BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C 1681.the following inquiries were not made by me. you will find them in my attached 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 explanation
Consumer complaint received 2022-06-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX was closed by without resolve. No response was ever received and IT IS IMPOSSIBLE to get anyone at HSBC to respond to me. This is my THIRD complaint to you and you have donr NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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  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 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 2022-06-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported to you by XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Account number XXXX. 

I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is inaccurately and erroneously reporting a XXXXday late notation. I request an investigation and removal of this collection account from my credit report. 

Additionally, under FRCA 611 ( a ) ( 2 ) you are to forward this dispute along with all relevant information regarding the dispute to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your reinvestigation within 30 days of the date of this letter. 

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true reinvestigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2022-09-20
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly tried to get in contact with Freedom Mortgage about a monthly charge for a PMI for the amount of XXXX. 

I have paid more than 22 % of my property and i called them on XX/XX/2022 to remove the monthly charge for the PMI. But no success. 

On XX/XX/XXXX I decided to send them a written message on their secure message center on the phone app. They haven't bother to reply. 


On XX/XX/XXXX, I sent them a new written message on their message center and still no reply. 

As today XX/XX/2022. I have paid more than 25 % of my mortgage home loan and I do not see them removing the Private Mortgage insurance.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: FL
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  Account # XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 Section 604 A Section 2 it states a consumer reporting agency can not furnish an account without my written instruction Inquiries 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

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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported to you by XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, PA XXXX. Account number XXXX. 

I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is inaccurately and erroneously reporting a 30-day late notation. I request an investigation and removal of this collection account from my credit report.

Additionally, under FRCA 611 ( a ) ( 2 ) you are to forward this dispute along with all relevant information regarding the dispute to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your reinvestigation within 30 days of the date of this letter.

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true reinvestigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2022-06-21
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received an email from Paypal indicating a payment ( which I did not perform ) was successful. The amount was {$35.00}. I cross referenced with my bank account to ensure no such amount was deducted. I called Paypal today XX/XX/2021 to learn the email received was possibly a scam. My account with Paypal was also placed on limited access which limits me from removing the card on file as well close my account. In order to do this, Paypal wants an uploaded copy of my ID as well as proof of address in order for them to remove this restriction. Why would I upload personal information as such if my account was potentially compromised. I should be able to delete the card on file and close my account. There are no outstanding payments in or out of the account. Paypal has a history of compromised accounts where I can see how if I don't even have the capability to delete a card on file. My information is being stored with easy access should their files become breached. This can not be an acceptable practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Paypal Holdings, Inc
State: NC
Product: Credit reporting 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:
Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: FL
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'm submitting this complaint to inform 3 Credit Bureaus that the files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX Balance Owed : {$380000.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; DPT EDXXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$4600.00} ; XXXX  XXXX XXXX Balance Owed : {$4800.00}.

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 2022-09-20
Company: Experian Information Solutions Inc.
State: TX
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 have sent Experian, XXXX, XXXX requests after requests to remove security freeze and Fraud Alerts. I have even sent proof of address and Utility bill as you requested but you are stalling the process deliberately hurting my livelihood as well as the one of my family as it relates to us not having access to descent credit or a home to 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 non-monetary relief
Consumer complaint received 2022-09-20
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2022, XXXX Insurance reported to lexis nexis that I was involved in an accident with my son 's vehicle on XX/XX/2022. 
I contacted XXXX to correct the information that it was my son that was driving and was involved in the accident. 
XXXX refused to correct the information. 
I then contacted lexis Nexis to dispute the information, I offered to submit a signed affidavit from my son indicating that I was not in the vehicle on this date. 
Lexis Nexis refused to take the statement and instead did a generic review of the record and indicated that the information they had on record was correct. 
This inaccurate information is costing me a fortune in insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Sunday XX/XX/XXXX at XXXX I received an email notification that the phone number on my account had been changed. I did not initiate this, nor do I know the number. I was on the subway when I got the notification and I got off at the next stop ( less than 5 minutes to call Chime member services. I called at XXXX and was on the phone for 20 minutes before I was able to speak to a human. In that time the person who took over my account sent {$5000.00} to themselves. after explaining what happened to the first rep, I was placed on hold for another 10-15 minutes to be sent to the claim investigation department. I gave my information to a rep. Stating that no one had access to my account or the password and that I was currently holding my debit card. She ( I think her name was XXXX or XXXX ) told me that an investigation was opened and could take up to 45 days to complete. After that, I transferred all of my money out of the chime account and into my other bank account. l also changed my phone number back. 

Today I got an email from Chime stating that they " determined no error had occurred. Therefore no funds would be credited to my account and this claim was closed. This is beyond disgusting that money that I worked hard for was able to so easily be taken and the bank I kept it in to refuse to do anything about it. I have requested the documentation that they used to come to this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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've disputed and I've written, letters to each Bureau and TransUnion, XXXX, and XXXX have all sent back generated letters, stating that it was investigated. Which is XXXX because there are numerous errors on my acct., inquiries that were not authorized by me. There's a bankruptcy there also, where did this come from?. These reports are adversely affecting my credit and my lifestyle. 

XXXX Confirmation : # XXXXXXXX XXXX XXXX # XXXX TransUnion : # XXXX I'm tired of going thru this, it's adversely affecting my life and my career ; I gave No one permission to use my credit, Nor did I give permission to release any of my personal information. According to 15 U.S.C 1681 section 602a. States I have a right to privacy and 604a. States a consumer reporting agency can not furnish a account without my written consent and I didn't consent to XXXX!.. My rights are being Violated here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Syncapay, Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
PrepaidDigitalSolutions is not honoring a prepaid card issued by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX is got an email from paypal that my account has been permanently limited. I contacted customer support twice I've never even got a reason why. Customer support said those decisions are made in the back office and they cant even access them. I got an email from them today saying my account is still permanently limited a be in cant use there service for anything including my own money. My account has XXXX dollars in it. My social security checks are direct deposit. I desperately need the money to pay my rent and utilities. I have no other money. 
My phone was stolen and they were able to get into my paypal account and make purchases. I informed paypal of this. they are punishing me for something someone's else did. I never violated any of their policies. I can't believe they can actually take my money. im on a very desperate situation. Ill be broke and homeless in a few days. Im a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022, I was kicked out of Loss Mitigation with no reason given to me. The entire time I was in the program, they repeatedly told me to just wait to receive modification paperwork to sign. I never received this paperwork after months of me calling to obtain it to fix my mortgage. Despite their knowledge of me not receiving any paperwork, my loan was still removed from Loss Mitigation and is now being reported to my credit bureaus in violation of guidance regarding Covid assistance. 

Currently, I have secured assistance from the " XXXX XXXX XXXX XXXX '' program to pay my past due balance. Now, Cardinal Financial is doing the same thing as prior. They will not respond to the program to secure the grant. Based on this, I requested a face to face interview and have yet to be granted an in person or virtual interview as required. 

Cardinal Financial will not work with me to make arrangements on my federally funded home loan. This is an intentional and discriminatory act to take my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested that the company delete all negative/adverse charge offs late payments and collections from my credit report due to the companys direct violation of federal law 15 ISC 1681 ( A ) ( 2 ) ( I ), 15 USC 1666 ( b ) and 15 USC 1692 ( g ). These companys are using abusive deceptive practices causing an adverse impact to my reputation and consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX   XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: In progress
Consumer complaint received 2023-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After numerous of harassment calls from Portolifio Recovery I was never aware who they bought/received my information from without my consent. I responded with an answer but never heard back since. I'm asking to have this removed off my credit report since I did my part in answering & never got a response back or proof of me agreeing to repay through their agency.

Company response to consumer: Closed with explanation