BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Cedars Business Services, LLC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, I have reached out to this company, Cedar Financial or Cedar Business, several times to remove this debt from my credit report. A balance is still showing in a collections status. I made a payment to XXXX XXXX in the amount of {$3500.00} on XX/XX/XXXX. Please see attachments below. For some reason this company is still attempting to collect this payment that has already been made to my institution. 

In the beginning of XXXX, I began my XXXX XXXX  at XXXXXXXX University. I was heavily affected by the pandemic, and due to some health complications I was not able to continue with my courses at XXXX. 

My university sent me an email notifying me of an unpaid balance of {$3500.00}. They also stated the account should be paid by XX/XX/XXXX. As you can see, I made the payment and received a receipt from the finance department. I assumed that everything was resolved from there. 

A few months ago, I received a notification from my credit monitoring service of a collections account from Cedar Financial. Upon further research, I realized the debt is in connections with a balance due from XXXX University. Again, with no avail I have reached out to Cedar Financial several times. I have also requested the credit bureaus to validate this debt and remove it from credit report. I have yet to receive any documentation regarding this account. I even reached out to my bank to provide bank statements from last year to ensure the payment went through successfully. I have my bank statement from XX/XX/XXXX available if you need to see it. It also shows that payment made to XXXX University. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, is violating 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. 
Not only is this completely unfair and unjust, again this is in direction violation of the laws that protect me as a consumer. I am requesting that this account be deleted from my credit report immediately. 
I understand there was some sort of mistake made ; I am simply requesting this account to be removed from my credit report. Please help me resolve this urgent matter. 

Thank you kindly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: United Debt Holdings, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today I was called on my cell phone twice by a woman named XXXX XXXX. This lady tells me she is calling me about a claim she wants to serve. I asked her what she was talking about and she said she just wanted to verify my address so she can come confront me. I hung up to call the police as I felt threatened. She then calls my job and tells my employee ( I 'm a XXXX XXXX ) that there is a claim that I have outstanding and she wants to verify the address. I called the number they left. They literally refused to give any information about themselves except to say they are XXXX XXXX. They flat out said they are not a collection agency. They refused an address ( physical or post office box ). They refused any information about corporate. They said XXXX is a " locator '' but they do n't know for which company. I finally figured out what the call is for. It 's a collection agency over a loan I forgot to pay on. I called the original creditor. They said all United Debt Holders ( a collection agency ) at XXXX. I called there. They stated that XXXX XXXX is in fact a collection agency. I advised them they violated the FDCPA and I 'm filing a complaint. 

I will pay this bill but I wo n't give out my financial details to someone who refuses to provide me any verifying details. I want them disciplined for their illegal actions. Then, I will pay this debt.

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 2017-08-25
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe I am due more for what I have been through. I have tons of papers. It shows on my older credit reports that they now have removed. I lost everything! It started with XXXX, who sold to XXXX, who sold to XXXX, who sold to XXXX, who sold to XXXX XXXX, who sold to JPMorgan. There may be more in there somewhere. 
XXXX was the one who started the trouble. They paid my homeowners insurance out of my escrow. Then sent me a letter saying I did n't have homowners insurance and so they were insuring it for a great sum, and that it put me 3 months behind on my mortgage. Then the phone calls, at my work, my home every 2 minutes. 
I had the paper showing that 'they ' paid my insurance out of my escrow. I faxed it to them. I called to be sure they received the fax. Nope. They gave me a new fax number. I called to be sure 'they ' received the fax. Nope. And on it goes. Then the letter that I owed their lawyers {$4000.00} approx. which put me even further behind on my mortgage. 
Then another game : Modification. 'They ' modified the smaller loan and said the other would follow suit. Nope. 
Then the foreclosure papers. On and on and on .... I would like {$200000.00} for all I lost, emotional distress, health issues now, and this is the amount it would take to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 information was misused and Transunion hasn't been reporting 100 % correctly dealing with reporting dates and not having the correct name on the accounts that i need removed.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2018-04-30
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$160.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To Whom It May Concern, On XX/XX/2017 I learned of unauthorized charges to my PNC Bank Checking account. I immediately went into a local PNC Bank branch to report them. 
I was given a new debit card with new numbers. 
On XX/XX/2017, I emailed AND mailed a physical copy of my official request ( in letter form ) to investigate these unauthorized charges. 

The following week, temporary credit was offered by the bank. 
Also during the following week, I had to make another phone call to dispute XXXX additional unauthorized transactions in my account. The transactions involved the SAME company as those attached to the earlier unauthorized transactions. Temporary credit was offered by the bank for these as well. 

It has been 45 days since my visit to the bank and letter was mailed out. 
I want to know if the bank has broken federal law by not resolving this issue ithin 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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 XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2017-08-25
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I maintain account with Paypal. Account is frozen, and I can not remove funds because of " compliance '' issues. Paypal compliance insists on needing a XXXX from me. I sell jewelry online but i do not buy from the public so a XXXX is NOT needed to be developed by me. Paypal is giving me the run around for 2 months, I can not talk to anyone in Compliance over there, and my account is frozen with no ability to withdraw funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have been disputing the said Bankruptcy Chapter XXXX with an inaccurate case number with Both Transunion & XXXX since XX/XX/XXXX. They have repeatedly changed how my disputes were worded, A Transunion Representative by the name of XXXX XXXX Whom I spoken with today XX/XX/XXXX @ XXXX stated Transunion get their verification for Bankruptcies directly from the courts. And I was told this before also by a XXXX Representative XXXX with employee Id # XXXX today XX/XX/XXXX, so I did my own research But when I have contacted the courts I was told by their Representative that they do not report to any third party companies, and she directed me to PACER to put in the both different case numbers thats being reported by XXXX & Transunion , and they BOTH came up an invalid case number was entered. Also on the credit reports it states they get their information from another Third party Company XXXX and says nothing about receiving information directly from the courts, Which is clear Proof of the inaccuracies being reported by Both Bureaus. I have consistently sent in proof with every dispute and each time they say its verified with no proof as to how they both did their first investigations, Or they mysteriously didnt receive the disputes I have sent By Certified mail each time. also When I initially started my disputes back in XX/XX/XXXX, when I noticed these huge differences of reporting between the two companies, and after each dispute, I have requested validation as to what Company they have done my investigation through, & how they came to the conclusion of an accurate reporting of that case numbers, but both Transunion & XXXX are NOT abiding by the FCRA laws and these companies really need to be investigated! And I am still Demanding under the FCRA that account to be Deleted immediately from both of them.

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 2022-09-02
Company: EQUIFAX, 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 15 U.S.C 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 2017-08-25
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my XXXX credit report this morning. There was a new entry from Diversified Consultants Inc on there. Supposedly I opened an account on XX/XX/XXXX of this year with XXXX XXXX with a balance of {$460.00} with a high balance of {$93.00}. I have no idea about this account. I have fraud alerts on all my accounts and credit reports, I am a victim of identity theft and I get reports whenever anything changes on my credit reports from XXXX XXXX, XXXX XXXX, and XXXX. This entry is not on my XXXX XXXX report. I want this removed from any of my credit reports. I do not have any loans that were opened this year and especially with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
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: Old information reappears or never goes away

Complaint:
This morning I checked my credit report with Experian and XXXX XXXX XXXX is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back to XXXX. I see that the account # they use is XXXX. And the date they reported was XX/XX/XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid XXXX along time ago ; so all information is incorrect.

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 2022-09-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am an authorized user on the account for over 15 years and I did my and you checking account from XXXX XXXX XXXXXXXX. I process the payment in full just like American Express money and it said it with the account on hold for seven days and stopped all my charging privileges suspended my account. Ive already filled out the verification for multiple times and provided and support regarding this. I spoke with both XXXX and XXXX who were Extremely rude and XXXX use the wrong pronouns to describe me it was extremely upsetting! I went ahead and XXXX processor verification form and they continue to like the entire process, this has been genuinely upsetting. If American Express does not want to get paid them please let me know and I will no longer process any payments and do business with you again. Also because I promised a payment in full you guys ended up taking the money out of my checking account and refused to process it towards my spending power, if you guys dont want to get paid then please just refund me my money instead thank you. XXXX was also very condescending

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-02
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: Investigation took more than 30 days

Complaint:
n accordance with the Fair Credit Reporting act US BKPT XXXX XXXXXXXX XXXX Reference # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX {$300.00} open XXXX, Closed, XXXX XXXX XXXX$970.00} # XXXX XXXXXXXX XXXX XXXX, closed, XXXX XXXX XXXX {$2500.00} collection XX/XX/2022, Department of Treasure {$220.00} 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 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
This morning I checked my credit report with XXXX and XXXX XXXX XXXX is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back to XXXX. I see that the account # they use is XXXX. And the date they reported was XX/XX/XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid XXXX along time ago ; so all information is incorrect.

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 2017-08-25
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Ok ... i want the cfpb to know that ocwen loan co contacted me approx 2 or 3 weeks ago and said I could fill out another application packet bc our foreclosure is on hold..which is not true ... the judge already gave XXXX XXXX  summary judgement ... .but they did mail me a packet ... .and then called back about a week later and wanted all my attorneys info ... i gave it to them ... but I have had an attorney for 4 yrs now and this is the first time they have ever asked for his info ... .and then proceeded to tell me all communications must go through my lawyer ... .but when I received the packet I filled it out and faxed it yesterday 3 times!!!! Yes ... i faxed it 3 times ... they always have me refax..redo..resend ... well it 's complete as of yesterday and faxed 3 times ... and my lawyer has an offer in to ocwen for a short sale ... which would allow me to rent it at a much lower payment ... ..and eventually maybe someday own it ... .im letting you know this bc ocwen is plum crazy ... and they are gon na say sorry we ca n't accept your application bc your lawyer did n't fax it ... or sorry we ca n't do the short sale bc it was n't submitted on the right papers ... so we have to take it so we can sell it on XXXX ... ..bunch of garbage ... .ocwen needs to stop this insanity and you guys are the cfpb ... you are suppose to be protecting me from. Unfair ... deceptive..and abusive practices so I suggest you start doing it ... send this to your c eo XXXX it!!!! 7 yrs in enough ... i bout to tell them to take this house and XXXX XXXX ... if I did n't have children ... i would have already!!!!

Company response to consumer: Closed with explanation