BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 not owned the property that this mortgage was attached to in XXXX of 2019. The property with the mortgage in question was sold at a judicial tax sale. The tax sale was held and administered by the XXXX XXXX XXXX XXXX XXXX. Once the property sold at the tax sale, the lienholder continued to pursue me for the debt. 

I have spoken with them countless times on this matter. I have made no progress. They have continued to report negatively to the major credit bureaus. I do not know what else to do. 

The Mortgage company is 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 2022-08-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I find that my consumer file is being irresponsibly tampered with. Since XX/XX/2022 my credit score has not been updated ; and I have made several attempts to remind Experian of their duty pursuant 15 USC 1681.

It appears that Experian is intentionally and willfully being neglectful in remedying my affairs.15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

I have attempted to have these errors corrected on my consumer report twice via certified mail, and once by phone. The errors that I need corrected immediately, is my correct name, address, and a collections account deleted. 

On my phone call with Experian, I was provided with a case number which is XXXX to update my current address and my correct name. They have told me that the collections account was deleted, but it's still showing on my report. I have also sent them my drivers license and social security TWICE. I know they have received it because both times, because they notified me on their website 24-48 hours after I sent off the mail.

15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must promptly be removed. I can see in my Experian inbox a notification that says the collections account was removed, yet my credit report has still not been updated therefore the negative account is still on the actual account. I have a credit report with all 3 bureaus as well, and the Experian portion is completely blank and has been like that since XX/XX/2022. I have screen shots and tracking numbers to back up everything I have claimed in this letter, and I demand my credit report is updated IMMEDIATELY as it is effecting my livelihood severely. Please let me know if you need my current name and address, and the account numbers involved. 


Best Regards, 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 2020-08-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
i sent a dispute letter on XX/XX/2020 about personal info and i still haven't gotten any reponse

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 2022-05-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22, I used Paypal to purchase a concert ticket. I was sold a counterfeit ticket, it was a scam. I contacted Paypal on XX/XX/22 to report the fraud and request a reversal or refund. They refused to help me. I offered to provide evidence and they were not interested, they chose to side with the criminal rather than their customer, they are complicit in the crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received a text from Capital One about an attempted charge of {$380.00} on my credit card from a company called XXXX XXXX XXXX. I instantly texted back saying that the charge was fraudulent. XXXX XXXX attempted 3 times to assess my credit card for {$380.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One has reversed 2 of these charges but refuses to reverse the third one. 
On XX/XX/XXXX I received a letter from XXXX XXXX stating he found " no indication of fraud. '' I don't know how he came to that conclusion. He also stated that the original charges were credited back to my account which is not true - only 2 of the original transactions were credited back to me leaving a fraudulent charge of {$380.00} on my bill. 
On XX/XX/XXXX I spoke to a fraud manager named XXXX who stated ( after 2 and 1/2 hours on the phone ) that everything was taken care of and {$380.00} would be removed from my statement. 
However, the charge of {$380.00} was still on my next bill so on XX/XX/XXXX I spoke to another fraud manager, XXXX, who stated that he corrected everything. A day or two later a credit for {$380.00} appeared on my statement. 
However, on XX/XX/XXXX I reviewed my account again and the charge of {$380.00} was back on my statement. I called and spoke to XXXX, another fraud manager, who stated she would make the correction and remove the charge. 
Today in the mail I received a letter dated XX/XX/XXXX stating that I had received two refunds for the same amount so the fraudulent charge of {$380.00} is back on my bill. Since there were three fraudulent transactions I need three credits on my statement. 

This has been going for 2 months and I don't know what to do anymore. Every time a fraud manager correctly removes the charge XXXX XXXX puts it back on my bill. 
Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Right to privacy and confidentiality under 15 USC 1681. 


Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED : XXXX XXXX {$210.00} Account : XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX OPENED : XX/XX/XXXX {$300.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$740.00} 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 2022-05-26
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After months of looking on the AES Success website for a mechanism to pay down the principle on my student loan, I finally chatted a customer service representative to ask. 

The individual informed me that I had to ASK for that feature to be turned on, otherwise, my overpayments would always go toward my next payment amount and the company could continue charging interest on the overall principle. 

If not illegal, this practice is immoral! AES Success should be ashamed of themselves and they should be forced to give clients an option with each payment as other lenders do!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ERC keeps trying to collect for a debt supposedly owed to XXXX XXXX. This is not a valid debt. It is an accounting error on XXXX part. It stems from their in store employees wrongfully issuing a separate account when I joined my family 's family plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: GA
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made various attempts to pay my loan down/off earlier than scheduled. The Company has not been very helpful to achieve this. Please see my most recent complaint with them on this attached. I attempted to pay bi-weekly. First last year I was told that a XXXX XXXX loan was not applicable to this payment structure. At the end of the year I was finally able to set this up to only find out that they would just hold my payment until a full payment was received and would not apply to my account earlier therefore reducing interest. I then tried to cancel the bi-weekly payments and make monthly payments with {$300.00} extra per month only to have them mess that up too and apply additional payments to the next month payment versus to principal as instructed in my note. They continue to be difficult to reduce principal earlier than the original amortization schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MRS BPO LLC has violated my right protected by the FDCPA with multiple violations. 
i sent my dispute letter thru certified mail tracking # XXXX. Requesting debt validation. I have not received any return mail from MRS BPO LLC within 5 business days of receiving my dispute to acknowledge that they have my request and are investigating the issue and or any documents to verify the debt according to 15 U.S.C 1692g ( a ) " contents of debt '' they have failed to do so and is grounds for removal. Also they violated 15 U.S.C 1692g ( b ) '' disputed debts '' for they have furnished the account to XXXX and XXXX without the debt being verified and validated. they also violated my rights 15 U.S.C 1692 b ( 3 ) for they reported it to XXXX and XXXX 15 U.S.C1692 b ( 5 ) on the content of mail they sent me furthermore the account information being furnished on my credit report has inaccurate dates open, high credit this is also grounds for removal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: GA
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 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

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 2017-02-03
Company: WEICHERT FINANCIAL SERVICES
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Weichert financial services has an online way to pay your mortgage. The first time it malfunctioned they convinced me I made the mistake. Simply put the payment I submitted did not 'take ' they admitted they could tell I was online and then reprimanded me for not making sure I got a confirmation email. These emails could take up to a day with the old system and i reluctantly paid the fee. After they modified the site a similar thing happened, this time I went in to overpay to pay down principal however after i submitted the over-payment I realized not only would there be a delay in a coming deposit but also another bill that had a pending outgoing payment. I called and spoke to an agent that informed me that I could do this from the site I asked her to remain on the phone while i cancelled the payment I has just set up, she did, I went through all the steps that not only she told me to do but were part of cancelling this online. I got an onscreen message that said the payment had been cancelled was overjoyed told her I was sorry for bothering her and if i knew it was that easy I would n't have made the call. The payment went through and I got charge fees on both ends. When I called the next agent at first admitted she could see I had been on line and what I did when I was there but as soon as i complained about the payment attempt despite cancellation she clammed up and told me it was my fault for not getting a cancellation email. I told her I got the message online and did not know it was to be accompanied by an email once i received online verification. She then told me that the only way I would get a refund was if I could produce the email which I never received. I told her the mistake was in their system and she had the audacity to stand by the error they made then ask me how getting upset was helping me. This happened last summer and they still refuse to cancel the charge. I have been late I have overdrawn and I pay those fees with no problem when I make the mistake but to make me pay for an error in their system is unconscionable. I want this fee refunded as they processed a payment they were not authorized to process

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 2020-10-01
Company: Movement Mortgage LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I made my first payment for my mortgage. The funds were drafted out my account in the amount XXXX on the XXXX of XXXX to Movement Mortgage llc. To this day XX/XX/2020 they have yet to post this payment to my account. My bank has contacted them to help them retrieve the funds that were sent to them. I also have sent multiple emails to support providing proof of payment. The new servicer is threatening foreclosure and im receiving constant debt calls, and I was reported as being thirty days late to the credit bureaus which is not true. They informed my bank that they would post the payment to my account in XXXX and they have not. They are harassing me for a payment that has already been paid and my credit score has dropped significantly because of the false report they made to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Enhanced recovery systems called my job XXXX weeks ago, they were notified that personal phone calls are not permitted by our company, a week later, XXXX more calls at work from the same company happened after they were told to not call me at work

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022 I was managing my Wells Fargo account, I signed up for a new feature called " direct pay. '' For whatever reason this triggered a fraud issue which locked me out of my online banking. I called on XX/XX/2022 and verified with the fraud department that I had registered for direct pay, despite this I was not given access back to online banking. I was then told that " loss prevention team '' had to review the case. I asked to speak with loss prevention and was essentially told that they dont have phone numbers, I asked the rep to contact them for me and was told that he had no way to do so and I needed to wait 10 days. 

I am at a loss, without knowing how much money is in my account, I cant pay rent, bills, water/power bills. 

I called their executive office, who agreed that this was a bizarre situation and attempted to resolve it. They tried to transfer me back over to the fraud team I persisted and insisted that they stay on the line. The rep confirmed that she had " never seen anything like this '' and there was no hold on my account. 

I really dont get it. I have no issue with Wells Fargo doing legitimate fraud reviews. But this was nothing like that. I verified all information with your staff, and I have never overdrawn, had a negative balance, or done anything remotely interesting with any of my Wells Fargo accounts. 

We all have to demand more from each other. The seriousness of what we do brings tremendous responsibility. Our work has tremendous impact upon people. We need to recognize that and make sure that we're doing everything we can to operate the company to the highest standards of operational excellence. - XXXX XXXX Lets see if Wells Fargo is actually committed to this. I would like a review from the CEO himself to see why I have received such bad customer service and why I have to delay paying my housing/utility bills this month. 

Furthermore I asked Wells Fargo representative, if this was ethical- she replied yes. I will let the CFPB judge here. The representative had the gaul to then suggest I drive >100 miles from MA to CT to manage my bills. I asked for compensation for the drive and time which was declined.

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 2016-06-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My mom owns timeshares XXXX at a place called XXXX. She had been paying a monthly maintenance fee and had been researching ways to get out of the contract or sell them. 
Then one day she receives a phone call from a company called XXXX XXXX XXXX and they offer her {$56000.00} to purchase the timeshare. All they asked she do was send {$5600.00} in fee 's to the closing company XXXX XXXX XXXX and they would send her the funds from the sale. They communicate through email and they fax her official looking paperwork and my mom wires the money to XXXX thinking they will send her the $ XXXX. This whole thing is a Scam. 
Now I am trying to get her the money back and have these criminals arrested. She took a cash advances on her credit cards and can not afford to lose this money. I am just so angry with the criminals for ripping off my Mom and want them brought to justice. 
The XXXX who sent the wire asked no questions and just sent the funds to XXXX. I work in banking and we are trained conduct conversations with clients prior to sending funds to spot red flags. Had this banker done his job he would have realized this was a scam. I am meeting with the branch manager tomorrow. I also contacted the wire room at the bank and their investigations department but I know the chances are slim of getting the funds back or having an arrest made. 
My mom is filing a police report and a report with the FBI. I also called XXXX Bank where the funds where sent and they said the XXXX Bank where the funds where received is in XXXX and is separate from the XXXX Bank. I have been unable to get in touch with XXXX Bank in XXXX but am still trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2016-01-19
Company: ERC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Enhanced recovery collections has apparently continued to call me over and over again, the problem is they have been calling my parents house to reach me. My parents are really annoyed since they call everyday and multiple times throughout the day. I am positive they have my cell phone number but have not called me once. They keep calling my parents house looking for me, and it is truly harassing my parents. They have also failed to communicate with me by mail to see where I owe and how much I owe so I can pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief