BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX. XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XXXX and XX/XX/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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Zip Co US Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
To Consumer Financial Protection Bureau, I am writing to file a formal complaint against Zip  ( XXXX ) regarding ongoing account hold issues and unethical practices that I have encountered on their platform. Despite my attempts to resolve these issues directly with Zip, I have not received a satisfactory resolution, which has led me to escalate the matter to your esteemed organization. 

On XX/XX/21, I reached out to Zip 's support team regarding an account hold triggered by signing out of my previously logged-in devices and re-signing in ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ) on the same day. I requested immediate removal of the hold, as it was preventing me from creating new virtual cards or making purchases using Zip. Although the hold was temporarily lifted after the 48-hour period, I encountered the same error message when trying to create another virtual card for a different purchase. This recurring issue has happened more than 15 times since I joined Zip earlier this year.

Zip 's support team has assured me on multiple occasions that this issue would not persist in the future once the temporary hold is automatically removed. However, the problem continues to recur without any just cause. 

Additionally, I would like to bring to your attention the unethical practices exhibited by Zip 's support team. They have repeatedly provided false promises, assuring me that I need not worry about the issue recurring in the future. This lack of accountability and failure to deliver a lasting resolution not only causes inconvenience but also undermines the trust I have placed in the reliability of Zip 's services. 

In light of these ongoing account hold issues and unethical practices, I kindly request your intervention in this matter. I seek the following actions to be taken by Zip ( XXXX ) : 1. Immediate removal of the account hold that is unjustly preventing me from creating virtual cards and making purchases. 
2. Implementation of effective measures to prevent the recurrence of such account holds in the future, ensuring a seamless and uninterrupted user experience.

3. Increased spending power limit to compensate for the inconvenience caused by these ongoing issues and to provide a more satisfactory user experience. 

If Zip ( XXXX ) fails to address these concerns in a prompt and effective manner, I kindly request your assistance in investigating this matter further and taking appropriate action to rectify the situation. I believe that the intervention of the Consumer Financial Protection Bureau is necessary to ensure fair and ethical practices within the industry and to protect consumers from such recurring issues. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and fostering a fair marketplace. I look forward to your feedback and a resolution to this complaint. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 have noticed some fraudulent accounts and unauthorized inquiries appearing on my credit report I have attached supporting documentation.

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 2023-09-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent the credit agency copies of my FTC report and other information to delete these identity theft accounts from my credit report. They are not doing the correct disputes and not attaching the correct information to them. I am not getting copies of the verification process per the FCRA. 

This are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Valor Intelligent Processing, LLC
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used to use XXXX for home internet. 

On XX/XX/XXXX, I called and cancelled XXXX XXXX account, and received confirmation my service would be discontinued and that I would not owe any further balance. This cancellation was confirmed as processed via an email from XXXX  on XX/XX/XXXX. 

On Thursday, XX/XX/XXXX I was contacted by a company called Valor VIP claiming I owed money to XXXX for service for the month of XXXX. 

On Thursday, XX/XX/XXXX I sent Valor VIP a copy of my cancellation confirmation showing I did not receive service in XXXX. I also showed my last statement which covered services from XX/XX/XXXX - end of service, as well as a confirmation that my payment on XX/XX/XXXX went through successfully, covering the final bill. ( The statement also showed the payment due date of XX/XX/XXXX ) On Thursday, XX/XX/XXXX, I called back to confirm they received my email. During this time the woman I spoke to said my charge was due to me owing $ XXXX month and only paying $ XXXX month. At this point I told her to refer to the statement credit at the bottom of the invoice, showing I was given a promotional credit of {$10.00} off my regular monthly bill. I was told they would follow up via email. 

On Friday, XX/XX/XXXX, I received an email back from XXXX XXXX ( XXXX ) saying I was being billed for XXXX. She told me the statement I sent her was from XXXX. 

On Monday, XX/XX/XXXX, I sent the same statement with the dates circled. She followed up saying that there was more than one month that had a balance that was unpaid. 

On Monday, XX/XX/XXXX, I emailed Valor VIP asking specifically which month showed a balance. I also sent over confirmation of payments from all of XXXX. After not hearing back, I called again at the end of the day. I was told they were looking into it and then was hung up on. I called back, and was hung up on again. I called back one final time, and the woman stated she didnt know which month I owed and that she wouldnt be able to share that information with me. I asked if this meant the debt was cancelled, to which she replied no and hung up on me again. 

I am grateful I was able to download all of these statements and payment confirmations when I did. Upon logging into the app today, on XX/XX/XXXX, my billing section now shows access restricted and I am no longer able to see the statement balance and payment history. I do believe XXXX is attempting fraud, and I suspect its happening to others as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I contacted AFNI in regards to this debt with XXXX XXXX XXXX that appeared on my credit report. At the time they state that this debt occurred I was only XXXX years old and have never had phone service with XXXX XXXX XXXX and someone must have used my information to establish service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I was trying to use money and they denied me access to my available funds. And said I cant use them for 7-14 days with no explanation or warning at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
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:
I was trying to fixed my computer, and I XXXX it the question so there is a website coming up, I clicked on it, it looks just like a official XXXX website so I contacted them, they used an app kind of monitoring my screen and said that they gon na send me a code or something need go to my bank app and type in.They transferred all my money! I realized that was a fraud so I called my bank right away when the transaction is still pending. And the lady who picked up the phone told me that dont worry, shes going to report it and get my money back. So I was waiting for so long, finally I called again, somebody else picked up the phone telling me is because I am the one sent the money out so thats gon na be different situation, I said yes, because it was a fraud, they made me to do it, I dont even realized I was sending the money. And finally they said they were negotiating with the other persons bank. I dont understand why they need to negotiate, of course they are not gon na send my money back! THE AMOUNT was {$890.00} THE DATE was XX/XX/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 monetary relief
Consumer complaint received 2015-07-29
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
On XX/XX/XXXX, I went into bankruptcy. On XX/XX/XXXX, I completed the bankruptcy, paying around {$68000.00}. XXXX, had the mortgage but transfer within the month to XXXX XXXX XXXX. About XXXX months before completing the bankruptcy XXXX, transfer the note to Nationstar XXXX. And as soon as I completed the bankruptcy, Nationstar XXXX, stop cashing my monthly check payments.My checks were being sent to the law firm that had represented me. No reason was ever given as to why they had done. Then I started to receive advertisements from law firms that wanted to represent me because my property was being foreclose. When my lawyer had file the bankruptcy he included a provision that the loan was to set to a Fix loan, payment set at {$350.00}, this plan was sign by A JUDGE, Chapter XXXX TRUSTEE, MY Attorney and ME. No members of the BANKS, showed up. Now I am being told that the judge should not have sing this order. At this point I do n't know who is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2023-12-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I am currently facing an issue wherein Chase Bank has placed a hold on my funds for a duration exceeding three months. Their stated reason is the need to verify the funds deposited through a check into my account. However, they are encountering difficulty in verifying the check due to their inability to establish contact with the deposit makers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Subject : Urgent Appeal : Request for PayPal Account Restoration Dear PayPal Support Team, I hope this message finds you well. I am writing to you with an urgent appeal to restore access to my PayPal account. I recently discovered that my account has been restricted due to what I assume is suspicious activity, and I am deeply concerned about the inconvenience this has caused.

I understand the importance of account security, and I appreciate the measures in place to protect users. However, I believe that there might be a misunderstanding or an error in my case. I rely on my PayPal account for various transactions and financial activities, and the current restriction is causing significant disruption to my routine.

I am committed to cooperating fully in any verification process necessary to confirm my identity and ensure the security of my account. Please guide me through the required steps to restore access at the earliest convenience. I value the services PayPal provides, and I am eager to continue using the platform responsibly. 

I kindly request your prompt assistance in resolving this matter and appreciate your understanding of the urgency involved. If there are any specific documents or information required, please let me know, and I will provide them promptly.

Thank you for your attention to this appeal. I look forward to a swift resolution and the restoration of my PayPal account. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There is a collections account on my TransUnion credit report that does not belong to me. It seems that this was removed many years ago and is back. The account is labeled " XXXX XXXX '' for {$200.00}. There is any payment history or other information provided for this fake account.

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 2015-07-24
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX was sold from XXXX XXXX XXXX XXXX XXXX to Nationstar on XXXX XXXX. My XX/XX/XXXX payment was already mailed to XXXX before I received the correspondence fron Nationstar that they had bought the loan and payments should be mailed to them after XXXX. I called XXXX and was advised that a check was sent to Nationstar via XXXX ( XXXX ) on XX/XX/XXXX, check # XXXX and arrived on XX/XX/XXXX at XXXX XXXX. The check has since been cashed and cleared by Nationstar. However, Nationstar erroneously credited the XXXX check to Insurance escrow instead of my mortgage payment. I learned of this on XXXX/XXXX/15, since that time I have made 4-5 lengthy phone calls explaining their error and when was my mortgage payment for XX/XX/XXXX going to be credited. On each occasion they told me it would be credited within 48 hours but was never done. After several of what Nationstar calls courtesy calls, I called today to get this straightened out before I make my XX/XX/XXXX payment. I do not want my XX/XX/XXXX payment being applied to the XX/XX/XXXX payment. Nationstar has had my payment in escrow since XX/XX/XXXX but do not seem to be able to get it applied to my mortgage account. I was told today that they would waive my late fee as a coutesy ... .what late fee, as well by federal law no late fees are applied for 60 days from XXXX/XXXX/2015. They are holding my money! In fact I was told by a XXXX today that the payment was applied and I could see it on line by tomorrow only to be told by her supervisor, XXXX, that her statement was untrue that it had not been resolved yet. Finally, I was told by the escrow dept. ( XXXX ) that the transfer had taken place and will be seen on line in 24-48 hours. I asked XXXX since the error was theirs and talk of late fees could jeopardize my credit rating could she please send me a letter hard copy with an explanation of what transpired with their error with specific dates. She flat out said you will not be receiving a letter. When I explained that the consumer protection rights spelled out on the FDIC web site states specifically that when the bank has admitted the error it shall be corrected in XXXX business day and a letter of explanation and resolution be sent to the customer within 3 business days, she once again stated that NO letter will be forthcoming. This letter is important should I need to defend my credit rating after the fact. I also suggested that since my payment was tied up in escrow since XXXX/XXXX/2015 would I be seeing interest that accrued since that date as mandated by federal law and she stated " NO INTEREST ''. Please intercede. Their address is Nationstar Customer Service XXXX XXXX XXXX XXXX, XXXX, TX. XXXX ... XXXX.

Company response to consumer: Closed with explanation