BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Bank Account # 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 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 explanation
Consumer complaint received 2023-02-07
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have gotten a letter from Bank of the West, telling me 2 months later to repay them {$200.00}, which they claim was credited to a checking account that they had already advised me to close back in XXXX of 2022. They haven't bothered informing me about the my account status, by specifically mentioning any transactions, ( still pending, or for what amount ) while I was at the bank, but waited 2 months later, to get me to pay {$200.00}. Who does that? What bank operates in this manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Frost-Arnett Company
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from you on XX/XX/2022 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX. for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with patients authorization. 

Therefore my request is two fold -- Validation of debt and HIPPA authorization. Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address and accept this complaint as my formal debt validation request which I am allowed under the FDCPA. 

Please note withholding the information you received from any medical provider in an attempt to be XXXX complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I was using my Venmo account no different than any other day when I sent my sons mother XXXX dollars for his birthday. If I was to guess Id say she called and made a false report to get my account jammed up. Because Venmo froze my account with {$1100.00}. In it. They proceeded to keep my money after I tried to transfer it multiple times. After reaching out over 20 times to Venmo they finally emailed me simply saying they shut down my account for user agreement issues and they are holding my money for 180 days for loss protection. The money in the account has a clear paper trail from my business. It was transferred from PayPal after a customer paid via PayPal. The money is clearly mine and they are acting like its theirs. Its actually for my customers roof!!! And now I have to either come out of my own pocket or tell my customer Venmo is quite literally stealing our money. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: Saint Services LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I got my credit repair account with Credit Saint XX/XX/XXXX. I was not charged until XX/XX/XXXX. Throughout my tenure with this company I was actively reviewing the progress that was being made on my account. I saw that multiple removals were being made so I decided to stay with this agency as it seemed they were making great progress. It wasn't until I decided to comb through my credit report in XXXX of XXXX ( after 8 months with Credit Saint ) that I realized that majority of the " removals '' they were reporting to my account weren't actually being removed from my credit reports. I called, and spoke to the representatives and they told me they would conduct an audit of my account so I could get a more accurate reporting and they would call back with my results in 2-3 days. They never called back. I went into my client portal and they updated my account with the accurate reporting from the audit, and to my surprise majority of the " removals '' they reported had not actually been removed. I called Credit Saint to cancel my service immediately on XX/XX/XXXX, and they told me that I didn't qualify for any refunds ( even though they mislead me for months on the productivity of their services ) I fought back and they ended up granting me their 3 month guarantee refund as well as my last payment that they deducted from my bank account resulting in 4 months of my money returned. I also learned that they are suppose to conduct a monthly audit on their end to ensure they are reporting accurate information to their customers and that they " dropped the ball on my account, and will do an internal investigation to make sure this doesn't happen to future customers ''. Fast forward to 15 days after the " refund '' and still no money in my account. I called my bank to see what the hold up was and they confirmed that they never received a refund from Credit Saint. I call Credit Saint with this information, and they told me its the banks fault and that they issued the refund on the XXXX of XXXX. I have receipts stating that they refunded me on the XXXX as well. After fighting back I learn that they didn't actually issue any refund. I gave them my information yet again, but as of now I have not received anything from Credit Saint in my account. -I was mislead with the productivity of my account. - I was told verbatim from the higher ups that they dropped the ball are reported false information for the entire time I was their client -Im not sure if any work was done prior to them charging me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I've sent necessary documentation to both bureaus providing my correct address & ID proving the address on file is incorrect or used by someone who has a similar name. I haven't received any response from the bureau by mail, email or to my fax number. I would like them to remove all incorrect accounts and/or information tied to any false address that is not mine. I have provided documentation since XX/XX/2022 several times and can yet to have anyone correct my credit file

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 2022-04-24
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home 37 years ago ( XXXX ) for {$92000.00}. 
Planning for retirement, over the years, we bought 3 rental properties. 
In XXXX during The Financial Crisis we lost our employment and we defaulted on our obligations. 
When we regain our jobs, we hired " XXXX XXXX XXXX XXXX '' to help us restructure and modify the 4 mortgages. 
HERE IS WHERE THE NIGHTMARE STARTED AND IS STILL GOING ON... 
The XXXX XXXX XXXX had us faxing updated financial statements for 2 years they charged us {$10000.00} and produced absolutely nothing. See Attached E-Mails. 
It took 5 years to Modify the 4 Loans, adding an enormous amount of debt. 
Thing were getting worse by the day!!! 
We were served a Foreclosure Notice on one of the Properties ( XXXX XXXX XXXX ) We contested the Foreclosure, We went to Trial arguing the Financial Crisis have destroyed our lives. 
Lender, Servicer and the Courts made a very wise decision by reducing principal and interest by 50 %. 
The good news is that this Loan has been current ever since and is now in a very good financial health!!! 
The bad news is that the other 3 Properties are still straggling to stay alive. 
If this was not enough COVID made it much worse... 
We are asking Mr. COOPER for help. 
The Principal on this Loan has Ballooned during the XXXX Financial Crisis. 
We are retiring and we would like like to sell the property however the total amount due is just too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  accounts 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
please include accounts below also. 

XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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:
In accordance with the fair credit reporting act XXXX  accounts 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
please include accounts below also. 

XXXX  Account Name : XXXX  Account # : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # : XXXX XXXX XXXX  Account Name XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 M XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-08-03
Company: NCB Management Services 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:
A detailed look at my credit report I found that the reported balances are inaccurately reporting {$22000.00} ( XXXX  ), {$22000.00} ( XXXX  ), {$14000.00} ( XXXX  ) when I reviewed the information presented reflects that The original balance was XXXX. The deficiency balance was reported as {$7300.00} but on the account statement it reflects that the balance is {$5200.00}. Clearly the reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: MD
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 illegally reported a total count of 4 late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

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 2022-09-19
Company: ID Analytics, Inc.
State: UT
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:
XXXX XXXX IS REPORTING FRAUDULENT BANK ACCOUNTS AND FRAUDULENT INQUIRIES ON MY XXXX CONSUMER REPORT, DAMAGING MY NAME AND CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am reaching out today regarding my Capital One 360 checking account. I opened an account with Capital One in XXXX and it has been horrible every since. Capital One allowed somebody to open a checking account in my name fraudulently and I found out about it a year ago. It took yall 1 year to investigate and do nothing. I called a year later and the issue was still not resolved. Mysteriously when I called it was able to get fixed over the phone within 48 hours. I opened my own personal checking account and they continue to keep putting somebody else 's dob on my account locking me out of online access. I don't need to stress how difficult it is to manage your bank account without being able to see into your account. I have called multiple times regarding this situation and it was able to be fixed after I was locked out for 30 days. I then took a nap on XX/XX/22 and woke up to being locked out again I then called on XX/XX/22 to be told once again they have updated my information to the fraudulent person 's information again. Now I can only imagine how many laws are being broken by updating somebody else information onto my account, however, nobody seems to care as it continues to happen and they advise they don't have a permanent solution for them not to put fraudulent information on my account. How do I know you are not placing my information on somebody else account? Also, I keep getting told it will be XXXX business days before I gain access to my account. I don't understand why I keep getting locked out of my account it is not my fault and I have to keep waiting 15-30 days to gain access for XXXX days to be locked out again and start the process all over again. This is completely unacceptable and illegal to allow somebody to open an account in my name and not have them verify any information and to keep placing somebody else information on my account. I have provided all the information they have requested, debit card numbers, credit card numbers, sent in my driver license number, gave them my full social and they still will not provide me access. Now had they only taken this much determination when they allowed somebody else to open an account in my name I wouldn't be in this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: CORELOGIC INC
State: MO
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 XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 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. Account name : MO XXXX XXXX XXXX, Account name : 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 an 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 or 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 2023-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my continued concern and disappointment concerning the persistent inaccuracies related to a late open account on my credit report, despite multiple attempts to have it corrected. The presence of this inaccurate information is significantly affecting my creditworthiness and financial standing, and I urge you to resolve this issue promptly. 

I have made multiple attempts to have this issue addressed, yet the inaccurate information remains on my credit report. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough review of this matter and take immediate action to correct my credit report by removing the inaccurate late open account. The Fair Credit Reporting Act ( FCRA ) mandates that credit reports must be accurate and up-to-date, and the persistence of this inaccuracy is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with the creditor, or any relevant documentation. 
I expect a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracy, and a revised copy of my credit report reflecting these necessary corrections. 

Furthermore, please ensure that you notify the creditor associated with this inaccurate account about the dispute and provide them with the necessary documentation, as required by federal law. 

The continued presence of this inaccuracy is causing significant harm to my financial well-being and creditworthiness. I trust that you will prioritize this matter and work diligently to resolve it promptly to restore the accuracy of my credit history. I am asking for your assistance to correct this late open account which is being reported in XXXX and Transunion Credit Bureaus : XXXX XXXX Balance : {$10000.00}.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion has repeatedly ignored my request to have these accounts removed. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Rights they have violated this now my 4th complaint 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) CC : Consumer Complaints PA Office Of Attorney General CC : Consumer Complaints 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