BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the fair credit Reporting act XXXX  XXXX Account XXXX 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 a 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 purpose. 
LAW 15 USC 6802B A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party

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 2023-04-30
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:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Creditor Remarks state that the card was lost or stolen. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 2023-02-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home burned down on XX/XX/XXXX. It was a total loss. I notified our mortgage company ( PennyMac ) of the loss. The insurance company issued a check to me & my mortgage company. I endorsed the check & submitted it to the mortgage company ( PennyMac ) by certified mailthey received the check on XX/XX/XXXX. The funds were not applied to my mortgage @ which I contacted ( PennyMac ) to question why? I was told that they didnt know what to do with the funds, I was instructed that I had to request a payoff from the mortgage department, print it off, write the company a letter instructing/giving them the permission to apply the funds to the mortgage. That request was completed & sent to ( PennyMac ) on XX/XX/XXXX. I followed up with a phone call on XX/XX/XXXX, Spent over two hours on the phone only to find out that that still had NOT applied the funds to the mortgage. At that time I was told that the funds were in a restricted escrow account and that I had to pay the remaining balance in full before they would apply the insurance funds to my mortgage. On Monday XX/XX/XXXX we wired an additional amount of {$32000.00} to ( PennyMac ) which should have covered the rest of the mortgage minus the accrued interest & additional fees. PennyMac contacted me on XX/XX/XXXX to inform they had received the funds but I still owed {$1800.00} and they still will not apply the insurance funds unless I sent more money. 

PennyMac has set on the funds for more than a month ( Im sure they are drawing interest on {$240000.00} is substantial ). All the while they continue to charge me almost {$50.00} a day in interest which adds up to more than {$1500.00}. 

As of today after spending another hour on the phone PennyMac refuses to apply the insurance fund to my mortgage unless I pay them more. They have more than {$270000.00} of my money & they refuse to apply to my mortgage. 

There are thousands of customer complaints against this company. I have lost everything I own, I dont have clothes or a home and this company have the balls to treat the customers this way. Basically they are holding all my funds hostage until I send them more money. I in good faith have made every effort to pay off this loan. 

At this point I can not move forward. I cant rebuild or even get a loan because they will not apply the insurance funds that they have had for 32 days to my mortgage. 

I am at a loss at what I can do. They are money gougers.., nothing but greed. These loans are not set up to help the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 don't have any idea about these accounts. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CRE XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX section XXXX A Section XXXX : 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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 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 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 2023-04-30
Company: CITIBANK, N.A.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im in a Direct Violation of The Fair Credit Reporting Act XXXX : ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) BLOOMINGDALE/CITIBANK ( XXXX ) MACYS/CBNA : ( XXXX XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly stated that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Please Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting ACT/

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-10
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account with Chime closed on XXXX with no warning I was told it would take 30 business days to receive my money that was in my accounts. I have contacted Chime over 40 times since then and I am still waiting on my funds. No one from Chime has helped. I have giving everything to them that they have asked for. Still have not received my funds and it's going on 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 Chase bank called me from a local branch and told me they were sending me a new card because there had been attempted fraud on my checking account. 

On XX/XX/2023, I called Chase to ask when to expect the card to arrive I found out it had been delivered and that it had been sent to another address. I then checked my account activity and all but {$.00} of my funds had been withdrawn at a Chase ATM, a total of {$2500.00}. 
I promptly filed a claim with the bank fraud department. 

On XX/XX/2023, I received an update on claim stating that : " We found that the transaction ( s ) was processed according to the information you provided or was authorized " No adjustment will be made to your account at this time '' " Contact us if you would like to request the information we used for our research '' I promptly contacted the Customer Claims Department and was informed that the pin used on the account was correct. I told them I was called by someone at a local branch and it was probably a Chase employee at the branch. I also asked why my card was sent to an address other than mine because they had told me a Chase employee could not change the address a card it sent to. The rep told me that I had called and requested it to be sent there. I did not do this! 

I am distraught and shocked at the lack of professionalism I received when talking to the Claims Department employees, including a supervisor in the department. 

I need assistance resolving this claim please. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: DISCOVER BANK
State: CA
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 am a victim of identity theft there were multiple accounts opened under my name i have filed a report. 
DISCOVER FINANCIAL SERVICES WITH A BALANCE OF {$4100.00} is still remaining on my credit i did not open this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: Thaxton Investment Corporation
State: AL
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:
I am writing to you to request validation of the debt that has been reported to my credit report by Covington Credit. I have not received any communication from Covington Credit that validates this debt, and I am requesting that you provide me with validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FDCPA, I have the right to request validation of the debt and request that the debt be removed if it is found to be invalid. As such, I am requesting that you provide me with documentation that verifies the debt 's existence, the amount of the debt, and its validity. 

I request that you provide me with the following information : The name and address of the original creditor. 
The original account number. 
The amount of the debt, including any interest and fees. 
A statement that validates the debt, or proof of my agreement to the debt. 
If you can not provide me with this information, I request that you remove the debt from my credit report immediately, as it is negatively impacting my creditworthiness and ability to obtain credit. 

Please respond to this request in writing within 30 days of receiving this letter. If I do not receive a response from you within this timeframe, I will assume that you are unable to verify the debt 's validity, and I will request that you remove it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from MOHELA telling me that I am not eligible to qualify for the student loan forgiveness. They don't answer phone calls! No way to communicate with them. 

They stated that I have only 2 qualified PLSF Qualifying payments ( Public Service Loan Forgiveness Program ). They say I don't qualify XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 15 years! ( Florida ) XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/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 XXXXXX/XX/XXXX ) PLEASE HELP!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Please remove my personal information ), you can leave my name only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 did not authorize a recent credit inquiry, from XXXX XXXX and XXXX on 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 2022-12-13
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX  I received a bill from XXXX and XXXX XXXX XXXX regarding a previous appointment I had with the clinic. After the appointment I received a bill. I submitted it to my insurance and according to XXXX and white the bill was satisfied at the time. After about XXXX months I received an invoice from XXXX and white. I spoke with XXXX and white and they told me about a Medical financial hardship program. I signed up for the program, received the paperwork filled out and turned it in. XXXX and XXXX said I was approved and waived the financial responsibilities. Sometime later I started receiving letters from Harris and Harris Ltd. 
I have not responded to the letters because I dont know if this triggers a claim of responsibility for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 am continuing to get monthly statements that are affecting my credit. My purchase was cancelled before it even arrived. They continued to charge me for shipping and interest. I paid that to get them off my back but they are now calling again. Ive spoken to multiple people there that confirmed the account should not be active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Kriya Capital, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has an account on my credit report thats not mine. Ive tried several times to dispute it, but got no luck. Its XXXX dollars, why would I fight that small amount if its mine. Its not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
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: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX XXXX received an notification from XXXX that my credit decreased XXXX points due to an collection account that I have No knowledge of on XX/XX/2023, no one havent contacted me about this unknown collection balance for {$950.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then ask the credit Bureau for a verification for the collection so they did and stated everything was accurate. I did a review on the report and theres no information was shown that the debt belongs to me. I asked for verification such as Address, phone number, contact agreement, signature and witnesses for confirmation. This collection is forcing a debt on my credit report that is impacting my score tremendously and is unfair. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 secion 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 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I find out I have been a victim on an internet wire transfer. The scammer/hacker intercept a closing and provide wrong wire instruction and money went into a Bank of America account XXXX This was wrongfully wired to a domestic account with Bank of America. Since the discovery of this, XXXX XXXX  has filed a XXXX recall, XXXX against Bank of America for a recall. It's been pass XXXX days and Bank of America has only been responding the case is still under investigation and no additional information has been provided. Both XXXX XXXX XXXX and Bank of America are ignoring to further investigate into this case. Both party are denying information to me. XXXX XXXX from Bank of America responded to the first complaint by stating they will open a new internal case and ask me to provide a copy of the wire transfer and I did back in XX/XX/2022. When I called back to get more information about the case, she stated she has no further information and can not disclose any information regarding the status or when will the case investigation be over. XXXX XXXX at XXXX x XXXX XXXX XXXX from XXXX XXXX XXXX Bank has not responded to my inquiry on the status of recover the fraud wire. When I contact XXXX XXXX XXXX Bank to follow up, XXXX XXXX say XXXX XXXX and their representative did not contact them or respond to the inquiry. Bank of America have ignore and left the case as opening and refuse to cooperate with XXXX XXXX XXXX Bank to resolve this. How can the public trust and be protected if both these big financial institute refuse to resolve client 's issue in dealing with a domestic account? Why is Bank of America allow to not respond to XXXX XXXX XXXX on a domestic wire transfer fraud and leave the case in open 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 explanation