BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by someone stating that I owed money for missing a court date to the XXXX Police Department on Sunday, XX/XX/XXXX. I sent the money through PayPal to a XXXX XXXX for {$720.00} plus a {$21.00} PayPal service fee for an amount totaling {$740.00}. I was told to meet with someone at the XXXX Police Department later that afternoon. When I got to the police department, I was told by someone who worked there that the person I spoke to on the phone was using the name of someone who used to work at the department and that it was a scam. I filed a report with the XXXX Police Department and was told to also file a report with the police department where I lived, the XXXX XXXX Police Department. I filed a report with the XXXX XXXX Police Department on XXXX, XX/XX/XXXX -- the following report is attached. The case number with the XXXX Bank is # XXXX. 

I received a credit from my bank for the amount taken ( {$740.00} ) shortly after the incident and those involved at the bank said they were going to look into the case. The case was denied on XXXX XXXXXX/XX/2023 and the funds were taken back. The case was then reopened on Friday, XXXX XXXX because XXXX Bank and PayPal did not have the actual police report from the XXXX XXXX Police Department beforehand. Following this, I was told from representatives at XXXX Bank that I needed to get something in writing from PayPal stating that they would approve a credit for the funds, which they never provided. I was told when I called PayPal that since the bank was handling the case now, there was nothing further they could do. A representative at XXXX Bank stated on XXXX XXXX XXXX that if a document of any kind ( email, written document, etc. ) is provided at some point from PayPal stating they approve a credit for the amount taken, they could approve giving back the funds. I am not sure why Paypal can not provide this information and if this is not resolved, further legal action is going to be taken. 

I will note that there is a supplement to the original police report from the XXXX XXXX Police Department since the first report did not have the correct amount taken. The supplemental report was taken down on XXXX, XXXX XXXX -- the following document is also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Online Information Services ( collection agency ) and the original creditors, XXXX XXXX XXXX  ( XXXX XXXX XXXX ) is reporting inaccurate credit information. I have sent out several letters requesting an itemized summary of an Eviction Charge of {$1000.00} that is listed on the Household Moveout Accounting Activity Report. This document was first mailed to me XX/XX/XXXX after I moved from the apartment on XX/XX/XXXX. Another Household Moveout Report was mailed to me XX/XX/XXXX after disputing the eviction charge, late fee charge, carpet stain removal charge, and the owed rent amount. As a result the rent amount was reduced and the tile/floor stripped/waxed fee was removed. I am requesting an explanation as to how the company came up with an eviction charge of {$1000.00}. I was included in a lawsuit that was filed against XXXX XXXX XXXX XXXX XXXX XXXX ) and several other landlords across North Carolina. They were accused of charging tenants illegal eviction-related fees simply for filing an eviction complaint. As a result on XX/XX/XXXX I was awarded a settlement payment as an approved claimant in the court- approved class action settlement Wright v. Palmer Green/Duggins , LLC , in the General Court of Justice , Superior Court Division XXXX XXXX XXXX, North Carolina, Case No. 20-CVS-487. I believe the eviction charge is incorrect and may be even illegal charges filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: PA
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 went to get a car and the car dealership said it would only be their one lender and I recieved notification that multiple inquires were added to my consumer report without my authorization. 

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

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 2022-12-06
Company: Experian Information Solutions Inc.
State: AZ
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : 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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX, DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX, DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX, DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXXDEPT OF ED / XXXX XXXXDEPT OF ED / DEPT OF ED / XXXXDEPT OF ED / DEPT OF ED / 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, US DEPT . OF EDUCATION/XXXX XXXX, XXXX XXXX XXXX XXXX 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 withount 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. 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 ) (! ) A person shall not furnish any information relating to consumer reporting agency if 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 2023-09-20
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loans are in the process of being discharged. I have approval with Sweet vs. Cardona and {$40000.00} has already been discharged. I have another {$20000.00} remaining. AS soon as the $ XXXX was removed they kicked me back into repayment and wont fix it. Per the terms of the agreement I am to be on administrative forbearance. I am getting the run around from Mohela and Dept of Education. I am now paying interest and have a payment due on loans that are being discharged. This need to be fixed. I clearly states that my loans are to remain in Forbearance until discharge. I provided Mohela copies of these documents in 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 2022-09-26
Company: TransferWise Ltd
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TransferWise blocked the XXXX CONSULTING AND SERIVICES account after a received transfer of about XXXX XXXX without any reason or explanation. There is NO ACCESS to the account nor the balances and they did not responded back yet. The money received is for a PREPAID service we need to deliver in part to some vendors and the operation has been unable to be paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Company continues to provide inaccurate information without providing validation of information. Company does not have my written consent to provide said inaccurate information to creditors. Please immediately provide complete credit report in compliance with 15 U.S.C.1681c-2,15U.S.C 1681 ( b ) ( 2 ), 15 U.S.C.1618 ( a ) ( 1 ), 15 U.S.C.1601, FCRA 604 ( C ), AND ALL APPLICABLE CREDIT LAWS.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently sent you a request to reinvestigate the information previously disputed as I noticed many inaccurate items remain.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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 2023-11-13
Company: EQUIFAX, INC.
State: MD
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
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:
It is essential that you swiftly erase this inaccurate account from my records.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion, has 2 fruadulant accounts they refuse to provide documents on how its being verified. I submitted a police report, a identity theft report stating these 2 accounts are not mine. they continue to state its been verified with no proof of verfication to me on how its verified.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I did not initiate these Accounts 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 2023-12-02
Company: Consumer Portfolio Services, Inc.
State: MI
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:
On XX/XX/2022 a hard inquiry was listed from XXXX XXXX Ive made several attempts to call the company for proof of reporting information however I was put on hold and this situation was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: BSI Financial Holdings, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX I sent an email explaining that I was frustrated because I had tried ( XXXX ) checking accounts, ( XXXX ) savings account and a bill pay through the local grocery store and every time my money would be removed from my bank account for about 3-5 days before being returned. 
At that point the last payment they processed was for XXXX and I needed to pay both XXXX and XXXX and at that exact moment I had all of XXXX and half of XXXX to give them due to an unexpected car expense. 
I got an automated response to my inbox on their website telling me the name and extension of the person assigned to my account to call. I called, got a regular representative who told me she couldnt help me/take my payment and transferred me to the voicemail of my assigned person. 
I never received a call back. 

I forwarded my original email with an update on no follow up on their part again on XX/XX/19, after making multiple calls to their number and never being able to reach my assigned person. 

They once again sent me a message on their website with a new person to contact. I called again, and the regular CS agent let me know they couldnt help me and again forwarded me to the right persons VM. 

I waited a couple of days and still nothing. 

My last time calling, I was on hold for over an hour before reaching a person who told me that no one in that department works that late but she would try to find someone for me to talk to. I was on hold for about 10 mins before she returned, told me she found someone to transfer me to, where I then sat for approximately 20 mins while the line went between ringing and hold music, before sending me to a VM. 

As of today : No one from BSI has reached out of me aside from the automatic messages sent through their website, I have not been able to pay my XXXX, XXXX, XXXX or XXXX mortgage payments and am starting to get harassing texts and calls about people wanting to buy my house before it goes into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Newrez/Shellpoint purchased my mortgage XX/XX/23 from XXXX XXXX. Since they took over we have made all required payments plus some extra principal. They claim we have not made payments even though we have provided bank statements showing withdrawals with control numbers going to them. They claim we have made only XXXX of the XXXX payments. Since taking over they have made XXXX entries to our payment history in 4 months. In a matter of 7 days in XXXX with XXXX of those entries being made in that span, we somehow went from XXXX payment behind to XXXX payments behind according to them. We have spoken to at least XXXX different people from company with over XXXX pages of notes without resolve. They are showing a higher principal balance than when they took over loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation