in order to clarify the situation where I do not recognize none of these accounts. Please check it and remove as maybe somebody used my name or my personal data. I do not know how they appear in my 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 2022-10-04
Company: Coast to Coast Financial Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Coast to Coast Financial Solutions is attempting to acquire payment for services performed by XXXX XXXX XXXX. 

In XX/XX/22 I asked XXXX to provide me my current agreement. They acquired the company that I had an active agreement with that stated pest treatment would almost completely reduce the amount of pests on the premises. 

Since their acquisition, they did not meet the terms of the agreement in place with the previous vendor. I sent in a request for help in XX/XX/22. No one responded in over a month. 

At this point, I had to hire another vendor. XXXX responded by threatening sending me to collections. I asked them to confirm the level of service per the agreement. They sent me to collections. 

1 ) The debt collector has Failed to provide me with information that allows me to verify that I owe a debt for services not rendered - i.e. pests control services did not result in pest control 2 ) The debt collector is Attempting to collect fees or additional sums not allowed for in the original contract At this point I feel harassed and taken advantage of and I want them to leave me alone.

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 2018-01-07
Company: Experian Information Solutions Inc.
State: AZ
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 a victim of identity theft. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.

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 2021-11-05
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS IS MY 2ND REQUEST TO HEAD MERCANTILE CO INC about a alleged debt of XXXX that i don't owe. my first response was XX/XX/2021 in which they didn't respond and this was my last request about this inaccurate item on XX/XX/2021, which they has not answered.they have violated 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. As well as 15 usc 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Kashable LLC
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have read enough to understand my rights. The late history should not be showing late as reported in my 3 Credit Bureaus because I think I paid on time. The Bureaus are attempting to violate this clear understanding. Please Investigate and report the payment status positive and update all late from reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been in dispute with XXXX about this bill. I have had it removed from credit due to dispute with other collection agency, only to have it moved to another collection agency and placed on credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I got loans in XXXX through Sallie Mae XXXX I graduated XXXX in XXXX with a BA degree. Navient acquired the loans in XXXX. In XXXX the loan balance was $ XXXX. I've made payments as best I can for 20+ years. I've paid $ XXXX over the life of these loans and the balance today is STILL $ XXXX. I have tried to negotiate a payoff amount or designate more of my payments to go to the Principal instead of Interest so I could lower the Principal amount ( and therefore interest ). The only thing Navitent is willing to do is multiple forbearances or income based repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: AMERICAN HONDA FINANCE CORP
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 account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( AM HONDA FIN XXXX Opened date : XX/XX/XXXX Balance {$5700.00} ) The late history shouldn't be showing days late ( XX/XX/XXXX ) because I believe I paid on time. Please adjust the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Dovenmuehle Mortgage, 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: Account status incorrect

Complaint:
Prior to XX/XX/XXXX, I had requested a forbearance extension and was told by my former mortgage company - Dovenmuehle, to have granted the forbearance extension. However, they went and ended my forbearance during the midst of pandemic against my will and forced me to pay back without my acknowledgement and agreement. I had called them multiple times and asked them to correct it in their system which they told me at the time that everything was being taken care of- they never did. 

Eventually, they placed my mortgage account under delinquency and filed a credit report against me with the credit bureau for the two ( 2 ) missed payments of : XX/XX/XXXX and XX/XX/XXXX. They, then, transferred my mortgage to my current lender, XXXX XXXX  Company, early XX/XX/XXXX without correcting their mistake. 

XXXX helped me complete the loan modification and made my account current in XX/XX/XXXX. I have been making monthly mortgage payments to XXXX since XX/XX/XXXX up to the present without any missed or late payments. 

However, Dovenmuehle ( my former mortgage company and no longer with me ) continues to flag and report me with the credit bureau regarding those missing payments back in XXXX. They recently reported me in XX/XX/XXXX. As the direct result of their false credit report and unwillingness to fix their mistake, I am unable to refinance my property which is causing me thousands of dollars on mortgage reduction. 

I am not able to move forwards with refinancing because of Dovenmuehle. Please help me resolve this as I do not know where to turn to for help. 

Thank you very much for your help!

Company response to consumer: Closed with explanation