BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: AAA Auto Title Loans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
my loan is in default and the creditor will not work with me on an affordable payplan. They said I have to pay {$410.00} every XXXX XXXX Upon me telling them I can't afford that and what type of arrangement I can do, they said they were moving forward with a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act 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 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 2022-06-09
Company: Paypal Holdings, Inc
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 believe that it was a mistake to close my Paypal account. I am using my Paypal account for my online business as a seller in online digital business since XX/XX/2022 and this is my first transaction in my Paypal account. XXXX XXXX XXXX has stucked fund in it that I have to withdrawn asap for emergency purposes. And I am hoping that I wil getback my account and able to withdraw and deposite my funds on it. Thank You and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. TheAccount below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


US DEPT. OF EDUCATIONXXXX 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 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 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 non-monetary relief
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax refuse to correct my name. I have repeatedly disputed this and they delete it and put it back on. Equifax has my husbands suffix mistakenly mixed up with my name on my credit file. I am receiving mail with my name incorrect. My name is XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXXXXXX My Maiden is XXXX. I have submitted my passport and other credit agencies with the correct spelling of my name. 
Please Equifax correct my name for the hundredth time I AM NOT A XXXX!!! I only have this problem with Equifax and no other credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12
Company: PHH Mortgage Services Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In the latter part of XXXX 2017, I received a letter from PHH, the company that services my mortgage. The letter was an escrow analysis and indicated that my escrow account had a projected deficit of {$320.00}. The letter gave me the option of doing a onetime payment or spreading the shortage out over 12 months. When I sent my XXXX payment in, I added the {$320.00} escrow shortage in with my regular payment. I wrote on the payment coupon that I was enclosing {$320.00} for the escrow shortage. I also sent them a letter stating that the extra {$320.00} was for the escrow shortage only! I mailed the payment priority mail and confirmed the delivery. Today I received my XXXX mortgage statement. Despite my clear instructions, they did not apply the {$320.00} for the escrow shortage. Instead they applied it to my principal balance and are billing me for the {$320.00} escrow shortage. This should be illegal and fraudulent on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: MN
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:
My XXXX XXXX charged off account was paid off in XX/XX/2022. XXXX XXXX is still showing XXXX payments recently late after the charge off occurred on Equifax. This is happening several times now and it never seems to get fixed. Please investigate why XXXX XXXX and Equifax can not get this right. We have gone back and forth many times. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had and have credit freezes on the 3 credit bureaus accounts. There was a fraudulent request from XXXX XXXX for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by XXXX XXXX on the Transunion, XXXX, and XXXX sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. XXXX XXXX has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.

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 2022-07-31
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The Comenity Bank who is the provider for our XXXX XXXX XXXX XXXX My BJ 's Perks Mastercard has been having " system '' and " computer '' issues for the past month. Apparently, they were doing a system update and it did not go as planned. I have not been able to log into the website to check our account or make payments. When we call the number on the back of the credit card we are on hold for an extended amount of time. When we are able to get a hold of someone they can not access our account either and just say call back later. Also, there were fraudulent charges to our account at the beginning of XX/XX/2022, which caused Comenity to close our account and issue new credit cards. My wife received her new credit card but it was the wrong rewards level. We called and after being transferred and disconnected were able to get a hold of someone who said the rewards will be calculated correctly. It took us almost a week to resolve this issue. The one time I was able to log into our account online, approximately the week of XX/XX/XXXX, I sent a secure message about these issues but have not heard back. I have not received my new credit card yet. When we are able to finally get a hold of someone they said there are issues with the provider. Also, we have had to use our debit card to make purchases missing out on rewards and the {$0.00} off of gas at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I alerted my bank USAA of fraudulent transactions from XXXX and and several accounts opened and money transferred into the new accounts from my savings and checking then these accounts were access via ATM and my money taken to the total {$4200.00} I was told that my money would be back in my account after an investigation. XX/XX/XXXX I called USAA to get and update and was informed that my accounts are being frozen and will be closed in 60 days and that I am being held liable for all the fraudulent transactions. 

I have been with USAA for 26 years. 

They dont have any physical branch I can go into and only talk over the phone. 

They say they are closing my accounts and I am being held liable because back in XX/XX/2022 my account hit with fraudulent activity. 

I need help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, SXXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX # XXXX has Violated my rights.

15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a 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 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 non-monetary relief
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over XXXX  days later I have not received a response, yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
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 a reverse mortgage with a company. XXXX of XXXX they sent me a letter telling me I had not paid my home owners insurance bill, which was a false statement. At the bottom of the non-payment notice, it stated " This communication is from a debt collector ''. I let it go, because I knew I made the payment to the insurance company. In XX/XX/XXXX I received another non-payment notice dated XX/XX/XXXX stating I had not paid my XXXX XXXX property taxes. This was another false claim as I paid my property taxes on time. At the bottom of the notice was the same statement " This communication is from a debt collector '' as was the notice I had received about my home insurance non-payment. On XX/XX/XXXX, I faxed the mortage company requesting the name, address and phone number of the debt collector company along with the reports the debt collector company sent to the mortgage company for both the home insurance non-payment claim and the property tax non-payment claim. I told the mortgage company that these false claims by a debt collector would possibly affect my credit rating and possibly go on my credit reports. I received a response from the mortage company dated XX/XX/XXXX they were not able to provide the requested document because " The production of the same is burdensome ''. What I need from the mortgage company is ( 1 ) the name, address and phone number of the debt collector company that sent them the false information and ( 2 ) all communications, reports the debt collector sent the mortage company ( 3 ) all communications the mortage company sent the debt collector. I need this information so I can review the information and possibly bring action agains the debt collector and possibly the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Financial Data Systems
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: Information belongs to someone else

Complaint:
This Collection company is reporting fraud/identity theft to my Credit Reports : Name FINANCIAL DATA SYSTEMS Address XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX number ( XXXX ) XXXX Please Close and Remove Account Off Credit Reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My daughter has a cashapp account for children under XXXX, which is called a family account under my name. XX/XX/2022 there were a total of XXXX unauthorized transactions from someone who my child does not know at all. The XXXX charges are as follows : {$15.00}, {$80.00}, {$100.00}, {$42.00}. Someone hacked into my child 's account and we provided proof to cashapp and now apparently after their " investigation '' they are saying that my child authorized these transactions which is a flat out lie and they are saying there is nothing they can do. My child is a teenager who works very hard for her part time job to make money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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: Credit inquiries on your report that you don't recognize

Complaint:
So I sent a letter off on XX/XX/XXXX and XXXX, 2022 here are my tracking numbers # XXXX and XXXX to remove inaccurate personal, financial, and late payments information that I don't want on my credit report and I would like the accounts deleted and removed off my credit reports. According to the fair credit reporting act 15 USC 1681 ( a ) and 15 USC 1692 ( a ). I have the right to privacy.

Also according to 15 USC 6802 ( a ), ( e ) 5, no financial institution is supposed to share my information with third-party people. 
The credit bureaus removed it and re-adding it After the first complaint I submitted and issued it back on my credit reports These are clear violations of my federally protected consumer rights.

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 2022-12-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted HSBC concerning payments not being applied to my account. The three payments were {$10000.00} paid XX/XX/XXXX, {$710.00} paid XX/XX/XXXX, and {$710.00} paid XX/XX/XXXX. All three payments were received by HSBC and I have an attachment to prove that they received the payments but did not apply them to my account. Each payments has a label suspense / unapplied. I spoke to a HSBC Supervisor and asked could she explain why my payments were not applied to my account. I informed the HSBC Supervisor why and where this money is being held and if she or someone else could explain. I informed the HSBC Supervisor that I sent a letter to the research dept and have not gotten a response. I asked her to get someone else to explain where my money is located and why it is not applied to my account. I informed the HSBC Representative that I was given a deferment in XXXX XXXX and it is not listed on the paperwork and the previous representative from HSBC asked me if I could prove that I made the {$10000.00} payments and the other two payments. I informed the HSBC Rep. that is the reason I paid you with a papercheck and sent it by certified mail. I wanted to find out why you were reporting to the credit bureau that I was two payments behind and owe {$55000.00}. I informed the HSBC Representative that when we started out the principal balance was a total of XXXX. The {$29000.00} amount included lawyers fees, insurance, and taxes that you paid. I wanted to find out why and how the amount get {$55000.00} and two payments behind. I called today XX/XX/XXXX and spoke to customer service and she gave me three balances : Principal balance XXXX Deferment balance XXXX, Escrow balance negative XXXX, and Corporate advances of XXXX. The total of everything added together is {$38000.00}. Im trying to find out how and why is the figure higher than what we started and where is my three payments that are in suspense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
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: Credit inquiries on your report that you don't recognize

Complaint:
i keep getting inquiries from this company after telling them over and over again there was no way i would make a inquiry 5 times back to back they finally send me a letter telling me they are concerned someone may be using my personal information.thats what ive been telling them for months

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 2017-04-26
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am very distressed AFNI have included the below information in my credit profile due to its damaging effects on my good credit standing. I have contact  XXXX   XXXX   XXXX   XXXX  they have never heard of me as a matter of fact I 'm not in the system of there 's. As AFNI are no doubt aware, credit reporting laws ensure that   XXXX   XXXX  &  XXXX    only report accurate credit information. No doubt the inclusion of this inaccurate information is a mistake  on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a home, better paying job and car for my family which was highly embarrassing and has negatively impacted my lifestyle.   I 'm sure you 'll agree it needs to be removed as soon as possible.   The following information needs to be verified and deleted from my credit report as soon as possible : CREDITOR AGENCY - AFNI Original Creditor -  XXXX   XXXX   XXXX   XXXX  {$510.00} Please delete the collection above asap possible.      XXXX   XXXX   XXXX   XXXX  Illinois  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are fraudulent and unauthorized Please remove immediately : XXXX ( I called XXXX and tried to put in a dispute but nothing ever happened ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage XXXX XXXX  ( I called to dispute the inquiries the agent on the phone hung up on me and was very rude ) ( Went into the Car dealer and salesman said they would run my credit for XXXX lender but they lied and ran my credit more than once without my consent or permission ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Transunion ( I called Transunion and the guy said he put in a dispute but inquiry is still there ) ( I didn't authorize this inquiry or give anyone permissible purpose or reason to run my credit ). 
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