BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My identity has been compromised years ago from the lost of my purse along with my identification. And from that I'm now dealing with the issue at hand the misrepresentation of my credit files. The following accounts does not belong to me, therefore I'm demanding that they be removed and blocked from my credit files. 

1. XXXX XXXX  XXXX {$2300.00} 2. XXXX {$190.00} 3. XXXX XXXX XXXX {$100.00} 4. XXXX XXXX {$1000.00} 5. XXXX XXXX XXXX {$13000.00} 6. XXXX XXXX XXXX {$59.00} 7. XXXX XXXX 8. XXXX  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX Bank 11. 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 explanation
Consumer complaint received 2017-06-17
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
FNB  and  XXXX   XXXX   XXXX  attempt to well test in  XXXX   2017  with previous buyer, same company and could not because of a leak in the pump. Same issue with me second attempt and still not fixed. Tried to make me pay for it to be fixed in order to test. Dragged it  out two weeks, Finally fixed and tested third attempt same company two weeks before closing.   XXXX   XXXX   presence, suspect a covered up issue. Would not pass HUD  with previous buyer?   XXXX  Also I obtained pre-approval with FNB and they inflated closing cost because it was there foreclosure which I did not know until later - Conflict of interest.   XXXX   XXXX / XXXX / 2017  Bid Acceptance  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$1000.00} ) Good Faith  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$200.00} ) Inspection Water  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$450.00}  XXXX   XXXX   XXXX   XXXX / XXXX / 2017   XXXX    XXXX   XXXX   {$360.00}  XXXX / XXXX / 2017  Make decision on test results - no time to bleach and retest.   XXXX   XXXX / XXXX / 2017  -  Close Date

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  will not remove old deragotory information from my credit report. It is mor e than ten years old. The statute of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Paypal Holdings, Inc
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So, currently I have a PayPal business account, and with it a PayPal Business Debit XXXX. This debit card is subject to a daily limit of {$400.00} for things like cash advances, atm withdrawals, etc. In addition to this, I have a XXXX XXXX account, and with it a XXXX XXXX Debit Card. This debit card is also subject to similar limits, but its limit is {$1000.00}. Now, I am trying to move funds from PayPal to XXXX XXXX, I attempt to add money to XXXX XXXX with the PayPal Debit card, but I want to move more than the {$400.00} limit so its unable to complete. So I go to PayPal and I attempt to transfer the funds to the XXXX XXXX debit card, and again it declines. Confused, as I was attempting less than the {$1000.00} limit the XXXX XXXX card is subject to, I call PayPal customer service. I am then told, once by a representative and again by their supervisor, that in PayPals system it is not able to distinguish a difference between an attempt to charge going through the paypal card versus an attempt to charge going through the XXXX XXXX card. They are apparently identical charge codes, thus the system things any charge going through the XXXX XXXX card is actually going through the paypal card, as of course they only recognize their own service, and is imposing the withdrawl limit of {$400.00} on it. After bringing up the fact that on this very website there is documentation stating that the card issuer is the one who can determine the limits a card is subject to and the fact that PayPal is not the card issuer I was told there was nothing more that could be done and that I was free to report them to you. So, heres me doing that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  will not remove old deragotory information from my credit report. It is m ore than ten years old. The statute of limitations has expired.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account XXXX XXXX XXXX XXXX  XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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.

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 2019-12-02
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:
I sent 3 letters asking to verify erroneous accounts. One in XX/XX/2019, XX/XX/XXXX and again XX/XX/2019 I requested a copy of paperwork Transunion viewed and what the bureau had on file to confirm the validity of investigation.As my right according to section 609 ( 1 ) a of the FCRA. Never received anything close to what I asked for. Those erroneous.and unconfirmed accounts should be deleted for not complying with my legal request.

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 2020-10-07
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2019-12-02
Company: DISCOVER BANK
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Hello, I had a second mortgage with Discover and sold the property. The second had a pre-payment penalty before making 12 payments starting XX/XX/XXXX. The property was sold in XX/XX/XXXX.

I recieved a mortgage statement for XX/XX/XXXX that clearly states no pre-payment penalty on the statement.

I was charged a {$480.00} pre-payment penalty. I called discover and they told me that if I was refinancing I would not have a penalty. But selling the property I do have penalty.??? My paperwork says no pre-payment penalty after 12 months of payments. Which I did make. This is rubbish trying to pass the buck based on tricky language. Either you have a pre-payment penalty or you do not. I did as my paperwork said, and reflected on my most recent statement. Please send payment to me accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: TX
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:
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 non-monetary relief
Consumer complaint received 2022-09-09
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX - XX/XX/XXXX : My federal student loan was being serviced by American Education Services ( AES ) XX/XX/XXXX : President Biden announce Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) XX/XX/XXXX : I submitted my TEPSLF application and consolidated my federal student loan with FedLoan, as per the U.S. Department of Education 's instructions. 

XX/XX/XXXX : I received a letter from FedLoan reporting the outcome of my PSLF eligibility. Even though I had over 10 years of qualifying employment and have made payments on my student since XX/XX/XXXX. However, FedLoan informed me that loan payments made between XX/XX/XXXX through XX/XX/XXXX were not eligible. No explanation was provided. 

XX/XX/XXXX - XX/XX/XXXX : After series of back and forth with the FedLoan Office of Consumer Advocacy ( OCA ), in XXXX I discovered the real reason as to why the payments I made between XX/XX/XXXX through XX/XX/XXXX were excluded from the PSLF count. FedLoan informed me that according to the National Student Loan Database System, my loan was purportedly in " deferment '' status. I informed OCA that this information was inaccurate and I provided proof of loan payments made since XX/XX/XXXX, but FedLoan indicated they couldn't do anything about it. 

XX/XX/XXXX, I reached out my former loan servicer, American Education Services, to get an explanation. AES loan counselor, XXXX, acknowledged the reporting error and clarified that my loan was only in deferment for one year between XX/XX/XXXX through XX/XX/XXXX, and the record shows that I have been making my monthly loan payments since XX/XX/XXXX. She escalated my case to another team for review and reconciliation, but today I received an email from AES Customer Service indicating that they can't do anything to fix this error and referred me back to FedLoan to update the status in the national student loan database system. However, FedLoan has been less than accommodating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection law firm based in XXXX XXXX, with satellite office in XXXX, XXXX reneged in satisfaction letter of past credit card debt dated XX/XX/22 printed on letterhead from XXXX XXXX office. ( Garnishment order carried out by XXXX, XXXX XXXXffice. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX and Credit Plus, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Frontline Asset Strategies, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX I received a bill from XXXX for an account that I did not create. The day that I received the bill I called customer support and advised them this was fraud, they placed an alert on the account and told me I had to go into a location. I did so, and the representative submitted a fraud form. I asked him for further information on the account including a call history and where the calls were placed from, they would not provide this information ; the only information that he would give me is the other name on the account ( XXXX XXXX ) I do not know this person and that the account was created at a XXXX XXXX and calls were made to the XXXX XXXX. He advised me that I would be all set with the fraud form and someone will call me in a week or so. No call ever came. I received another bill in XXXX, and again I call customer support and advise them of the account being fraud and the person I spoke with adv. me to go into the location and that they would call me back later that day to follow up, I went into the location and spoke to the same representative as the first time, who adv. me that my previous fraud claim was denied as the charges were valid. The calls were made on the account but I did not create this account, have access to it before receiving the bill, nor make any calls on the account. He submitted another fraud form and asked that someone from the fraud dept. call me. Not only did I not receive a call back from customer support, I received a call from XXXX but when I picked up they hung up twice. I again asked for information on the account, they would not provide anything. Even after disputing this account from the day I received the first bill, this account was sent to collections on XX/XX/XXXX and can now possibly affect my credit if I do not pay this bill. This is essentially extortion because if I do not pay, then my very good credit will be affected negatively. They have not allowed me to prove that I did not create this account and have not provided me with any information in regards to this account. It was not until I spoke with the collection agency that I was told that my social security number was on the account ( Without my knowledge or my authorization ), they also mentioned a police report needed to be filed along with the fraud form. This was done and all the necessary information has been submitted with the fraud form on XX/XX/XXXX, I have yet to hear back on this. XXXX, did not provide me with either of those bits of information. They did not provide me with any opportunity to try to prove I did not create this account nor give me any necessary information to try to get tot he bottom of how this account was created and by whom.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank account always slow when it come to send the app that am using information about the that I have in my amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Bread Financial Holdings, Inc.
State: IL
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 contacted comenity bank ) Victorias Secret ) to please remove late/ missed payments from my credit bureau reporting due to Covid job loss. I contacted them several times in regards to this, and was unable even with a supervisor get anywhere. 
I am a single with XXXX kids receiving no support going through a divorce I was unable to feed my kids during the government issues with unemployment, somehow my information was incorrect and I had issues with switching to XXXX and received nothing until it was corrected. Can you please remove all my late payments as I was both exposed to XXXX as well as my state had a shelter in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The letter below was sent to Transunion on XX/XX/22 and I've included their response in the attachment Dear TransUnion To be clear, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 



XXXX XXXXXXXX XXXX XXXX  : Account number : XXXX, Tell me, how did you verify this account? I need a full investigation done and a full report. 

You verified this account pretty fast, therefore I have a simple request. What procedures does your company have in place to investigate accounts? Please send me a copy of those procedures. Second, what data are you basing your verification on? Please send that to me also. I want to make sure you are following all laws. If you can not provide me with the documentation, please delete it from the report and send me an update. 



Once again, I believe 15 Days should be enough. As I am tracking all letters and awaiting your response. 



Sincerely

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 2017-06-18
Company: Scott Lowery Law Office, P.C.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
P. Scott Lowery, P.C. has been harassing me for years about debt they purchased from a Credit Company and  pursued it in court in a case against me that was given a default judgement because I had neither means to know about, or attend to in any form or fashion due to extreme hardship at the time of their filing.     It 's been over 6 years and they 're still periodically getting my address and sending me paperwork attempting to acquire information to take money from me without my consent through a banking or financial agency, and I do not have the means to get representation on my own. The paperwork contains threats of " Filed as  in Contempt of Court '' for not answering , but I have reason to be suspicious of the reasons they are pressuring me to sign these documents.     The debt is from  XXXX , and was filed in court in  XXXX  without my knowledge. I am a  XXXX   XXXX  veteran, and I can neither afford representation, nor can I afford to pay them, or deal with any potential trouble they can put me through, and due to my  XXXX  discharge being the reason I got left with the debt in the first place. I 'm unemployed and I can not work, and I refuse to give them any information that could be used to make my life miserable because of the system we currently live in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX master card {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$660.00} and {$350.00} XXXX XXXX XXXX XXXX XXXX bank {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} Have two names they use that are not even mine as known as on the page one of them is last name is not even mine and the other the first name is not how I spell it They also have an address that I have no idea whos it is on there as well Can someone help me with these issues??

Company response to consumer: Closed with explanation