BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XX/XX/XXXX for a balance of approximately $ XXXX. XX/XX/XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. XX/XX/XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ XXXX. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from TransUnion, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX  XXXX, GA XXXX the following is a statement regard the restriction of two of my PayPal accounts On XX/XX/2022 I received an e-mail from PayPal stating that I will no longer be able to use my account because it was permanently restricted for 180 days. I received another e-mail on XX/XX/2022 regarding the same 180 restriction on my other PayPal account. I have spoken to several customer service agents and supervisors regarding this matter and no one has been able to able to give me an explaination why my two accounts have been permanently restricted. I have not acted in bad faith or in an illegal manner. Two of the Supervisors I have spoke with have found nothing suspicious with my accounts, and one of them filed an appeal at my request. A representative from PayPal contacted me via phone to tend to the situation, but they had no answers for me and told me there's nothing they can do about the situation. When I gave them the reference number pertaining to my appeal I was told the appeal number is not on file and nothing regarding the matter can be found. I was told that I will have to wait the full 180 days before they will take action and a resolution can be reached. I use those both PayPal accounts because I am not able to use regular bank accounts. The money in those accounts are all the money I have. I do not seek to use PayPal once I get the restrictions lifted from both of the accounts. I only wish to get my money back and use the banking services of another company. This is beyond frustrating and more than an inconvenience. My livelihood runs through PayPal and I am unable to function without the use of the accounts they have restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home insurance from XXXX XXXX. but no matter how many policies we forwarded them and other proofs that we gave Tiaa, they would not drop their escrow ins. However, Tiaa did drop the escrow ins. after the complaint was made through Consumer Finance Protection Bureau. Thank you CFPB. Now Tiaa ( XXXX  ) will not accept our mortgage payments saying through a lettter stating that we are in default and we own payments for XXXX, XXXX, XXXX XXXX and XXXX of this year. Our mortgage pmt.is XXXX. The two paymts. for XXXX and XXXX shoew {$580.00} - we do not know where this amount originated. XXXX said we are in default for these payments and a corporate advance balance ( interest ) of XXXX. The total default is {$4.00}, XXXX and is due! XX/XX/XXXX. These payments are recorded as received by XXXX but they will not accept them. We called XXXX and the agent said that he found an error that XXXX had made as they applied our XXXX XXXX payment to the escrow ins. We asked him to correct the error and he said that they could not as this occurred over six months ago and the error will not be corrected. We asked, then how can we resolve the issue and continue to pay our mortgage. There was no answer. This is the way TiaaXXXX is going to take our home- by legalized theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX has left an unapplied balance totaling {$13000.00} on my account and never applied the payments appropriately. They approved a modification with an incorrect interest rate and upon trying to correct it never executed it, then they erroneously denied the loan modification which they did not sign. The loan was transferred to Shellpoint who assumed the loan in XX/XX/XXXX. I was not able to log into XXXX to access any of my account information. Shellpoint did not set up my online account until XXXX, also leaving me with no account or statement/history access. Shellpoint has recapped all of this in a letter dated XXXX. Due to their errors and not responding in a timely manner, they wrongfully put the house in foreclosure and a sale is scheduled for XX/XX/XXXX. Today XXXX we were also informed that XXXX did not make a payment of {$440.00} dollars to XXXX, who filed a derogatory mark on my credit. We also had issues with XXXX not paying the house insurance and leaving the house exposed to liabilities which was a hassle to rectify, but Shellpoint finally cleared that part up, but apparently left the {$440.00} issue unresolved. This has hurt my credit and I am about to suffer a foreclosure. I can not buy a new car and I desperately need to get this cleared up because they have affected my purchasing power, my credit and my health. I am including what I have, but if you need anything else, I am willing to provide it with the exception of any monthly statements because Shellpoint said it is too cumbersome for the to provide them ( unfortunately ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dispute took longer than 30 days XXXX this account is stopping me from purchasing my first home

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 2021-11-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dispute took longer than 30 days XXXX this account is stopping me from purchasing my first home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSWORLD SYSTEMS INC
State: NC
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:
I have contacted Trans world systems on numerous occasions trying to resolve this issue on this account this account is paid and should be removed They referred me to contact XXXX XXXX XXXX @ XXXX several times I'm not sure who that is and if the payment has reached them they told me to pay XXXX and the account would be removed from my report because the settlement has been satisfied this is stopping me from have a correct score on my report please Remove the account from my report. I spoke with XXXX at the law firm on XX/XX/2020 for the third time trying to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car was repossessed XXXX XXXX, 2015 and i had an amount due of XXXX including past due charges finance charges as well as the repossession fee of XXXX. I had a month to do so it took Ally Financial 5 days to give me information on redeeming my vehicle. When i finally received the information i started gathering my funds. They gave me a month to pay the XXXX in FULL, they were not taking partial payments. I up called the tow yard to see how much a day was the fee and they stated " For ally we do not charge for storage fee '' Ally tried adding on XXXX $ of storage fee onto the top of the XXXX. Every time i called i had to explain to them the place my car was held had no storage fee some representatives refused to remove the fee. I ended up redeeming my vehicle paying XXXX in FULL on XXXX XXXX, 2015 i did receive an 7 day extension to redeem my vehicle. After bringing my account down to XXXX $ they added a hidden fee of XXXX on my account a couple days later which is adding late charges to my account. Its now XXXX XXXX, 2015 I 've been calling Ally explaining my situation for 3 weeks now and they have still done nothing, all the of reps claim they will note my account and they note very little leaving me a whole story to explain they told me i have to talk to redemption and i did call them as well as the tow yard and redemption states " we did not put any charges on your account because we would n't have released the vehicle if there were remaining charges left, you have to pay the amount owed before redeeming your vehicle ''. So i then called the storage company and they states " There are no charges left pending for that car ''. So that leaves me to believe they added some random charges to my account and they are trying to cover their selves. I spoke with a lady in Texas and she told me that i probably wont be able to dispute the charges because its something i owe. When state law states all charges must be paid in full before redeeming your vehicle. Im paying my care note on time and trying to refinance my car and i cant because of charges on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-21
Company: MacDowell & Associates, Ltd.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I already paid them and they still are sending me letter that I did pay when in fact I did in this noticed I will be providing the receipts of payments done to them every month

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 2020-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
Bank of America has their Trade line name listed on my credit reports as if they have lent something of value to me. Based off of how the Federal Reserve says banks create loans, GAAP and the true substance of the funds, Bank of America has not lent anything to me on the alleged information that they claim to be the " creditor '' on my credit reports. I have tried to have the false and misleading information removed from my reports, but unfortunately they keep saying that it " meets FCRA requirements ''. This note alone is false and misleading. If they are not the actual creditor on the alleged account and can not prove the substance of what the amount they have allegedly lent, then there is no way they are meeting FCRA requirements. The below cases below shows proof that banks do not have the power to be the creditor. 


Case Law A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. 

The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. Zinc Carbonate Co. v. First National Bank, 103 Wis 125, 79 NW 229. American Express Co. v. Citizens State Bank, 194 NW 430. 

" It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires... '' Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ).

" It is not within those statutory powers for a national bank, even  though solvent, to lend its credit to another in any of the various ways in which that might be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ). 

. " ... the bank is allowed to hold money upon personal security ; but it must be money that it loans, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No.12, 642, 1039. 

If any part of the consideration for a promise be illegal, or if there are several considerations for an unseverable promise one of which is illegal, the promise, whether written or oral, is wholly void, as it is impossible to say what part or which one of the considerations induced the promise. Menominee River Co. v. Augustus Spies L & C Co.,147 Wis 559-572 ; 132 NW 1122.

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 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XX/XX/XXXX after calling Trans Union to dispute XXXX entries on public records to agent that XXXX XXXX XXXX for the amount of {$4600.00} and XXXX XXXX County Court {$520.00} should be removed like all other creditors in chapter XXXX bankruptcy ( see attach XXXX ) and XXXX sold account to other collection agency which resubmitted my closed account on my credit report as " open '' when it was discharged also in bankruptcy. ( see attach 6 ) After calling about these complaints for dispute my account was locked by agent ( see attachs 10-14 ). I had explained to agent that I had answer all the security questions correctly and it was wrong in their system ( Trans Union ). I explained to agent I could proved that " grandfather name '' I was given was correct, but the agent did not accept my information and request he only way for my account to be unlock " I must send in picture ID ''. I explained to agent that I did not feel comfortable sending picture ID due to on going identity thief and other major reasons. 
I truly feel the standard for Trans Union to make " only request to verify my identity is with a picture ID '' is open to discriminated any future dispute against me because of my race, sex or religion. Their are other ways for verification a person identity other than picture ID. Some example I can list from other vendors who verified a person identity : SSN card, current utilities or cable bills with name and address, payroll check studs. 
The method Trans Union is enforcing requesting a picture ID is largely open to discrimination with an individual to denied any dispute or not updating credit files that can damage a person credit rating base on race, sex or religion. 
I am pleading with the CFPB to look into the method Trans Union is using for verifying an individual identify. I know my account was locked after making a dispute claim which, now Trans Union is requesting a picture ID to unlock my account. 
With my account locked by Trans Union I am unable to check if any inaccurate information has been posted to my credit that can damage my credit rating. 
Also this is a way for Trans Union supporting creditors who are conducting improper illegal actions with false information posted to an individual credit with problematic to discriminate against the debtor credit report. 
Also requesting XXXX derogatory remarks to be removed from my credit report 1 ) XXXX XXXX XXXX open XX/XX/XXXX should not of been open. Account closed in bankruptcy XX/XX/XXXX from XXXX XXXX. 
2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$4600.00} removed like other accounts in bankruptcy XX/XX/XXXX 3 ) XXXX XXXX County ( XXXX XXXX ) for {$520.00} lien for sewer bill and not a tax lien in bankruptcy 2014

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 2016-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My inquiries fell off but then they were reinserted and I never got the five day notice ( which is as FCRA violation ). The inquires are as follows : 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 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 2017-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been disputed XXXX with Transunion for a while now. They sent me the results stating that it came back verified. I requested that they provide me with a copy of their method of verification, they have not been able to do so. I contacted the alleged company myself and they did not receive any investigation request from Transunion. So how were they able to verify this alleged account?

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 2016-06-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been disputing multiple incorrect Public Records and Collection Account to be removed from my Equifax Credit Report but they refuses to allow me to dispute these XXXX Public Records and XXXX Collections Account which does not belong to me. 
I have tried multiple time to resolve it, but now Equifax has locked me out completely when I try to dispute these XXXX Public Records and XXXX Collections Account. 
I wrote to them 3 times with no response in the past 60 days Some items are over 10 years old. 
XXXX and XXXX were very helpful and removed negative items within 30 days I need HELP PLEASE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I want Equifax to review the attached letter to this complaint from the Minnesota Department of Human Services. The following account do not belong to me and is the result of identity theft : Minnesota Department of Human Services account ending:XXXX. I want the account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
See previously submitted dispute below. Bluebird has still never contacted me by mail or otherwise to initiate the dispute of a fraudulent XXXX charge. I need this XXXX charge reversed today. This is ridiculous. 

XX/XX/2020 Bluebird Customer Care, XXXX. XXXX XXXX, XXXX, GA XXXX. RE : Family Account To whom it may concern : I am writing to dispute the XXXX XXXX  charge that appeared on my sons family account. He did not make this charge and we have been trying to get a hold of your fraud department for weeks, on hold hours at a time, to dispute this. And, you do not make your mailing address easy to find. I have several American Express accounts and have been pleased with them, but you have completely dropped the ball with this product. You need to give serious though to your customer service with regard to Bluebird cards. Your inability to take care of this fraudulent charge is ridiculous, even given the circumstances. You should allow us to dispute fraud on the website. What if this had been a fraudulent charge for more than {$9.00}? That could be devastating to someone. ***Please immediately dispute and reverse the {$9.00} XXXX charge, which posted on XX/XX/XXXX. We have already cancelled that card and requested a new one through our account on the website.

Company response to consumer: Closed with explanation