BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/2022 I recieved an correspondance that was submitted to the consumer Financial credit beuerer CFPB # XXXX XXXX XXXX submitted a fradulent letter stating that they conducted an ivestigation how ever in their correspondence the aknowledged that thhey could not verify the information without verberly speaking to me they did not verify because the bankruptcy that is on my credit report is unverifiable they have a fedarl obligation under the statue to delete this information permentky XXXX XXXX knownkly and intentionally sold un verifiable information to XXXX XXXX and transunion more speciffically under 15 USC 1681 a states Accuarcy and fairnes of credit reporting. The congress makes the folowing findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy. Also under 15 U.S.C 1681 b the law is very clear that XXXX XXXX is violationg m consumer rights and violating the fair credit reporting act as follows In response to the order of a court having jurisdiction to issue such a federal grand jury. In accordance with the written instructions of the consumer to whom it relates. At no time have ive given consent to XXXXXXXX XXXX XXXX to sell my private information more specifically it is not verified by there own emmission.

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 2022-12-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, As violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
It shows I purchased something on PayPal that I was not aware of for {$100.00} Id like a refund but dont know how to go about it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: TX
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:
My name and address do not match what is on my identification card. I'm asking that you remove the addresses below because I'm afraid of identity theft. Please have the following names and addresses removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-12-04
Company: Holloway Credit Solutions
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat your payment on a credit card account under an open end consumer credit plan as late for 286 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Paypal Holdings, Inc
State: WA
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:
XX/XX/2021 Amount : {$27.00} It says in the email that my PayPal account has been limited. And that I need to either login or submit a payment cancellation form. When I went to the website it said that this information is serious. Also, it said that Im being charged on my PayPal account {$27.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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:
New inquires just recently popped up on my account that i am unaware of, they are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-07-03
Company: KEYCORP
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:
Key bank is reporting a XXXX balance on a XXXX max credit line which the supervisor of keybank agreed to remove this account due to my police report submited and frozen reports to in place .XXXX, and XXXX please remove this Account ASAP. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/23 Roundpoint Mortgage Servicing LLC issued a refund for the amount of {$160.00} from the escrow account attached to my mortgage. 

On XX/XX/2023 the escrow check was deposited into my checking account. 

On XX/XX/2023 the check was returned as unpaid by my bank, marked as Non Sufficient Funds ( NSF ) and the complete amount of the original escrow check was withdrawn from my bank account ( {$160.00} ). The bank also charged a {$10.00} fee for the returned check. 

On XX/XX/2023 I sent a Error Resolution Notice to Roundpoint Mortgage Servicing LLC under 12 C.F.R. 1024.35 notifying them the check had been returned as NSF and requested reimbursement for the returned check fee. 

As of XX/XX/2023 they have not acknowledged or responded to my Notice of Error.

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 2022-12-04
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC Section 1681 Section 604 A Section 2 : It also states a consumer to furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: World Omni Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been trying to get my title for my car since I paid it off in 2020. I received a letter from Southeast Toyota Finance on XX/XX/2020 stating my account was paid in full. The letter stated that the state would provide a paper title to the address indicated on the paid in full documents. I never received my title. 
I have spoken with Southeast Toyota Finance on numerous occasions, as well as speaking with their parent company World Omni Finance Corp. On XXXX I spoke with XXXX who said he found " errors in the title release, error response from state : XXXX  '' There were two errors on XXXX and XXXX. He said it should take a couple days to release my title. I called and checked with XXXX  XXXX and XXXX  XXXX and they said the car was still titled to World Omni Finance Corp. 
I called Southeast Toyota Finance again and spoke with XXXX on XXXX and got a case number. They " escalated '' the title release and said it should take 5 business days to release. I called XXXX  XXXX and they said the title was still held by World Omni Finance Corp. 
I called the company back the following week and spoke to XXXX on XXXX and was told my title had been " released '' and that I should contact the XXXX -- when I contacted the XXXX  XXXX and the XXXX  XXXX the following week, they said the title was still held by World Omni Finance Corp. 

I was instructed to send my lien release letter to XXXX  XXXX to receive my title -- XXXX  XXXX sent the lien release letter back saying they needed more documentation and a " lien release notarized form. '' I was then instructed by XXXX  XXXX to contact XXXX  XXXX to get my title. I contacted XXXX  XXXX and they said to send the lien release letter to them to receive my title. I did this and the state received the letter on XXXX but I still have not received my title. 

Since XXXX  I have moved states, from XXXX  to XXXX XXXX, and I have been unable to register my vehicle in XXXX XXXX without a title. My XXXX  registration has expired because I no longer have XXXX  car insurance. My vehicle, which I have completely paid off is now un-drivable because Southeast Toyota Finance and their parent company World Omni Finance Corp have refused to release my title. I called XXXX  XXXX on XXXX and spoke with a representative who said the car was still titled to the parent company World Omni Finance Corp. I tried to call Southeast Toyota Finance again yesterday, XXXX and spoke with XXXX XXXX and in the middle of the call the line got a busy tone and then the call ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, As violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written
instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, We are issuing a formal complaint against United Wholesale Mortgage ( UWM ) who currently holds our mortgage and escrow account. We believe has violated the law under XXXX. Detailed below is the months long process of attempting to correct our escrow account, have funds owed to us refunded by the institution, and have our escrow payments revaluated to the appropriate amount required to make all payments ( property tax and insurance ). 
UWM practices are unfair to the public. As you can see, it has taken 13 calls to UWM to have our escrow account reevaluated, in the meantime, we are required to pay ~ {$600.00} essentially overfunding our escrow account. We still are required to write a letter to have funds owed to us returned, with no guarantee the funds will be returned to us, not documentation or letter provided to us as to the result of their investigation.

The definition of Unfair per the CFPB : A representation, omission, act, or practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material. 
An unsubstituted increase of {$600.00} a month in escrow funds is a significant impact to us the consumer. That amount is not insignificant and it carries a financial burden. In the information detailed below, it is clear the UWM staff mislead us, did not provide promised follow-up, failed to provide details as to the review of our account.

Although their UWM staff appear to be untrained, providing misinformation, and making promises they company cant keep, truly it seems as though the customer service is set up to deceive their customers. As outlined in the CFPBs definition of deceptive acts or practices : A representation, omission, act, or practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material.

It is clearly evident in the details below that the misinformation provided by UWM staff is purposeful, designed to confuse and frustrate people into giving up.

See attached letter for full description and timeline

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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: Credit inquiries on your report that you don't recognize

Complaint:
New inquires just recently popped up on my account that i am unaware of, they are as followed : XXXX XXXX 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 2022-09-23
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:
New inquires just recently popped up on my account that i am unaware of, they are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2022 I filed a XXXX  complaint against Capital One for reporting adverse credit file information to all three bureaus related to an account that was not mine. I also contacted them multiple times at their Complaints Email address. They never responded at any point directly to my complaint. They did, however, remove the account that was not mine when I challenged the ownership of the account through all three bureaus. So the original issue has been resolved. However, do to the bizarre nature Capital One 's response to my complaints, there are new issues. First, they began to report new false information. Each of my Capital One accounts including my auto loan are now reporting " Customer Disputes. '' That is 100 % false. I never disputed those accounts. I only disputed an account that was not mine, which is now gone. Also, they deleted my auto loan from my XXXX credit report. That mistake needs to be corrected. I never disputed that auto loan, and I never asked for it to be removed from my report. My accounts with Capital One have a flawless payment history and responsible use. I expect this positive information to be reported, and there is no valid reason to have dispute status on my accounts when they were never disputed. Lastly, Capital One needs to stop sending me pieces of mail that make no sense. I have gotten several letters from them since my original dispute that say, " Sorry, but a careful review of your account shows it is not eligible for Service Members Civil Relief Act. '' Wow. Totally irrelevant. I sure wish they would have humans instead of computers handling these situations, because they keep making this same XXXX. I also got a piece of mail saying they are trying to contact me about my auto loan account based on my inquiry, I made no such inquiry. My auto loan has a perfect payment history, and there was no dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XX/XX/2022 XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: U.S. BANCORP
State: NV
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. US BANK CONSOLIDATED Inquired on XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation