BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: LA
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:
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE XXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Angel Oak Mortgage Solutions LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Attached are the following documents : Loan Estimate ( XX/XX/23 ) Broker confirmed locked from Angel Oak ( XX/XX/23 ) Closing Disclosure signed XX/XX/23 Final Closing Statement from XXXX XXXX demonstrating the overcharge. 
I want an immediate refund of the overcharge in the amount of {$8400.00} which is the difference between the stated and agreed points of 1.5 % ( {$16000.00} ) and the points charged at closing of 2.25 % ( {$25000.00} ). 
At the time of closing, I was under the financial distress caused by the enormous amount of time it took to get the transaction done. I had many obligations to pay from the proceeds of the refinance, couldn't wait any longer and was surprised at the overcharge of 2.25 % points at the last second, as all of Angel Oak 's attachments confirm the rate of 8.875 % with a cost of 1.5 % points. The lock agreement confirms the locked rate and cost, which I advised XXXX at the time of closing needed to be adjusted. Angel Oak has been so advised and has not responded. I want payment in full for this unfair and deceptive act.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
wrong address and employment

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 report XXXX accounts XXXX XXXX  {$820.00}, XXXX, Bankruptcy XX/XX/2016, XXXX XXXXXXXX XXXX  {$720.00} XXXX XXXX {$8000.00} has violated my rights 15 U.S.C1681 section 602a stats I have the right to privacy.

15 U.S.C 1681 section 604a section 2It also stats a consumer reporting agency can not furnish a account with out my written instructions.

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 2023-05-13
Company: Source Receivables Management LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This business is knowingly reporting that I owe a debt of {$810.00} to a company that is no longer in business. Also after I requested a debt validation from this company I was told that the contract for the services that were purchased was signed before I was even old enough to legally sign a contract. I voiced this to this company and they were forced to delete this information. Now months later they are knowingly reporting the same information. I want this permanently deleted because it is defaming me and also negatively affecting my ability to obtain credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 dated 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 the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 

XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-05-13
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo has frozen my account. They insist that i send them bank statements including the bank linked to my account. I have done that and they continue to freeze the account asking for " A statement for the BANK that you were attempting to add on XX/XX/23. '' I frankly do not know what they are talking about but they claim for security. Since they didn't add this account and i have validated my identity and the correct funding account it is also irrelevant. Meantime, there is XXXX locked in the accoutn and it is literally IMPOSSIBLE to get a human on the phone to resolve this problem. Frankly, i would close the account and never do business with them again, but there are payments recipients that will only accept venmo. I am trying to get them to XXXX which at least has some customer service Anyway, it is fine that they want to validate my identity and my linked account - great - but now that's done and we are still going in circles related to a mysterious bank account which is not even linked to the venmo account anyway! there's no point other than to be difficult while they sit on the cash ( my mistake for not withdrawing every cent immediately which is my normal practice ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 and XXXX  account XXXX XXXX  {$10000.00} has violated my rights 15 U.S.C 1681 section 602A stats I have the right to privacy. 
15 U.S.C 1681 section 604A section 2 It also state consumer reporting can not furnish a account without my written instructions.

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 2023-09-07
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just checked my credit report and notice Midland credit management on my credit file for XXXX XXXX for {$710.00} I never received any correspondence from them. I provided XXXX XXXX with a police report regarding this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The company XXXX  sent money to the account I owed money and now they are saying it will take 60 days to get my money back. I have asked the company to send my money back to my checking account immediately.

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 2023-12-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Im still unable to fully use my Venmo account as it is intended to be used. I attempted to add money to my Venmo account yet again. I was not allowed to do an instant transfer from my debit card which is associated with the verified bank account on my Venmo account. Although, I was able to add money to my verified bank account which finally deposited into my Venmo account days later on XX/XX/30 as youll see in the attached PDF. When I tried to add money into my Venmo account with my debit card again, I did a screen recording where youll see in the attached video that I wasnt allowed to do the instant transfer even though I should be able to. I attached a PDF with the email that I sent to the Venmo/PayPal executives XXXX XXXX regarding this update. 

To view the more documentation pertaining to XXXX crime ring interfering with my Venmo account, visit : XXXX XXXX XXXXXXXX XXXX venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: WI
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 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 explanation
Consumer complaint received 2023-12-14
Company: Advanced Resolution Services Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Inaccurate bankruptcy record on my credit report. XXXX XXXX deleted from my report already. Also XXXX  deleted. Please delete this inaccurate information from report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX XXXX  XXXX  is over collecting escrow. 

XXXX as of XX/XX/XXXX with taxes and insurance paid {$2900.00}. 

Collecting {$700.00} per month. 

Estimated cost for XXXX : Taxes ( {$2800.00} ) Insurance ( {$3500.00} ) Estimated over payment for XXXX - XXXX Estimated escrow balance for XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank is engaged in deceptive advertising for opening new checking accounts. 

They mailed a flyer stating if you open a new checking account and maintain the balance for 60 days they pay you a bonus based on your deposit tier. 

The details which are buried in fine print states they don't count balance days until after 20 days and then reserve an additional 30 days to pay out the bonus. Additionally you must keep you account open until the bonus is paid, so in effect if you open and deposit the same day as I did, they are holding your funds for 110 days ( XXXX ) before you get the bonus. 

There is no technical reason why they couldn't automatically pay bonuses on the XXXX day of the required balance. These gimmicks are intentionally deceptive to catch consumers off-guard and tie up funds for 110 days all the while claiming " 60 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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2023-11-22
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea who this is on my credit report. I have no recollection of any contract with this company and I would like it resolved by having them take down whatever is on my credit report from them. They have no personal information of mine nor did I give consent to any of it. I have asked them to stop contacting me in a cease and desist. And I would like this if my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX  I paid off my NEW XXXX credit card- {$66.00} before cc delivered. The Credit Card NEVER ARRIVED! 

On XXXX XXXX while I was APPLYING for a Balance transfer on my auto loanI saw my credit score had plummeted XXXX Points!!!!! Dropping it below the REQUIRED score or XXXX!! 

I call XXXX and spoke to financial department! I explainedmy card never arrivedI paid in full-By law I must be 180 days delinquent AND they Must have attempted to get payment!!!! Before turning over to collection agency. 

THAT I NEEDED THEIR FAULSE COLLECTION CORRECTED IMMEDIATELY- so I could do my Balance Tranfer within 72 hr-to save the {$120.00} interest on car loan! 
They said 30 days!! THE FALSE DOCUMENTATION just cost me {$120.00} I need this corrected immediatelyI need THEM TO REFUND ME that {$120.00} & see my score restored asap to get this accomplished! 

NONE of this is my fault!! The Credit REPORTING system is SOSOSO BAD & it can destroy one in minuteswith false info THEN we the consumer Pay the price Physically, emotionally and Profound Stress!!! PLEASE HELP. PLEASE

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 2020-08-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
citi premier card and citi simplicity card both of these cards I usually make a minimum payment {$90.00} but because of covid-19 I genuinely missed these payments on the due dates and paid them late.

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 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX employee charged for luggage {$99.00} before boarding a flight on XX/XX/2022. Luggage meets airline requirements and measurements. 

Merchant not willing to solve the problem after discussing the issue. 

Disputed claim with credit card. Credit card response was unilateral for the merchant ; not providing me the merchant response. Credit card not willing to give the opportunity for me to submit pictures of luggage and its measurements that show it complies with airline policy.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX reported a 30 day late payment on my transUnion credit report between XX/XX/2023 and XX/XX/2023 Please Remove this information from my credit report pursuant to section XXXX5 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, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay- ment due date.

15 U.S Code 16815-2 ( B ) of the fair credit reporting act. If a consumer submits a identity theft report to a person who furnishes information at the address specified by that person for receiving such reports stating that information mantained by such person that puports that relate to the consumer resulted from identity theft, the person May NOT furnish such information that puports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. Also I wasnt never late because my payment due on the XXXX of each month and I paid it on the XXXX and I have all the proof Im sending over screenshot of my payment being paid on the XXXX however its not my fault if they system take days to post my payment however it paid my bill on time which why this late payment must be removed asap and it is also illegal under 15 USC 1666B and 15 USC 1561A please remove this late payment I take pride in my personal credit I pay all my bills on time.

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 2023-12-07
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Loan was sold from XXXX XXXX XXXX Mr. Cooper Letters were mailed stating autopay would be transferred.

Autopay was not transferred, the loan payment was due on XXXX, and worse still- it's not accepting any payments on their system. 
Can't make a payment, can't setup autopay, nothing works.

Company advised this is normal and may take a few months to transfer.

Company response to consumer: Closed with explanation