BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. There is several accounts that was open to fraudulently.

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 2023-08-01
Company: Experian Information Solutions Inc.
State: VA
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 XX/XX/XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX CARD SERVICES XX/XX/XXXX FIRST XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX XX/XX/XXXX SYNCB/CHEAPOAIR 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: LJ Ross Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
L J Ross Associates Inc has failed to validate an " alleged '' debt in the amount of. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: DE
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 received a copy of my credit report and found the following item unauthorized.

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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have let them know the debt was being disputed with XXXX XXXX, XXXX XXXX had no right selling the debt without my knowledge and in dispute since 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: T.S. Holdings
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in the XXXX XXXX XXXX.letter attached agmt to pay rent thru XX/XX/XXXX I moved before XXXX. 
XXXX XXXX hope Director and a Captain were aware of issue. 

I did not find out rent wasn't paid I nyil XXXX / XXXX who months after vacating apt now credit down XXXX points and bill in collections shown in this body is email to all concerned together with XXXX XXXX XXXX response to pay.. still in collections as of this moment. 

Sent from XXXX Mail on XXXX  -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Mon, XX/XX/XXXX at XXXX XXXX  Subject : Re : XXXX you didn't pay XXXX rrnt, XXXX XXXX It's in collections my name. 

Sent from XXXX Mail on XXXX  On Mon, XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX wrote : Hello XXXX XXXX, XXXX, this final bill will be paid. I will follow up with XXXX XXXX. Thank you. 

Get XXXX  for XXXX From : XXXX XXXX Sent : Sunday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : XXXX : XXXX you didn't pay XXXX rrnt, XXXX XXXX XXXX this please, XXXX. 

XXXX Sent from XXXX Mail on XXXX  -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX XXXX '' XXXX Sent : Sun, XX/XX/XXXX at XXXX XXXX  Subject : XXXX : XXXX you didn't pay XXXX rrnt, XXXX XXXX XXXX XXXX XXXX XXXX I pay XXXX XXXX XXXX told me she XXXX XXXX that XXXX XXXX XXXX from XXXX Mail on XXXX  XXXX XXXX - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Sun, XX/XX/XXXX at XXXX XXXX  Subject : you didn't pay XXXX rrnt, XXXX XXXX you didn't pay XXXX XXXX you promised XX/XX/XXXX please take care of this as you agreed XXXX XXXX Sent from XXXX Mail on XXXX Show less

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am out of work from the pandemic. I applied for the emergency PMAP grant from PHFA and the CARES Act for my Mortgage and was happy to be approved for a {$4600.00} grant ( equal to six months of my mortgage payments ). I was approved on XX/XX/XXXX. I was very relieved as I only have Unemployment right now. 
Since that time I have called and messaged Wells Fargo, my home mortgage company, over half a dozen times asking when they would attribute the money to my mortgage. PHFA said it was approved and waiting for Wells Fargo to act on their end. At first WF said they would let me know and by XX/XX/XXXX, then they pushed it to XX/XX/XXXX, then they pushed to XX/XX/XXXX. I have all of this in writing from them and attached. On XX/XX/2020 Wells Fargo called me and told they decided not to accept the money, because according to them, they think out of work people have plenty of other programs to save their homes and they did not think this one was needed. They actually said that. This is the only grant program to save my home that I have applied for, was granted or even know about.

Now they are refusing to accept the grant toward my mortgage. I do not believe they can dictate who I allow to give me money. It should not be their call. I asked if there was a particular problem my Mortgage or was this a blanket rule they have decided to make up. They said they decided that it applies to ALL Wells Fargo Mortgage borrowers. No one is allowed to to get a PMAP applied to their
mortgage at Wells. Other banks mind you ARE accepting the PMAP grant.

I am not in Foreclosure right now. My first missed payment was due  to the pandemic on XX/XX/2020. But this new rule Wells Fargo created to refuse payment is unacceptable and could cost many who were lead to believe were helped by the PMAP Government program to lose their homes. I thought I was in the clear after being approved for PMAP only to learn months later WF chooses to say no to money. Can you please help? This could effect thousands and there is no valid reason for them to decline the funds. Unless ofcourse they are trying to force home owners from their homes so they can Foreclose on the properties of people who lost employment from the pandemic. Which is just evil.

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 2023-03-02
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently pulled my credit report to find that LVNV funding was listed as a collections with all 3 bureaus. I havent received any paperwork or phone calls from this company regarding any balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: M&T BANK CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I approved the XXXX Dealership to see what % rate I was approved of from XXXX XXXX XXXX. 
The dealership auctioned of my car loan to several financial institutes that made my credit report go up XXXX points in less that 2 days.

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 2018-11-03
Company: Experian Information Solutions Inc.
State: CA
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:
Experian, XXXX  and XXXX are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.

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 2020-06-02
Company: ONE REVERSE MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
We were advised to get a Reverse Mortgage by One Reverse Mortgage. Funded on XX/XX/XXXX. Original Principal Limit : XXXX one lump sum that we could invest and receive a monthly income. We had no idea how the Current Principal Limit could grow now to be XXXX with monthly interest XXXX plus service fee and MIP compounding monthly. 
My husband was XXXX and I was XXXX. We were getting married. We had been living together in our home since XXXX. Since my husband added my name to the deed. My name was still in my maiden name. 
At the time the lender told us I was the non-borrowing spouse and couldn't be on the mortgage because of my age. Then he said, " no worries, '' you can be added to the loan when you turn XXXX! '' So we both signed. 
Since turning XXXX, we have been attempting to get help with this. We immediately called after my XXXXnd birthday as we knew how important it was. Now we are afraid if something happened to my husband I would have to leave our home I've lived in for the past 15+ years. We feel the lender violated the law during our loan process by telling us this. We never would have signed otherwise. We were not counseled about " risks '' but just options, i.e lump sum or not etc. He was predatory, constantly calling us to do this. Then afterward he was nowhere to be found to question. 
This reverse mortgage has been through many companies the final now being XXXX XXXX XXXX of whom we have contacted many times. 
We've tried for six years and now finally wish to get this resolved and behind us as to what will happen. We have called and we have written. ( enclosed ) The original adviser went to California and left Florida where our loan was made in our home. 
Dates of contacts were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX plus many more and many telephone calls. We have a very large file of information from years of trying to get help. 
We were particularly vulnerable I suppose and that's no excuse, but we trusted what the lender told us. I am now XXXX and have XXXX XXXX This would be a terrible hardship for me to leave my home. Reverse Mortgages may help some cases but in ours it has become years of anguish, regret, and constant worry. Be sure to understand if you are not married at the time of signing. They may tell you that you can be added later but it's not true? Beware of being taken advantage of during counseling. 
Most recent calls were made XX/XX/XXXX 4 times. Someone did call back only leaving their extension but no telephone number. We tried calling back many times but got no response. One Reverse Mortgage, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I only asking for the check refund I dont received yet

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 2023-02-13
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 2020-09-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Before covid I just regularly made payments in store at Nordstrom, where my account had not missed a payment in over 3 years, but on this date most retail clothing stores were closed in XXXX Florida due to increase in Covid positive cases. On XX/XX/XXXX I logged into Nordstrom Card Services ( https : //www.nordstromcard.com/auth/accounts ) to make a payment of {$100.00}. I saw that the ACH bank account on file online was an old personal bank account that no longer existed so I then added a new bank account and proceeded to make the {$100.00} payment. I landed on a " Thank you for making a payment confirmation page where there was no error, no payment incompletion notification, no reason to believe that the task was not done. Norstrom immediately sent an automated email to thank me for making a payment but couldn't send a similar email, or even at the time of making the payment let me know that the old account they were trying to pull ACH from no longer existed, and to try a different bank account like the one I just added and thought I was using to make the {$100.00}, and made another {$65.00} & {$150.00} payment with subsequently?? When I logged into make the {$65.00} payment I still had no idea that the previous {$100.00} had bounced thus charging me {$25.00} in chargeback fees each time, but " thank you for your payments '' on these next two. Recently I began receiving notifications that I had a serious 30-59 day delinquency from XXXX and other credit apps. I logged in to XXXX saw that Nordstrom was reporting me and since I was certain that I had been paying on time and in good standing, I filed a dispute. A few days later I received a notification that Nordstrom upholds that the delinquency was true, so I then proceeded to call Norstrom to get to the bottom of this. The first associate and I determined that no bank account could be found for the {$100.00} I submitted payment for but that day that I did log in to make that payment I had added a new bank account. As XXXX as my witness I had every intention to make that payment but nordstrom card services website tried debiting my old account rather than the new one I had just added, and did not make reasonable effort to notify me to use a different account to make that payment. Rather let me think I'm good at time of transaction and let 30 - 60 days go by before me finding out that I'm delinquent due to a website Error and Ommission. The first Nordstom Card Services associate transferred me to their  supervisor who understood what had happened here, but was forced to constantly reiterate the Fair Credit Act and could not remove this reported delinquency due to their website processing error. That this would be a courtesy removal and would put Norstrom at risk for fines and investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX violated my rights.

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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 Issued me 2 temporary limitations on my account, after getting all my valid information they Permanently banned me from using their services and refused to let go of my funds. 

On XX/XX/XXXX, XXXX Paypal lssued me A " temporary Account limitation because I received money from a family. They asked me for my personal information, which I provided with all my valid info and so, they promised me to Restore my account so I can withdraw my Balance. Two days after, they sent me another " temporary account limitation '' that required me to send a Valid ID. I sent My ID from the XXXX XXXX and they accepted it. On XX/XX/XXXX XXXX, they sent me an Email that says my account is " Permanently Limited '' which I don't deserve since I did not violate anything and was simply receiving my money. On the same day at XXXX, they sent me another email saying my " Account is partially restored '' but when l checked it on my PayPal account, IT IS STILL PERMANENTLY LIMITED. I have a balance of XXXX. XXXX on my account which is needed to purchase an equipment for my XXXX XXXX, however, this PayPal is prohibiting me to withdraw or transfer my money. 

I messaged them countless times on XXXX, XXXX and XXXX but they only responded with unethical reasons and fake promises to restore my account. After banning me from using PayPal, they stopped responding to my complaints.

Company response to consumer: Closed with explanation