BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX XXXX Department of EducationXXXXXXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-06-10
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I refinanced my primary residence. This transaction paid off the existing mortgage with Ditech in the amount of {$120.00}, XXXX [ document available but not included due to personal content ]. At the time of this transaction there was {$4500.00} in escrow with Ditech. On XX/XX/XXXX at closing the new mortgage company paid XXXX property taxes in full {$4000.00}. 

XX/XX/XXXX XXXX XXXX XXXX XXXX received a payment for full taxes by Ditech. 

XX/XX/XXXX I received a check for XXXX from Ditech as the balance of escrow [ document included ]. 

XX/XX/XXXX I called Ditech and talked with XXXX. XXXX stated that the reimbursement was already in process and would be complete on XX/XX/XXXX. 

XX/XX/XXXX I called Ditech to see if the action had been completed and was told XXXX was the scheduled date. 

XX/XX/XXXX I called XXXX XXXX who reported that the reimbursement was made on the XXXX. Printed copy of XXXX XXXX Tax Statement indicates two payments were received one on XX/XX/XXXX and one on XX/XX/XXXX. It also shows one reimbursement on XX/XX/XXXX. This is included in the documentation. 

XX/XX/XXXX I received documents saying my load had been paid in full with Ditech. Cover letter included in documents. 

XX/XX/XXXX I received original loan documents from Ditech. Cover letter included in documents. 

XX/XX/XXXX received tax document FORM 1098 dated XX/XX/XXXX with Taxes Paid {$4000.00} document included. 
XX/XX/XXXX I called Ditech only to be told it would be 10-20 days before I would see my check. 

XX/XX/XXXX I called Ditech twice only to be hung up on. 

XX/XX/XXXX I called Ditech there is no record of my account. 

XX/XX/XXXX I contacted our mortgage broker explained the situation and asked for assistance and advice. He explained Ditech had been sold to XXXX and to call the new company. 

XX/XX/XXXX I called Ditech where I spoke to manager XXXX who was going to investigate this situation and call me back. I told him that I would wait on hold and he told me no he would call me back. 

XX/XX/XXXX I called Ditech their phone was disconnected. 

XX/XX/XXXX, XXXX, XXXX, and XXXX I called XXXX. XXXX is an umbrella company for three mortgage companies and you can not proceed through the phone tree without a NewRes account number. Personal contact is not available. 

XX/XX/XXXX I contacted XXXX XXXX, Real Estate Attorney. XXXX said this is really unusual and I needed to file a complaint through the Consumer Finance Board and he could not help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Automatic Data Processing, Inc.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, and XXXX i purchased XXXX items from XXXX as a result, XXXX item was a XXXX for my car and the other item was a XXXX for XXXX as a result, both items were defective! The shoes were not in good condition they were falling apart and the parts for my car were missing screws! I contacted XXXX about it and my claim was denied due to at first i stated i didnt receive the item which was true but weeks later received it but it was defective! I was very furious after getting denied through XXXX so i contacted adp regarding this transaction and weeks later my claim was denied i was very upset after being denied twice by XXXX and my card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Experian Information Solutions Inc.
State: KS
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 have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed.     Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act.     Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer.     Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client.     This is complete abuse of the credit bureaus, inaccurate reporting and holding credit repor ting hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with 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 2022-05-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX  XXXX Department of EducationXXXXXXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
1 ) raised a dispute request 30 days back with XXXX regarding my credit score decrease drastically, they investigated and gave some of the credit points, but not fully. 

2 ) raised a dispute request 30 days back with Equifax regarding my credit score decrease drastically, seeing same credit score even after investigation .. so raised second dispute with unsatisfied results

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We borrowed about {$10000.00} from LoanMe. They said we could pay it back early, but I knew it would take a long time. I did not realize that if we kept it for the full term of about 7 years that we would be making payment of over {$70000.00}. That seems illegal under Usury Protection laws if there are any Federal or State Laws left that cover this situation that probably XXXX of other good Californian 's got themselves. Is there any way for regulators to stop this type of irresponsible lending by LoanMe and now others who are engaging in these unrealistic loans that probably will not be paid off? XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Servis One, Inc., Titusville, PA Branch
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Sherriff Sale was on XXXX/XXXX/2015. Financial package requesting loan modification was submitted on XXXX 2015, Sherriff Sale was postponed to XXXX/XXXX/2015. Document requested on XXXX 2015 were submitted, contact with the special contact person on XXXX confirmed they had everything needed and case was on review. No mail or phone call since then, now its XXXX/XXXX/2015, after several ph calls, to no avail, requested to speak to customer service. This Department explains that the special contact person is the only one that can discuss this case. That the last Notes on the case were when docs were received on XXXX and case was sent to review. Sherriff sale still schedule for XXXX/XXXX/2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We have brought our account current after a few months of late due to loss of employment and then a XXXX diagnosis. the account has not been updated with the bureaus since XX/XX/XXXX. We were told they began using a new computer system and that is the reason for delay. The information on my husbands account does not reflect the same as my account on the bureaus. After speaking with the escalation team XXXX ( manager ) in XX/XX/XXXX, he confirmed the account was in fact reported incorrectly and that they would need 30 days to update. It has been 180 Days since any reporting to the bureaus.

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 2022-05-14
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with 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 explanation
Consumer complaint received 2016-02-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In attempt to cancel checking accounts with XXXX XXXX Bank through website ( I work as XXXX and can not make it to bank during working hours w/o loss of income ) I received service fees. I paid the one I am responsible the remaining were caused by lack of proper communication on the part of the bank. This information has been sent to the collection agency. They have provided no reply except for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: EQUIFAX, INC.
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Date : XX/XX/2018 Open : XX/XX/2018 Amount : {$13000.00} XXXX XXXX  put us in collection with XXXX XXXX XXXX XXXX trying to claim that I and my spouse own them {$13000.00} which we're not because we move out before the eviction date which was the 3 days notice they told us on the paper and stick it on our door but we didn't go to court and and court already said that its dismissed but they still want to claim us which we believe its a lie saying XXXX now when we went to the apartment to make sure now they told us to pay XXXX something now as you can see the property trying to tell two different story here and trying to collect the past rent but with the law for Washington state saying that on XXXX also saying if you move out before the expiration date they gave you they should not lay hand on your money no matter if you own them past due rent ... so now my lawyer is trying to see because he told me he don't see any eviction for XXXX XXXX in XXXX WA so now its getting cold and we live in our car because of this.. So please disputed this from all of the three credit from mind and also my spouse credit thanks and may god bless us all thanks for reading this.. 
if you want me to email the paper court please send me your best email and a phone number so i can send you all the document you need. 
and your name thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Northland Group Inc
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had originally established a repayment plan of which I had paid all but the last payment. The bank account I used to pay the account ( XXXX, had a security breach and cancelled a large percent of their customers cards due to the breach ). Because of this I had to resubmit the payment method to pay the last payment and complete the agreement, which I did. Then Northland Group then did not withdraw the amount for the last payment on the agreed date. Upon realizing that the final payment was not made, I answered a collection call and spoke with a representative on XX/XX/XXXX. I explained the situation, she said that I could pay the last payment and it would be done. I was at work and did not have my debit card with me and took down her name, number and extension and told her I would contact her with the info from the card to complete the transaction. Upon calling the number I found that I could not reach her and was not able to complete the transaction. I then received a letter around the end of the following week stating that the agreement was cancelled and I now owed {$480.00} in place of the final {$48.00} payment. I contacted the number listed and was told there was nothing I could do, despite the previous efforts and attempts to pay my final payment and the company not following through on the agreed upon plan. I have tried to handle this issue with the Northland group and their inability to honor the agreement appears predatory and dishonest. They have had the new card information on file since I called it in, they had it when I was told I would have to resubmit it and they have not made any effort to mitigate their mistake of not charging the card on the agreed date before. I feel that due to their lack of responsible business practices that my debt should be considered " paid in full '' and utilize this case as an opportunity to better their employees or leadership actions to ensure that another person is n't subjected to several interruption incidences that create unneeded stress on someone who obviously is already under financial stress and trying to repay their debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10
Company: Paypal Holdings, Inc
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
HelloMy name is XXXX XXXX, i live in XXXX and a few months ago I opened a paypal account so I can receive funds send by a friend in XXXX. I sent them every document they need and they activated my account. After a few transactions, each XXXX under XXXX $ I got an email saying I reached the transfer limit of {$2500.00}. They wanted more documents, which I provided again and they reactivated it again. After a few more transfers and about a month later they suspended my account and wanted me to prove my business and the items I sell, what website do I operate and more absurd questions like that. I have no company, no items to sell and I just use the account to receive money from an US citizen. I have never used the account for something else. I respectfully explained that to them but they can not understand, they keep sending me automated messages about their TOS and about me not cooperating and not telling them the truth. 

This is an ABSURD situation, I have no idea why they keep harassing me like this! I only made about XXXX transfers, a grand total of {$5000.00} in 2 months. 

They blocked my funds and the account and they now refuse to give my money, telling me I have to wait 6 months to get it!! 

This is outrageous! I am living a horrible dream, its impossible to talk to those people. They abuse their power and impose abusive methods like holding my funds. 

Please help me solve this issue as I have no one on my side! 

This is what i get when i login to my account! 
" XXXX XXXX, 2015 : When you signed up for your PayPal account, you agreed to our User Agreement and Acceptable Use Policy. Because some of your recent transactions violated this policy, we 've had to permanently limit your account. 
Please remove any references to PayPal from your website. 
You 'll be able to withdraw any money in your account 180 days after your last transaction. We 'll email you when it 's ready to be withdrawn. 
( Your case ID for this reason is XXXX. ) XXXX XXXX, 2015 : We need some more information about some of your recent sales. 
( Your case ID for this reason is XXXX. ) '' I do n't know what they are talking about. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-18
Company: F & S Financial Marketing, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I am a cosigner on a car that is up for repossesion. The financial institution ( FNS financial ) is calling me three times a day, threatening to file a criminal warrant against me for non payment. They are calling my job, I have advised them I do not have the money. They are continuously harassing me. This is a civil problem, not a criminal problem, and calling me three times a day is n't going to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2018, a derogatory remark showed on my credit report from XXXX XXXX over an account that went to collections for {$50.00}. The account number was not mine. My account has been set to auto pay ever since it was opened and has ALWAYS had a ZERO balance. After several months of back and forth, XXXX determined the account was erroneously created by an affiliate store who was renewing my account and upgrading my phone. The balance was zeroed and the account closed. XXXX refuses to remove the derogatory mark from my credit report. 

So to summarize : an account I didn't open, that wasn't mine, that I didn't get a single notice about, is hurting my credit score.

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 2021-11-17
Company: Kingston Data & Credit International Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Theres a gym called XXXX XXXX they tricked into a membership to sign up for a promotion they had for {$1.00} a month and then turned around and said I owe them around {$2000.00} dollars! Now they have sent my account over to a collection agency named Kingston collection Ive tried to dispute this with both the gym after they never canceled my membership after the first month of me requesting to cancel it they also told me if I didnt work out there after that month it would be automatically terminated! I would like this matter to be properly resolved and Kingston collection to take me out there database!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX claimed that I owed them money ( {$830.00} ) back in XXXX, 2017. They said that I was XXXX XXXX with an address located in XXXX, AL. I made several attempts to correct with them, and they said that there was nothing they could do, since the account had been turn over to a collection service. I corrected what incorrect information I could on my credit report. Now, XXXX XXXX XXXX has assumed that debt, and filed it against my credit report. I have received no communications from them, but my credit rating has dropped almost 100 points, and I am trying to get a home mortgage! I have disputed the account through Transunion - again. Neither XXXX nor XXXX XXXX XXXX will acknowledge the error, with each pointing to the other saying they are not responsible. I have never owed XXXX money.

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