BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
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: Information belongs to someone else

Complaint:
There seems to be an error on my consumer report furnished by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX my consumer report, there is late payments reported and Fraudulent accounts which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

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 2022-08-23
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I never received any communication from this company. I didn't receive anything via mail or phone call. I found out about this collection account until it was already reported to my credit report. I tried to contact the collection company to address this and they were not helpful. How could they have reported this to my credit report without allowing me the opportunity to pay it before it went into my permanent report?

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 2022-08-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There seems to be an error on my consumer report furnished by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX my consumer report, there is late payments reported and Fraudulent accounts which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: LDF Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022 I wrote Evergreen Services to request that they stop communications and collection efforts unless to inform me that a specific action is to take place. Instead, they have email after email, called repeatedly, and each message sounds exactly the same : " We have an important business matter to discuss ... '' Now, even after I sent a XXXX XXXX XXXX to Contact Third Parties they are calling my mother and harassing her. My mother was first contacted by Evergreen Services at XXXXXXXX XXXX  XXXX on XX/XX/2022. Specifically, when she answered the phone, they asked her to let me know that they called her and they have a business-related that they have to discuss with me. Evergreen Services called from 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 2022-08-02
Company: Paypal Holdings, Inc
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I made a {$20.00} donation using a credit card and PayPal gave no notice that this would be charged as anything other than a regular credit card transaction. Instead, they processed it as a cash advance, resulting in a {$10.00} charge from my bank, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022. I purchased a new vehicle through XXXX XXXX XXXX XXXX. As part of this sales transaction, I took out a new auto loan with Truist Bank. The loan application, qualification, and sales transaction was all handled together by XXXX XXXX XXXX XXXX. It was verified at at the time of the sales transaction and has been verified since then that information and documents were completed correctly. Once the loan account was set up and I was able to log into online banking to pay more loan, it came to my attention that Truist bank had erroneously set up two separate loan accounts for the same car. There should only be one loan account. Both loan accounts are for the exact same amount and for the single vehicle. The bank has confirmed that this is the case. However- they have been very difficult to work with to resolve this issue and cancel the duplicate loan account and thus far has forced me to pay for both accounts, when I should only have one loan. The dealership has gotten involved and is trying to assist as well - but the bank is uncooperative. The XXXX Notice contact information on the sales contract for the bank, when dialed - nobody answers. It just keeps ringing and then hangs up. I've called their loan services number XXXX times in the last XXXX days - and nobody has been able to help me. The average call has been XXXX to an hour and then they hang up on me while I am on hold. They are unable to get me to the right person to address this issue ( or unwilling ). 

I'd like to file a complaint and also ask for assistance in helping to resolve this issue.

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 2022-08-23
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was not offered the XXXX XXXX COVID-19 Payment relief option a the end of my COVID-19 Forbearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
A Federal Agency is required by law to provide minimum due process not limited to proving the debt is valid and providing for a hearing decision with an appeal process thereafter before reporting derogatory information within a credit file. The Agency has not provided minimum due process. Because a properly and timely requested hearing was never provided for, among several shortcuts and oversights, many rights where not observed and minimum due process was repeatedly violated. The credit reporting Agency was notified of these discrepancies and failed to remove the erroneous premature derogatory reporting from the credit file within investigation XXXX. I notified the credit reporting companies that the Agency must verify the account is mine to include verifying the accuracy of the account and provide a hearing were an additional appeal is available all prior to reporting the account as delinquent. The credit reporting company states the federal agency certified the account was mine with no evidence provided for such determination and the credit reporting company took no position on the derogatory 30 60 and 90 days late reportings despite substantial evidence showing the account has been paid even while pending the active dispute. In addition, the accused also timely requested consideration for a waiver should the hearing decision favor the Agency. The hearing and the waiver requests are both pended thus collection efforts by the Federal Agency to include reporting derogatory reporting are all required to stop until decided and the appeal window has expired as a matter of law.

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 2022-08-23
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have a Robinhood account since XXXX  I added funds to my account several times with different bank accounts to use for trading and never got an opportunity to withdrew my funds from Robinhood. For the past three months I have been trying to close my account and withdraw the balance of XXXX from my account. Robinhood placed a restriction on my account and will not allow me to closed or withdraw my funds. Robinhood asked for verification of myself which consist of my social security card, my id and bank statement along with a selfie of myself. I sent all these personal documents to Robinhood. But the company still refuses to closed my account and release my funds. The brokerage claimed that the name on my bank statement does not match my account, the account that the transfer was made from is the same account they need to resend the funds. I explained to their representative whose name is XXXX that the bank accounts that they are asking for are no longer active with the exception of my XXXXl XXXX XXXX account. She asked for a bank statement for the last 60 days. I gave them a pdf copy. Stil, Robinhood continue to hold my account hostage. I explained that I do not have any access tomy closed accounts that was removed from Robinhood. 
Even after all this, I am still not able to get the account closed or to cash out my remaining funds. Since I did stocks with Robinhood. I have yet to cash out any funds made from stocks. XXXX profited from my deposit more than I ever gain. 

Please help me to get this brokerage to close my account. I am frustrated and are very Ill. I explained to the representative that I am not well and are currently trying to a void the stress this company is causing me. It shouldnt matter what bank account I used to transfer the funds, as long as the cash are validated and approved from my bank account. 

Thank tou

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was awarded forward payments from HAF ( Homeowners assistance fund ) handled by XXXX on XX/XX/XXXX. I received my award letter and emailed it to Caliber. I was told payment was already sent over via check and allow XXXX business days for them to receive. Every time I call Caliber they have no knowledge of HAF and state no payments received and if payment should come through they are behind XXXX days in processing any assistance payments. They are unaware of my email sent with award letter attached and nothing on my file pertaining to HAF award. I feel Im at a loss with no communication.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I placed XXXX orders with XXXX XXXX online - I ended up cancelling both orders due to issues with XXXX. 
Order # XXXX - Release Transaction # XXXX - XX/XX/XXXX - XXXX Order # XXXX - Release Transaction # XXXX - XX/XX/XXXX - XXXX Bank of America will not release these funds back into my account. I have been calling them since XX/XX/XXXX trying to get the money back in my account. I recently lost my job and this is the only money I have. They are refusing to release my money until XX/XX/XXXX just for XXXX! Please contact them and fine them for consumer aggravation!

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 2023-01-26
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
I have kept up with my XXXX card payments and due dates. Which causes me to get my credit line increase up to XXXX on XX/XX/XXXX I received an email states Ill be receiving my XXXX security deposit back in check. I waited out for weeks and never received anything I then contacted my credit card explained the situation. On XX/XX/XXXX XXXX I states the situation with someone by live chat they claim to sent in another one. it is almost the end of XXXX and I have still have yet to receive anything the email states it should be sent in 5-7 business days and its been 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
WELLS FARGO BANK credit card i pay on XX/XX/2021 confirmation # XXXX the amount of {$960.00} and they still not erased this from my credit report still say potential negative on my credit report

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 2022-10-22
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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$8800.00} XXXXXXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$5100.00}

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 2023-02-21
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX is reporting a late payment on my account for XX/XX/2021. Under the cares act, there should be no late payments reported at all because I was affected by covid. 


Please see letter attached!

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 2022-10-22
Company: Experian Information Solutions Inc.
State: GA
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2022-10-22
Company: EQUIFAX, INC.
State: TN
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 Account, XXXX XXXX XXXX Account # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: MS
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:
EQUIFAX is breakfast the law according to the FCRA! They have changed my account history with my XXXX accounts and are now reporting missed payments after reporting 100 % on time payment history! This is a direct violation of 15 usc 1681e ( b ), 15 usc 1681b ( 2 ) and they are punishable pursuant 15 usc XXXX by 1,000 dollars per violation. I am submitting screenshots of how my reporting was correct and how they are now in violation of the FCRA by reporting inaccurate information! By law once a credit reporting agency deletes inaccurate information the information can not be placed back onto the consumers report!

Company response to consumer: Closed with explanation