BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
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: Account information incorrect

Complaint:
The inability to collect real time information by all of the three major credit bureaus and their farming that incorrect information to multiple third party credit reporting organizations creates adverse action severely holding us XXXX. Their lack of real time gathering was highlighted in the last complaint you did nothing about. As example report XXXX issued by Trans Union XX/XX/2012 still incorrect and they- even while acknowledging and promising to correct our negative information did nothing. Telephone numbers as the data outdated and not in service, one could go down the list but why bother? Then they have the gall to advise it will take months to update while one languishes. To repeat for these who have trouble comprehending- Yesterdays complaint further proof of the inaccuracy of reporting and their distribution of such to third party entities who provide that outdated and incorrect information continues to hold us financially XXXX and unable to do anything where finances are involved. Opinion- for one to actually think you or they would do anything to improve integrity naive. Of course this is NEW and yes pass it becuase frankly you do nothing about the multiple earlier complaints!

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 2020-04-23
Company: Guild Mortgage Company LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Tuesday XXXX2020 I asked my wife to contact Guild mortgage company about any relief programs we can take advantage of. My pay is commission based and with business and people on a stay at home i'm affected. We were told we can do a forbearance and at the end of 90 days we have to make a balloon payment. What good that does I have no idea. My car payments are just going to be pushed to the end of my loans. Now that is a great help. 


Guild Mortgage Co. 
Loan Servicing Help Center XXXX XXXX XXXX XXXX  - XXXX XXXX  PT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX-XXXX I received an email stating I can withdraw funds since its been over XXXX days. I added a bank account successfully XX/XX/XXXXand next day when I tried to confirm deposits the bank was removed. I tried requesting a Check instead and I was'nt able to. I called customer service for assistance, but they couldnt assist due to the limitation that 's on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The creditor name " XXXX XXXX XXXX '' Violated the fair credit report act by unlawfully reporting to all three credit bureaus which affected my fico scores. How they violated my rights by unlawfully reporting to the bureaus without allowing me to dispute and verify any debt so I may dispute any error. The collection agency hasn't notified me by mail, email or phone call. I haven't received any form of Communitions of the three from " XXXX XXXX XXXX '' by them or XXXX XXXX 
I have been a victim of fraud and identity theft which resorted to subject towards a credit freeze with all three credit report agencies because someone is unlawfully using my social security without my acknowledge with the attempt to open accounts. I am seeking by law and due to the circumstances of the removal and any reporting from this collection agency to be wiped of my credit reports permanently because of violation of rights and fraudulent activity.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act these accounts 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

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 2020-10-07
Company: Experian Information Solutions Inc.
State: MS
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 this due to non-compliance with the XXXX XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-05-01
Company: PNC Bank N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX I attempted to dispute this account with PNC Bank NA. I opened this credit card in XX/XX/2021 with the expectations that they advertised I would receive a higher deposit interest rate on my personal checking/savings accounts which were under both my name and my living trust name. A couple months after opening, I was told that the bonus interest rate would only apply to either my personal accounts or living trust accounts. I chose the living trust accounts as that's where I held most my money. However, the following month I started receiving bank fees on my personally titled accounts as they could not link the personal to trust accounts for balance aggregation, only trust to personal. So I had to either chose to get the fee waiver with no bonus deposit interest rate based on this credit card because of how they could link accounts, or I had to downgrade my personal accounts and could not use my trust balances to waive the fees as their systems could not link the accounts together even though both were under my personal ssn. I had to wait until XX/XX/2021 to close out my accounts. I would have never took the credit card to get the higher deposit interest rate had I known there would linking issues. The credit card was only opened a few months and it was closed. I've requested several times that the credit card be removed from my credit report as it's hurting my average account age, but they refuse too. I was told by opening the card I would get a higher deposit rate which was completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion 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. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXBalance {$9800.00} 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 2022-10-01
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX has violated my rights. This account originated with XXXX and for privacy purposes the acct number XXXX was opened XX/XX/2021 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 2022-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to a Capital One branch in person on XX/XX/2022. I obtained assistance from a Capital One bank representative to deposit a check into my recently opened Capital One account. The Capital One representative informed part of the funds would be available ( {XXXX} ) until the rest of the check cleared. Capital One sent me an email informing me XXXX would be available ( please see attached ). When I tried to make a transaction, none of the funds were available ( please see attached ). When I called Capital One bank, a representative named XXXX informed me none of the funds were available and added that it was suspicious that a new account would have the amount of money I deposited into it. Capital One representative XXXX asked me how I obtained the money. I asked Capital One representative XXXX if it was procedure for Capital One representatives to ask customers how they obtained funds for checks made out to them to deposit in their own bank accounts. The check was from my designated attorney. Capital One representative XXXX responded that my deposit on a new account was unusual activity and put me on long hold to contact my attorney after business hours. I asked to speak to a manager and reached Capital One Manager XXXX who informed me that it was a " federal systemic procedure '' or " federal regulation '' to put a hold on checks for up to 7 business days. Capital One Manager XXXX informed me that a restriction was placed on my long awaited debit card. I also received an email from Capital One representative XXXX informing me of the restriction soon after my check was confirmed successfully deposited ( please see attached ). As a result, I do not have access to any funds, nor have any funds in my possession. I am considering closing my account with Capital One from this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Farrell Holdings, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dealing with this company, PAC Auto Finance is really hard. 

I have been charged insurance fees, even having insurance from XXXX. 
The policy number is XXXX. 

I need them to adjust the billing and stop sending me mails regarding insurance. 
They ignore our communication with them, and simply charged me, XXXX montly. 

Need the solution urgent!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been a credit card customer with wells fargo since XXXX of XXXX. Over that period of time I have accumulated XXXX wells fargo rewards, ( which is worth {$700.00} ) from spending on the card. I have never missed any payments on the account, and the account was in good standing. On XXXX XXXX. I got a letter from wells fargo stating that they closed my account due to 6 months of inactivity. I called wells fargo, and the representative confirmed that, that is the reason for the account closure, my XXXX rewards are forfeited, as the account is closed, and I can not get them back. I then spoke to a supervisor, trying to understand how a bank can close my card for only 6 months of inactivity. At least be notified by the bank that they will close the account, if I do n't continue to use it, and was not given any help on the matter. On XX/XX/XXXXI filed a complaint with XXXX from the executive office to either have my account reopened, or at least be payed for the worth of my points, which is {$700.00}. About a week later, she called me back stating that they can not reopen the card, and will not pay me for the value of the points.

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 2022-05-01
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a letter from American Express about a past due balance. We reached an agreement for me to pay 24 monthly payments of {$35.00}. My account would then be paid in full, my obligation fully met. I did so. For XXXX of those months I made the payment faithfully at the same time every month. 
This last check which was due in XX/XX/XXXX was written, mailed out and returned uncashed by American Express. 
It was sent back to me uncashed, from American Express, to tell me my account was no longer in that office. There was no other address to resend that check. 
Yesterday I received a letter from American Express that is from an office located in XXXX Texas that I now owe {$430.00} due XX/XX/XXXX. 
While I agree I still owe the uncashed amount of {$35.00} this is all I owe. 
I don't know whether to just send the check for {$35.00} or just wait to see what happens next. 
I have worked extremely hard to correct my credit. I do not want this to ruin it for me. 

Let me also state this is not the first time I had to deal with American Express like this. In XXXX I made a deal with them to settle my outstanding balance by making ( XXXX ) $ XXXX monthly payments. Let me state, this was my mother 's balance. American Express called me the day of her funeral. Not thinking right I agreed to open up a credit card to transfer the balance on to my name. I made the mistake and will accept it. 

I don't know what to do with this last payment I agree I owe but I refuse to pat an additional {$430.00}. 

I need your help and I really think you need to look into this company further. I can backup my payments showing American Express cashed my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Initiated transfer from my PayPal account to my debit card. PayPal transmitted funds to a different card on my account. The account was to a closed checking account, via a closed Debit card, that belongs to my cousin ( she uses my PayPal account. 
XXXXXXXX XXXX has repeatedly rejected the attempted transfer and attached is statement showing the rejections. 
PayPal claims the transfer was completed on their end. Attached is their statement. 
I filed a trace with PayPal, a dispute with PayPal and have had pages of messages back and forth on their message section ( no way to print them. ) The amount is {$510.00} ( after fees ) and this started on XX/XX/2022. I still do not have my money. My big question is : if PayPal really believed the transaction was completed on XX/XX/2022 why do they keep trying to submit it to the bank, day after day after day. 
Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I Was Charge for and Authorize Transaction From XXXX {$700.00} TD Bank opened a dispute and the dispute was denied there was previous XXXX Transaction and they there credited to the account and i never gave $ XXXX permission to charge my account TD Bank Denied My Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2022, I sent a letter to Equifax and XXXX regarding inaccurate data points on both credit reports from the same company, XXXXXXXX XXXX. With Equifax, XXXXXXXX XXXX is reported as a 'charge-off ', which hasn't been proven to be my account. With XXXX, XXXXXXXX XXXX is reporting as 'Closed ' for the same account in question. 
I feel like I'm being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) in Consumer Protection Act states that it is plainly stated as a failure to investigate said items within 30 days gives a reason to immediately remove them from my credit report ( s ). It has been 60 days to the day. 
I demand that these accounts be deleted immediately or I will file for litigation as well as a thorough complaint to my Attorney General, Federal Trade Commission, and the XXXX XXXX XXXX due to the stress caused to me for this extended inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
been trying to get a better mortgage rate so when i reach out to different lenders they submit there paper work they ask my loan company for my documents then my loan company charges me a fee for this I've been charged over a hundred dollars in fees for this did not realize this at first so when I called the companies requesting my documents they said they have never heard of this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: CA
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 am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply withF air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
State: GA
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:
XXXX  has not updated the payment status on Equifax &   XXXX   to paid. Equifax is still reporting " Bad debt & placed for collection & skip '' The balance is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Company : XXXX XXXX XXXX Account number : XXXX This company has violated my right. 

There is not enough information to validate the debt, i requested validation of debt by means of : XXXX. Validation of the debt that is, the actual accounting. 
XXXX. Verification of a signed invoice. 
XXXX. A copy of the contract binging both parties, in a letter by certified mail so that there is an independent Witness to it having been delivered. 


15 U.S.C 1692g - Validation of debt ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector 15 U.S.C 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

15 U.S.C 1692b Aquisition of location information ( 4 ) not communicate by post card ; 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 an account without my written instruction.

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 2021-12-08
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation