BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : - 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 also states consumer reporting agency can not furnish an account with my written concern.

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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2020-01-15
Company: Experian Information Solutions Inc.
State: MD
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:
Experian credit reporting bureau will not remove inaccurate information. Specifically, XXXX XXXX/XXXX. XXXX is reporting 30 days late in XX/XX/XXXX andXX/XX/XXXX, despite the fact that this information should have been removed in XX/XX/XXXX. See the attached documents. I spent two hours  talking to both XXXX and Experian on XX/XX/XXXX, and filed an online complaint on the Experian website, without success. As of XXXX, XXXX, XXXX, Experian has not updated its reporting on XXXX/XXXX  XXXX. I have been trying to resolve this inaccurate information since XX/XX/XXXX. 

Also, XXXX  has not updated its reporting on XXXX/XXXX.  XXXX, as of 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 2015-11-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Transfer money through Moneygram on XXXX/XXXX/15. The money did not get to the recipient. I filed a complain to Moneygram anti-fraud unit, I was told to give them 21days for investigation and resolution.I called them today XXXX/XXXX/15 and I was told no resolution had reach yet. This is causing me XXXX and general stress. I therefore needs your help to get the money to the recipient as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SEE ATTACH DOCUMENTS 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 explanation
Consumer complaint received 2022-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is a follow-up to complaint XXXX which has since been closed. The bank reached out to me and did not close the account as requested. I've made countless attempts, wasting over four hours of my time, in trying to close this bank account. Following receipt of my complaint listed above, a bank representative reached out to me only to tell me that she could not close my account and that I would need to reach out to another department to do so. She contacted the department while I held on the line. After over 45 minutes on hold, I had to jump off the call to attend a work meeting. The representative provided me with a number to call the department at a later time. Days later when I had a small gap of free time, I attempted to reach the number. The representative told me that it shouldn't take long to do, as her last call took 3 minutes to close their account. A function that could not be performed since my account was now in the negative after more fees had accumulated for not maintaining a balance. After explaining my ordeal, this representative directed me to yet another department that had to override the negative balance. I along with the representative waited on hold for close to an hour, when suddenly my call with this representative was disconnected. I am at my wit 's end here and need this account closed and do not intend to spend another second of my time in doing so. If this requires that I take to social media to resolve, then so be it. Nobody should be made to endure this level of inconvenience to perform a simple function.

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 2022-02-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Newrez LLC dba Shellpoint Mortgage Servicing " services '' a portfolio loan of nine properties I am the managing member of. To date, there are unpaid property tax bills as well as property tax bills that were paid late. In addition, the interest fees incurred, due to their failure to pay the bills on time, were charged to my portfolio loan escrow account.

It is incredibly time consuming to have to double check all tax and insurance payments Shellpoint is responsible for making on my behalf. I had this exact thing happen last year with them. They are clearly not equipped to handle loan servicing for portfolio loans. 

I have attached a copy of the unpaid tax bills and the bills that were paid late. 

I did email them on XX/XX/2022 regarding this matter but I have received no evidence the unpaid taxes have been paid nor a credit being made to my escrow account.

The impetus should not be on me to make sure Newrez/Shellpoint does the job they are being paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I HAVE DISPUTED WITH EQUIFAX ABOUT INQUIRES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE THEY STATED THAT THEY HAVE INVESTIGATED MY INQUIRES BUT I KNOW THEY HAVE NOT THEY WILL NOT SEND VALIDATION FOR THE INQUIRES I KNOW THAT THE INQUIRES DO NOT HAVE NUMBERS THAT ARE WORKING THE INQUIRES ARE AS FO LLOWS 1-  XXXX   XXXX ,   XXXX   XXXX   XXXX  -  XXXX     XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: NY
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:
Credit acceptance has placed an inaccurate late payment on my credit profile for my auto loan for the month of XX/XX/XXXX. My payment due dates are the XXXX of every month and my payment was made in full on XX/XX/XXXX. I called and spoke with a rep over the phone and she confirmed that the payment was made on time and was not sure why a late payment was on my account and she instructed me to write the " Credit reporting department '' who handles these issues. On XX/XX/XXXX, I wrote them a letter and they responded weeks later that the account is " accurate '' and they are not going to update my account. I have proof that my auto load for that month was in fact paid on time from my receipt of payment made on XX/XX/XXXX. This inaccurate reporting is affecting my credit profile and score and I need credit acceptance to rectify this info and update it correctly immediately upon receipt of this notice.

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 2017-08-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi. You closed out complaint # XXXX because the company said they resolved it with me. 
That is a lie. And your procedure apparently did n't give me a chance to respond. 
Here 's the story- they overcharged me on a safe deposit box. You forwarded my complaint to them. They claim they issued a credit. 
No. They Did Not. 

When the box was up for renewal I opted to not renew because of the overcharge ( they overcharged last year too and it took months of fighting with them to get a refund ). 

I closed the box and filed my complaint. 

Their response was that they waived the fee for the next year. There was no fee for the next year because I closed the box. 

I have contacted them by phone and they said they 'd look into it and get back to me. 
They have not gotten back to me despite my leaving numerous messages. 

They said they gave me over {$200.00} and that is simply not at all true.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a third party write me a check that bounced. Because of immediate availability of funds, I used some of the money. Bank of America then closed my account and reported me to XXXX XXXX XXXX after banking with them for XXXX years. I have never once received any communication about the account, and bankers there can not even tell me what I owe or where to send money to pay off the account. Now XXXX XXXX is closing my relationship there as well because of this report. I have perfect credit and have worked in the XXXX. I am in shock that an institution can have so little communication with a long term client, let alone XXXX mega-institutions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from Experian and XXXX  but it still remains on XXXX   credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from XXXX, XXXX, & Experian. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.

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 2020-01-16
Company: Paypal Holdings, Inc
State: NC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I got a insurance claim from XXXX  I put it on a Venmo they say its was put on there but a fruadulent account XXXX they let someone spend over XXXX then said XXXX be I can do anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I moved from California to New York in XXXX of XXXX. I took my XXXX XXXX Model Y financed by US Bank with me and am required to transfer the registration to New York. I have been working with US bank to get the required documents to register the Vehicle in New York since XXXX of XXXX and US Bank has repeatedly delivered the wrong documents, misled me about what is needed and how to get it, and just completely failed to resolve this issue and allow me to register the car for over 6 months at this point. This has put increased liability on me due to failure to adhere to the registration deadlines set by New York, opening me up for fines and tickets and having to carry multiple insurance polices due to this car only being registered in California putting me at risk for increased liability damages due to inconsistent coverage between the policies in the event something happens. This is besides the fact that carrying XXXX separate policies is ( XXXX in a high risk area of California ) is very expensive. On XX/XX/XXXX my California registration will expire and the vehicle will no longer be driveable due to XXXX Banks continued negligence in correcting this issue. At that point my options will be to park the car or pay irrecoverable fees to register the car in a state in which I don't live ( which I'm not sure but that almost sounds like fraud to me since I'd be saying the car will be primarily driven in California which it will not ). I have attached a timeline of interactions with US Bank, written requests for the documents sent to US Bank, and US Bank 's incorrect registration documents that have been sent to me twice rather than providing the correct documentation. 

Unfortunately this is the second time this complaint is being submitted. The first time it was submitted by my husband on behalf of me but rather than actually do something about it US Bank decided to ignore the complaint and close it because " they are not authorized to communicate with my husband ''. In the complaint it is clear my husband is listed as an additional contact and not the primary complainant so they could have just have easily reached out to me to resolve this but chose not to. Additionally I have repeatedly requested my husband be authorized access to this account on my behalf so that he may deal with any issues associated with it simply because I don't want to. This complaint is being submitted again without my husband 's information on it so that they might actually bother to look at it rather than sweeping it under the rug.

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 2016-09-21
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
To start out I have both private and federal student loans for going to XXXX in Arizona. When I first signed up they told me my credits were transferable, they would get me a job after I graduate and help as much as possible with financial aid which at the time sounded like a good thing. Half way through my XXXX program I went to my advisor and asked about going to XXXX they told me my credits actually did not transfer to Universities like they originally promised me. I was very frustrated so I decided to stop at my XXXX degree since I was only a semester away from it. Just for my XXXX degree I am XXXX in debt and that does n't include the money I paid out of pocket since I did n't qualify for some grants supposedly. Now I am going back to school and paying out of pocket since I am scared more student loans will harm me due to debt to income ratio. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Need to remove these accounts i've been sending letters in for the past 6 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 non-monetary relief
Consumer complaint received 2020-09-26
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The interest has quadrupled my payment and put me soo far behind I am unable to repay. The debt was not explained thoroughly and the practice is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Hello, my name is XXXX XXXX, I 'm writing this complaint against XXXX and Navient and XXXX. the schooled that I attended closed down during attendance. I did not benefit form the school and what I mean by that is there was no degree or certifications. there were no transferable hours to take to another school those option were not available. so now here I 'am fighting this and have been for Years. I have been bullied into paying what I have already payed. and now they want me to pay some more. the loan was for XXXX and something. the promissory note says the school only accepted XXXX. I 've been threaten with garnishment twice and paid something to stop it and over the years my income tax was used to off-set this debt. I recently applied for a school loan discharge and Navient has told me I did n't qualify because the 120 days rule that 's on the student website. but there is other clauses in there that qualifies me. and they want me to pay double. they have the loan in my married name which is XXXX which I did not change. and promissory note is in XXXX. which I feel is fraudulent and they have it on my credit report. and XXXX do n't know of them until the other day when I checked my credit report and there they were reporting this loan as if I opened it this year my credit score has drop because of all this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, 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:
Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. In addition, this account is over ( 7 ) years old and should not be reporting at all. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
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 tried to get late car payments off the credit report. From Toyota and XXXX 's Finacial was told they can't take them off.

Company response to consumer: Closed with explanation