BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: Paypal Holdings, Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had several accounts with VENMO and the last one I had was under the name : XXXX XXXX ( XXXX ) Little-Theo-Brother ... 

I have been getting my XXXX XXXX sent there on and off for months. There has been entirely too much hassle updating my profile and getting access to my funds. The representatives have been difficult and rude to me and constantly denied access to my funds I have about 2000 funds in my personal and business accounts, XXXX XXXX XXXX. 

Almost every day of the past three weeks I have dealt with the staff unsuccessfully. These are a few of the references numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these have resulted in my funds being frozen and denied a refund check or direct deposit for 180 days without interest which is in acceptable. 

I am a top member of the US intelligence community and they have even insinuated that I am a drug dealer using this account to launder funds. 

The only monies coming to this or any accounts in the past have been from the US TREASURY.

I DO NOT RECOMMEND THIS ORGANIZATION TO KEEP ITS LICENSE TO OPERATE IN THE US.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
For the last 5 years Syndicated Office Systems and Central Financial Control has been putting duplicate debts on my credit report. I have attempted to dispute but was given the run around. These two companies have a total of {$19000.00} on my credit reports when they have only verified XXXX account for {$2300.00}. I have paid a few grand about {$3000.00} over the last few years only for them to never update my report or lessen the amounts. I am aware of a lawsuit against them and want these removed. They have ruined my life making credit hard to obtain because of the false information they have reported. I have attached my credit report that shows the same amounts being reported by the same company under differnt names. This has been a nightmare and they have been absolutely no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I FILED A DISPUTE TO REGARDS THE ITEMS AND I HAVEN'T RECEVIED ANY INVESTIGATIONS RESULTS IT BEEN WELL OVER XXXX TO XXXX DAYS. INTO THE INVESTIGATIONS. NO RESULTS ACCOUNTS XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mom applied for a loan with New American XXXX  in XXXX. Meanwhile my mom passed away on XX/XX/XXXX. We have court litigation going on because my brother created a new trust but did not fund the trust with the properties and it appears the new trust will be thrown out. 

The properties belongs to the XXXX XXXX XXXX XXXX and it is recorded revealing that I am one of the co-trustees. 

The lender did not asked for proper documentation showing that my brother is legally responsible for any of the properties ( 4 ) but yet the lender made my brother the owner just on his word. 

New American ( XXXX ) XXXX Loan Numbers ( 1 ) # XXXX ( 2 ) # XXXX I expect the lender would ask for proof such a court order before changing the ownership of the properties. 

Thank you, 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 2016-10-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank with Fifth Third Bank in XXXX Ohio. I have a business checking, personal checking, savings, and XXXX investment accounts with them. 
I deposited a business check from a customer out of state that I have deposited XXXX checks in the past two and a half years without any problems with regard to XXXX. 
I have not deposited a bad check since opening my account with Fifth Third in XXXX. 
The check was deposited on XXXX XXXX, XXXX and cleared by the bank that it was drawn on on XXXX XXXX, XXXX. 
Funds were withheld from my use until XXXX XXXX, XXXX. 

It 's obvious to me that Fifth Third Bank has the use of MY money from XXXX XXXX to XXXX XXXX, XXXX and therefore making money off of my money without compensating me. 
Is this practice one that is condoned by CFPB?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My son was in XXXX in our before we moved. As soon as I knew we were moving I notified the school. It was n't until the week we were moving that I was told to notify the billing company. I did so. Never received a response. Got a collection notice from MG Credit. I immediately requested verification. What I got16 days later was a partial retail installment contract that only verified a contract was signed but was missing the original pages. The original contract is null and void due to the fact that in Florida any company wanting to write a Retail Installment Contract has to be licensed to do so per FS 520.32. Also I have been unable to locate a business license or a DBA in the state database. They were told not to attach this to my credit report and they have. I notified them of their fictitious paperwork on XXXX/XXXX/14. They have since not responded. In my last communication they were given 30 days to rebut it and they did n't. Since then I been sent a new collection from the same company with a different account number. I am rebutting that now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Professional Recovery Management
State: TN
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:
I sent a debt validation letter to this company in regards to a debt being report on my credit report. The company failed to validate the debt instead they sent a list of my medical records, I know this is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to obtain and or access this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I am XXXX XXXX a consumer and natural living person submitting this complaint and there is no third party involved. I have been violated and Transunion committed fraud on my consumer report. I did not consent, benefit, nor authorize these fraudulent accounts on my consumer report. I demand TRANSUNION DELETE IMMEDIATELY.

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 2022-07-06
Company: Bread Financial 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: Was not notified of investigation status or results

Complaint:
This account XXXX XXXX was transferred to XXXX without notifying me , which is in violation of my rights. It seems that the bureaus and the creditors disregarded my several complaints and letters requesting for the validation and proof of this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had XXXX in XXXX of several accounts I had with PNC bank. On XX/XX/23 I got a letter stating that they were closing this account do to inactivity, I called immediately to see if I could fix that by using the account or transferring the money to my saving or checking etc. This was an account I had to save money that I did not want touched I did not know I needed to do something with it. When calling I was told the money would be sent by cashiers check, i was unhappy with this because it's not safe with our current mail system they said it was to late to transfer. I didn't understand how they could do this and I was told they were choosing not to do business with me any longer. I said so are closing the other XXXX account in my household. She said no just this one. On XX/XX/XXXX I called back because I still have not received the check. I was then told by PNCthat they did not send the money to me and they could give me no further information, that at this time they were choosing not to do business with me I have other accounts with my day to day stuff in it. I work my XXXX off to have this money just vanish. No-one is helping me at the bank and won't tell me where the money was sent I owe no-one money All my accounts are in good standing I own my car I have no collection agency calling I don't " know where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a previous Master card ending in XXXX that had some fraudulent charges Capital one agreed these were not my charges while this happened, I was working a XXXX shift at XXXX my employer. These charges resulted in some valid merchandize charges being cancelled also. This started around XX/XX/2022 I paid for the valid merchandize on my XXXX XXXX XXXX  card ending in XXXX on XX/XX/2022. ( See Statement ) I paid for 5 different charges on my visa this date all was deemed paid in full except for {$160.00}, Capital one has added it 7 -Seven times to my account not any of the other 4 transactions only the {$160.00} telling me that I owe them this amount please see my account. Let me tell you that again 7 times yesterday they said because the transactions do not match, I must be lying, and I have purchased different items I sent them all of my transactions on my XXXX account which I have included here showing that I have not purchased any other items in the amount of {$160.00} I sent them the detailed item report included here from XX/XX/XXXX through XX/XX/2022, My XXXX Account, My XXXX  XXXX Account I have sent them everything but my XXXX XXXX  child but they insist that I am lying to them. I have called XXXX 's credit department I do not have any outstanding or unpaid debt owing XXXX. Yet CAPITAL ONE still will not credit the money owing and cancel this card once and for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm being sued by a company for a past due card debt that I'm unaware of and was impossible for me to have charged these fee 's. I moved to XXXX early XX/XX/XXXX now its XXXX. The charges was made in middle an end of XXXX. I'm asking for my name be removed from this debt due to fraudulent charges made with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, 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:
enclosed are the documents to prove the FCRA violations done.

wrong, names, addresses The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXXs a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

with all the incorrect information how could i actually have a fair opportunity to even see any of the debt or violations ... ...

FCRA laws Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States.

so please remove all the accounts see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Convergent Resources, Inc.
State: OH
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 is my third time disputing fraudulent accounts on my credit report. There are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX -CONVERGENT OUTSOURCING # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 2019-03-11
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried over and over again to work it the Owner of my loan XXXX XXXX   XXXX First it was XXXX XXXX, The lender was XXXX XXXX XXXX, I had XXXX as the servicer and now Loan Care which the situation has been basically impossible meaning I have been sending documents with assistance and after sending document in XX/XX/XXXX & XX/XX/XXXX with a case referral number : XXXX when they realized they had the requested documents, they came back with another request for more documents. Now they are saying they refuse a loan modification because I did not submit the documents. What documents? The loan started out at {$790000.00}. and now I owe : XXXX. What happened to all of the payments that I have made on this loan? XXXX XXXX   sent me a letter dated XX/XX/XXXX claiming that I needed to send {$13000.00}. They accepted the payments and then on XX/XX/XXXX they returned you the payments with a letter telling me I had to pay {$17000.00}. That is not what the agent told me when I made the payments over the phone and given a confirmation number. XXXX XXXX  is constantly adding fees and charges to what I owe. 
I have submitted to the new Servicer Loan Care 10 total packages for a loan modification and the last two requests a hardship letter that they never mentioned before and a signed Borrower 's expense sheet. both submitted XX/XX/XXXX. The fees are constantly going up. Please Help Thank You

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 2022-02-25
Company: EQUIFAX, 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 NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XXXX XXXX, 2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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 NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.

Company response to consumer: Closed with explanation