BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have inquiries and or accounts on my credit profile I did not authorize

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit 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 non-monetary relief
Consumer complaint received 2019-01-29
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
have been a victim of online fraud for the past 3 months and no one has been helping me in this process. 
A total of {$4300.00} was stolen from my bank account, using my debit card online. 
These charges were made using card number XXXX and XXXX. I bank with XXXX XXXX and they were informed of these charges. 
These charges were made, seemingly under the name Paypal. I called Paypal immediately following XXXX Monday and explained that I had noticed what looked like double charges or unauthorized charges on my account. They explained to me that I was going to be reimbursed and that these charges were going to drop. 
A very small number of these charges were put refunded and put back into my account, not all of them and then new charges started appearing. 
I've contacted Paypal multiple times and eventually, via XXXX one of their representatives told me to pursue my bank for these charges because they couldn't help me. 
I then contacted my bank. I printed and handed them the complete transaction list with all the unauthorized transactions marked out, a copy of all my Paypal activity page ( to compare with the authorize transactions ), a copy of my XXXX  activity and purchased Items page ( for comparison ), a cover letter explaining these charges. They kept all these documents for three days before calling me back to let me know that it was too much paper work and that they couldnt get it all done in time. 
I took the documents back and for the next four days I worked on completing out 114 dispute files and turned them in with my cover letter, another more recently copies of my Paypal Activity page, updated XXXX Purchased list, my police report information, a copy of the transcript of my communication with Paypal ( in which they tell me to pursue this through my bank ) as well as separate information and files about two other charges that were not Paypal related that I was disputing. and turned them in. 
After 13 days I contacted XXXX XXXX today and was told that my dispute was declined because the investigator had contacted Paypal and was told that they have been working with me on resolving this and that I would be refunded through Paypal directly. The XXXX XXXX representative also told me that I should receive a letter in the mail explaining that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XXXX of 2018. At the time of closing, my homeowner 's insurance was paid to the insurer listed on my closing documents. This policy was paid in full at closing for the calendar year. In XXXX of 2018, my old insurer, XXXX XXXX XXXX sent a bill to Wells Fargo indicating that my insurance had lapsed and they needed payment. Well this was due to the fact that I changed insurance during my refinance. Wells Fargo decided to pay over {$3500.00} total to XXXX XXXX XXXX out of my escrow account. It should have been researched to determine that I already had insurance paid for at closing, but rather they just sent more funds out of my escrow account. Now Wells Fargo is telling me that I am not due a refund of these additional funds they paid out of my account. This is incorrect. My insurance was paid at closing and the error was made by Wells Fargo. They have now told me to try to go after XXXX myself to obtain a refund. Why would I do that when it was not my mistake that caused this? Why would XXXX XXXX have any reason to refund me when it was a policy that has been in place incorrectly due to Wells Fargo 's mistake. I am asking that this be resolved immediately by refunding the additional insurance funds that were taken out of my account incorrectly. If need be, I can have my lawyer pursue this as well.

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 2019-10-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage has went up almost {$250.00} over 3-4 months. 
My property taxes has decreased due to a {$50000.00} exemption but my payments are still going up every 2 months. They have A, B options That are being offered to me which I've never heard of. I've never authorized/chosen any of them but they add them anyway. Its increasing my mortgage payment from {$1500.00} in XXXX to {$1700.00} XXXX. They're excuse is " my escrow acct '' and taxes increasing..However my taxes has decrease. I'm not getting anywhere with these ppl.. My mortgage is becoming unaffordable due to their compounding. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: DISCOVER BANK
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: CT
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 2019-01-29
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
STATEBRIDGE COMPANY continues to engage in fraudulent and deceptive practices regarding my mortgage # XXXX, NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX Florida XXXX. On XX/XX/XXXX Statebridge sent me a letter finally confirming the proof of insurance I had sent them on numerous occasions, stating the forced placed insurance they assessed me for has been canceled as of XX/XX/XXXX. Statebridge has received mortgage payments from me, on time, in the amount of {$1500.00} each month but has failed to apply these amounts to my account. Statebridge has cashed these checks according to my banking history but has not credited me for them. They have charged me late fees and are now demanding payments they have already received. On XX/XX/XXXX I received my mortgage statement for XX/XX/XXXX and Statebridge continues to charge me for forced placed insurance, continues to charge me late fees for payments already received and HAS NOT credited my account for the forced placed insurance the assessed me in error. THIS GOES BEYOND GROSS NEGLIGENCE OR INCOMPETENCE, THIS IS A DELIBERATE ATTEMPT TO CONTINUE WITH THE FRAUDULENT PRACTICE OF FORCED PLACED INSURANCE. The history of this issue, documented on this website, clearly shows this company, STATEBRIDGE, is acting in deliberate bad faith and should be investigated by the attorney general immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Capital One continues to claim that the solicitations and advertisements they send me will not affect my credit to which is absolutely untrue and I have in excess of over 20 plus inquiries on each of the three major bureaus. I have sent out request letters to have this corrected and the inquiries removed to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous unauthorized inquiries on all three of my credit reports ( XXXX, XXXX, Transunion ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : Transunion : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX    XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX  : XXXX XXXX/XXXX   XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX   XXXX  XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX XXXX : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX   XX/XX/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 2023-02-02
Company: Comerica
State: UT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have tried to get a replacement card from direct express, and can't get a hold of anyone anymore, and they refuse to send me a paper check for my money on my count. XXXX will not replace my money either. So I have 0 other choice but to do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03
Company: Experian Information Solutions Inc.
State: NY
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:
When I received my Experian credit report in XXXX there are three inquiries that should not be there. XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX and XXXX XXXX/XXXXXX/XX/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 2020-12-05
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account named ERC or Enhanced Recovery Co L has fraudulently reported a debt through what is listed as XXXX in the amount of {$440.00} to my credit report on XX/XX/2020. I have no prior acknowledgement of this account and received zero communication or information from ERC or XXXX prior to this debt collection landing on my credit report. I have been a victim of fraud and theft of my personal information including my social security number in the past. I know 100 percent this account is fraudulent. When requesting information regarding this account through ERC the employees became hostile and refused to provide any information to me as to the legitimacy of this account. I also have no documents of this account aside from it being listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CITIBANK, N.A.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Best Buy has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-12-12
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Tried to payoff the loan in full and they refused to accept payment. They then sold my account to a collection agency ( XXXX XXXX ) which I was able to pay in full.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX {$1000.00}

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 2020-09-11
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement  and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond,  within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I have no other names at all. I see unfamiliar addresses Ive only lived in 1 place XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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:
I sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the certified XXXX # XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge of concerning any such items of information.

They stated my account was verified but how is that possible if they didnt not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything must be 100 % Accurate. I have the credit reports showing the inaccuracies. The Credit Bureaus stated my accounts was properly investigation, but how is that possible if the opened dates is inaccurate, the dates last active is inaccurate, last reported Is not accurate, last payments is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also next to each account In parenthesis is the count of violations. Also, I have downloaded a current copy of my credit report and I have circled each violation. 

List of the Accounts XXXX XXXX Account # XXXX ( 9 Violations ) XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX XXXX- Account # XXXX ( 8 Violations ) XXXX- Account # XXXX ( 8 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX XXXX- Account # XXXX ( 10 Violations ) XXXX XXXX- Account # XXXX ( 7 Violations ) XXXX XXXX XXXX- Account # XXXX ( 9 Violation )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: ME
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 sent a Letter ( his second hand letterdelete inside brackets ) on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is suppose to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried and wrote to have the wrong addresses and aliases names removed from 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