BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently realized my identity had become compromised and that I had become a victim of identity theft. I reached to all three of the major consumer reporting agencies to file a dispute an to submit an identity theft report as instructed by my local law enforcement agency. I included a copy of my drivers license, utility bill, and social security along with an updated copy of current address, name, and etc. I also was sure to include in the identity theft report a list of the fraudulent addresses associated with the fraudulent accounts to make sure the were removed from my credit file. Some of the accounts in question, being the identity theft report would only allow me to list 5 are 1.XXXX/XXXX  XXXX  XXXX  # XXXX, 2. XXXX XXXX XXXX  # XXXX, 3. XXXX # XXXX, 4. XXXX XXXX XXXX  # XXXX, 5 XXXX # XXXX. I received a vague notice from Transunion Report # XXXX stating they were not able to honor my request due to my documents not being ledgible. I find this unacceptable due to fact it was legible enough for Transunion to mail this bogus response back to me.This This highly unacceptable when I provided Transunion more than the required documents and in addition Transunion has not provided any proof nor has provided any nor accurate verification period. Anyone who would have access to my personal information would be able to fraudulent open or establish accounts in my name. Transunion has violated the Fair Credit Reporting Act sections 605b, 609, and 611. I have sent Transunion more than enough of supporting documentation supporting my claim and yet these fraudulent accounts sill remain on my credit file. My consumer rights have and continue to be violated, not to mention denial of credit from creditors continues to be an issue.

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 2016-08-14
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I pulled my XXXX credit report to find a debt of XXXX dollars the collection agency not XXXX never informed me that they were putting anything on my credit file. In XXXX XXXX I called XXXX to terminate my service with them. They charged my bank card XXXX dollars which was with XXXX XXXX XXXX XXXX. Then I called direct tv to ask them why they stated at the time it was for an early termination fee. I informed them I was under no contract with them. They stayed yes I was for two years, I asked them to provide the contract and they said that they did n't have the contract but I was under contract when I upgraded my satelite equipment. I returned the equipment via mail and then disputed the charge with my bank. XXXX XXXX XXXX XXXX reversed the charges. I thought I was now done with this, but I pulled my credit report in XXXX XXXX I noticed a collection from Afni which was a collection agency for XXXX, they had first reported it in XXXX XXXX. Afni nor XXXX never informed me that they were reporting anything to the credit bureaus. I called them in XXXX and was told the report was for XXXX dollars, and said that it was an early termination fee, unpaid service and missing equipment. My service balance was XXXX in XXXX XXXX. In addition as was previously mentioned, I returned the equipment and was under no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage company Ocwen Loan Servicing , LLC took over our account from XXXX XXXX. They changed our online account access and we are no longer able access our account. We followed the enrollment process and they have made it impossible to access our account. We discovered they were pulling from our account almost 30 % of the need escrowed value. This is being done fraudulently. We have made repeated calls and got no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Id like to open a complaint on Genesis FS Card Services , Inc . 
It appears they Im not the only client having ongoing troubles with this credit card company. There are multiple open complaints on them through XXXX XXXX XXXX I paid {$120.00} in XXXX to make my account current they promised a new card. XX/XX/XXXX they advised I was current but said they they received a request for an address change which I had not made. XX/XX/XXXX they reported a second fraudulent account then closed it but then opened it added remarks and closed it with remarks that Im not privy to which tanked my scores. Now I cant reach customer service and still cant dont have a card and cant access online services. And theyre now requesting {$80.00} to bring my account current. This seems very fraudulent and rather illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: ALLY FINANCIAL INC.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
XXXX XXXX, XXXX, my husband and I went to XXXX XXXX, XXXX IN to look at vehicles. We thought we had purchased a XXXX Ford Edge. Ally financial was the finance company who was financing the vehicle. We took the vehicle home that same night. I put insurance on it but I was never able to register the vehicle. I received a letter of denial from Ally date XXXX XXXX, XXXX stating they could not finance the vehicle. I called Ally and I called XXXX in regards to the letter of denial. Ally said I should contact XXXX. I returned the car on XXXX XXXX, XXXX. I could not get anywhere with XXXX. Ally processed the loan anyway even though I had returned the car. The car was sold at auction some time around XX/XX/XXXX. Then they claimed that I still owed them {$8800.00}. This is a charge off. I do not owe them anything. There was never any agreement to the modified terms of the contract. I never signed any additional papers. There was no meeting of the minds. And once you make changes to the original contract that voids the deal. Which is what happened. I have supporting documents to prove my case.

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 2022-04-11
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
When the fraud first occurred I called I notified the bank about all the transactions they said dont worry will take care of this yeah you wont be liable for anything fast forward to today theyre reporting the account as two months past due theyve added numerous late fees and interest and it says I owe XXXX dollars Ive called them since then and I spoke with the fraud department very nice guy he said oh were sorry we must not have gotten those transactions in with the original fraud claim OK so they missed a couple I wasnt mad as long as they would fix it but the trouble is is theyre not fixing it called the third time I was told the same thing that they were going to fix it not to worry but my account is still past due I should have a XXXX balance in addition to that I have contacted them through their website the message Center when they respond they never give me any answers never I have a long history of this it seems like no matter what I asked they never have an answer I mean I could ask what color grasses and they would say were not sure you should call this person or that person theres no help at all I dont know what these people are getting paid to do because they dont help your customers and then at one point you said that someone is calling me while I travel a lot and I travel internationally a lot so Im not always able to receive voicemails or phone calls but even when I get back to the XXXX I check my voicemails there is nothing from you and Im explain to you that I dont need you to call me I dont need you to say sorry I just need you to fix it in the final straw was he sent me a letter that is extremely vague I have absolutely no idea what it means in the letter I just want these last transactions to be fixed you made a mistake not me youre fine department admitted that already

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 monetary relief
Consumer complaint received 2016-07-14
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX we received a mortgage modification through the federal making homes affordable act. Later that year we had to file chapter XXXX. Because we were in bankruptcy our mortgage company stopped sending us statements. We continued to pay the amount specified in the modification and everything seemed fine. 

XX/XX/XXXX I logged into the banks website and the payment due had doubled. We had no idea why so we contacted them. Their help was minimal only saying there was an escrow shortage. We demanded an accounting of the account and a month later we received it. 

The document showed that XX/XX/XXXX some {$2400.00} had been pulled from our escrow account marked as 'POS escrow shortage '. When we contacted them to ask what that was for they could n't give us an explanation. 

It should be noted that XX/XX/XXXX we converted our chapter XXXX to a chapter XXXX. 

From XX/XX/XXXX until now we have continued to pay the modification payment while attempting to get an explanation for this missing money. They continued to demand double payments and continually put the payments we sent in into 'suspense ' all while demanding this extra money. 
XX/XX/XXXX their attorney filed a motion with the bankruptcy court to allow them to file for foreclosure due to us supposedly being late. When our bankruptcy lawyer sent a letter to their attorney demanding a accounting of the missing money they got nothing. Their attorney eventually tried to get the motion he had filed dismissed stating to my attorney that the bank had ignored his request for information about the missing money. 

My attorney brought this up with the judge today but the judge stated he would n't rule on it since the bankruptcy was going to be finalized within a week. He told my attorney he could bring this up in a state court ( during another foreclosure case ). 

So now we are stuck and within the next two weeks the mortgage company will be able to file for foreclosure even though they outright refuse to tell us where this money went. I have done an escrow sheet without the {$2400.00} removed and there is literally no shortage whatsoever. 
We have almost no means to fight this and especially since the mortgage company refuses any and all requests to account for the missing {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The dates shown on my credit report are incorrect. This is several years old and the info on my credit report shows that its recent.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: MO
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 ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$11000.00}

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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2022-04-11
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Each month I have paid my balance in full. In XXXX of XXXX  I did not make my payment by XXXX cents because I switched the numbers. In XXXX of XXXX  I paid in full in XXXX I made two payments one in XX/XX/XXXX and one on XXXX that totaled my full balance and then some. I then got my statement and noticed a {$16.00} interest charge. They said its a rolling interest because I did not pay my balance in XXXX. So even though I have paid my balance in both XXXX and XXXX because I made two separate payments in XXXX before the due date I am charged a fee. I called and said this was a new policy that was put in place during Covid. I spoke with XXXX and he said it can not be refunded. I am disgusted that I was charged XXXX after I pay my balance in full. This is through BJs whole center commenity bank. They offered no help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30
Company: Critical Resolution Mediation LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
" XXXX '' from XXXX XXXX XXXX, is obsessively calling me on my personal line and my work line, stating that a criminal charge of check fraud has been attached to my social security number and state ID. She did not even mention a debt, just continued on about criminal charges. I have no idea what this is about and I am aware of any debts I currently have and are in contact with those accounts, so this is nothing I am familiar with and seems fraudulent, as there is no proof or info to give me, just threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal once again has dishonestly decided in the buyers favor and refunded our duly earned {$300.00} consultation fee even though we told the client in writing that it was non-refundable and the client confirmed that he received said second paid consultation, our first one being free. The client even fully retained us with a {$5000.00} retainer fee afterwards indicating their satisfaction. Please reverse in our favor and legally and equitably punish PayPal for this ongoing abuse and theft from our account, while they collect illegal interest while holding our duly earned funds in their account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-03
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-12-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reached out to Navy Federal Credit Union XX/XX/2020 in an attempt to settle an old debt to repair my current credit score, and status. There was no response from the company whatsoever. I then received a letter in the mail from a debt collection agency in connection with Navy Federal Credit Union on XX/XX/2020 dated for XX/XX/2020. I then attempted to access my account online to again attempt to contact someone about settling my debt/account ( s ), only to find out that my account access had been restricted. I then begin to search for what could be done to assist in achieving the repair to my credit. I then found that this is a common problem with the unfair debt collection activities conducted by Navy Federal Credit Union. They currently have a standing Consent Order that I found on your site which made me want to reach out with a complaint against them. 

*File No. 2016-CFPB-0024* This consent order clearly states in several sections that when they are conducting debt collection practices they are not to conduct business in a certain manner. I have thoroughly read through this consent order and found numerous violations to this consent order that was issued in their attempt to collect a debt from a consumer, mostly revolving around unfair acts or practices in their debt collection practices that violates this very consent order. 

The violations that pertain to my personal complaint are as follows : *File No. 2016-CFPB-0024* - Article IV : Paragraph 11, 23-28, 60-70, 72, & 79 - Article V : Paragraph 80, 80.b, 81.b, 82.d, 83.b - Article VI : Paragraph 85.c, 85.f, 85.g, 85.h, 87 - Article VIII : Paragraph 93.g, 93.j - Article XI : Paragraph 108.b - Article XIII : Paragraph 112.a - Article XVII : Paragraph 112.a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Id like to open a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It appears they Im not the only client having ongoing troubles with this credit card company. There are multiple open complaints on them through XXXX XXXX XXXX. I paid {$120.00} in XXXX to make my account current they promised a new card. XX/XX/XXXX they advised I was current but said they they received a request for an address change which I had not made. XX/XX/XXXX they reported a second fraudulent account then closed it but then opened it added remarks and closed it with remarks that Im not privy to which tanked my scores. Now I cant reach customer service and still cant dont have a card and cant access online services. And theyre now requesting {$80.00} to bring my account current. This seems very fraudulent and rather illegal

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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