BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: IL
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:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and XXXX XXXX, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank, acct XXXX XXXX  XXXX, acct- XXXX XXXX XXXX, acct XXXX XXXX, acct- 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: NC
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 2nd 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 an alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: ID Analytics, 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:
I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the pandemic in 2020 our mortgage servicer, Mr. Cooper, offered us forbearance which we gladly accepted since we lost our XXXX  and I lost my job, leaving us both out of work. 
We have since gotten another XXXX going and I am now working. Our mortgage servicer is now saying we have to pay the entire balance of unpaid payments in one lump sum payment ( {$18000.00} ) or we are going to lose our house to short sale or deed in lieu. They told us they can't do a loan modification to spread out our payments.

I overnighted them a financial hardship letter explaining our situation, sent them a letter explaining our situation, spoke to several different reps explaining our situation and their response is attached to this complaint. 
I was under the impression, based on the information on your website, that mortgage servicers are not allowed to do this. Please help. We are now in a position to pay our mortgage no problem but simply do not have the almost twenty thousand dollars they said would be able to be spread out to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: R & B Corporation of Virginia
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
New Complaint from Complaint and Response Below I was never informed of a service balance due from XXXX. The request was for returning equipment. What verification is there for this service balance? 
This whole time I have not received any bills from XXXX. This is outrageous. I would like proof of this service balance. When requested to close the account all they said was to return the equipment and the balance would clear. 

My Complaint Date XX/XX/XXXX COMPLAINT ID XXXX Vendor informed us account would be cleared after returning the equipment which was completed on XX/XX/XXXX. Account still shows open and when we contact the vendor they don't find our account since it was closed. They lost our paper work and do not resolve the issue. This is impacting my credit and my ability to get a mortgage for my home and nobody is helping. 

Company 's Response Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account balance is now {$0.00} because the XXXX  belonging to XXXX  was returned to them however, there is a " service '' balance due of 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 2018-06-29
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans waited a week before closing to tell me my loan had been denied. This was after written approval from Quicken and over {$6000.00} in earnest money, appraisal, Survey and inspection fees. My loan officer XXXX XXXX assured me through out the entire process everything was ok with my loan. Because of Quicken Loans material misrepresentation of my approval I incurred fees to close the loan based on Quicken 's approval process. Worst experience ever!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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:
This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted immediately. 
XXXX XXXX Balance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF EDXXXX XXXX Balance : {$3600.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX : {$3500.00} DP OF EDUC XXXX Balance : {$2100.00} DP OF EDUC XXXXBalance : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: AFNI 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: Account status incorrect

Complaint:
Inaccurate details being reported about loan on my credit report. My student loans were discharged because I am XXXX XXXX because of XXXX and I live in a XXXX XXXX. I hope to one day be XXXX, but until then I feel as though I am be criminalize over something that I have no control over. Sickness disease  and death is something we have no control over. I am very thankful for the rule of law that gives people like myself a Fighting Chance and Hope. Character and the peace of mind is what I 'm fighting for now, XXXX University is reporting that I have had late payments which is not true because I have never made any payments I 've been in the XXXX XXXX. Due to the government bailout I have been advised that all of my student loan accounts will show in good standing, no derogatory remarks or any such things that would be another battle to fight in addition to XXXX XXXX. I am fighting for my life and a credible name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I was not notified properly that my forbearance was expiring in XXXX. I was traveling for work in NY and had all my mail forward but it is unreliable. I have specifically requested email and/or phone calls for best way to reach me. I normally receive an email that states that my payment is due, last one I received in XX/XX/XXXX. I never received anything stated my payments were do in XXXX. I did not get notifications until XXXX/XXXX. I contacted XXXX in XXXX to put my accounts back on forbearance and specifically asked the representative if my account was not in arrears. He told me that my account was in good standing and that my accounts were not in over 30, 60, or 90 days old. I was never aware that my account was sent to credit agencies for reporting late payments. XXXX has done this to me over 3 years and they refused to remove it and cost me damages. I have worked very hard to keep my accounts current since then and have never had any over 90 days late. The one time they did not properly notify me they reported my accounts in XX/XX/XXXX. I contacted them today XX/XX/XXXX and they never take accountability and reminded them of the multiple lawsuits against them. I wanted to make sure that XXXX Manager in PA review my phone call back in XX/XX/XXXX when I was improperly informed about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have contacted XXXX in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XXXX and we are now into XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA 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 2022-09-08
Company: Paypal Holdings, Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank with venmo where I get my direct deposits for my work and have a debit card with a checking account linked. On XX/XX/2022 I logged in and I received a notification stating that my account was suspended due to violations of their user agreement which I know I have not done. I hadn't even used the account in over a week at this point and all I use it for is to receive my paychecks and buy things from XXXX XXXX and other reputable companies. I really don't ever send money to people so I know it can't be that and I know it can't be anything that I've done as they told me so themselves. I turned in my ID like they requested but they still have not released my funds and are saying that it could be over a month before they even get back to me. They have over {$1000.00} that they are withholding and not letting me transfer even though it arrived after my account was suspended when they probably should have not accepted that direct deposit if my account was frozen in the first place. I'm needing help solving this issue. The only thing that I had did that day was try to order XXXX and it did not go through and next thing I know my account was suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2017 I paid off my mortgage with XXXX XXXX XXXX XXXX. In the previous month, a car lease to XXXX XXXX was satisfied and closed. The lenders reported these account paid off and closed. My credit score has been decimated as a result. My score has been consistently in the 780-805 range for over 2 years. It is now XXXX because I retired debt. I have been diligent not to over utilize my credit, paid all my bills on time and have long standing accounts, one 32 years old. I have spoken to XXXX reps twice and XXXX 3 times. None of these people can offer any explanation other than I paid off debt. There are no human eyes on this calculation, only algorithms. How can these practices be acceptable or legal. I am retired and have worked all my life to maintain good credit and because I retired debt now I am being penalized. It is totally counterintuitive Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Early Warning Services, LLC
State: GA
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:
EARLY WARNING SYSTEMS claims the FCRA does not protect consumers with sharing of opting out of sharing of non-public personal information with entities EARLY WARNING SYSTEMS needs to provide me with the written permission that I gave XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, And XXXX XXXX for them to be an approved entity EARLY WARNING SYSTEMS has reported accounts that are a result of identity theft without written consent from me which is aggravated identity theft on their part. 15 usc 6802 clearly states consumers must be given the opportunity to opt out of reporting non public information to non affiliated third parties. I have no affiliation with XXXX, XXXX, or XXXX  therefore this sharing of my information is unlawful. If EARLY WARNING SYSTEMS can not provide me with documentary evidence that the companies they shared my information with have my written consent they are in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: TX
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:
There are a lot of inquiries that suddenly appeared on my credit report. These are from unknown locations and when I tried reaching out to the bureaus I did not receive any response or results from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My husband and I have been banking with First National Bank Located in XXXX, Maryland XXXX, for the past three years. Two months ago when logging onto my online portal I was asked to Opt-in to the overdraft program. This is something that was routine with my account from the beginning so I thought it necessary to continue participation. Since joining this " Overdraft protection opt-in '' My husband and I noticed our transactions were not showing, pending and posted in the order in which the bank receives said transactions. After careful review of our Bank statements and {$550.00} in overdraft fees in the last 7 days we made a call to our branch manager " XXXX ''. I, personally called the bank last week at the onset of the first round of charges. {$110.00} on the XXXX of XXXX and {$74.00} on the XXXX of XXXX. These fees were assessed for debits totaling under {$5.00}. at the time a Bank representative " XXXX '' took my call and explained to me that debits where product is received such as food or gas post immediately. She said unfortunately she can not refund any of the fees because the bank needs to stay below 5 % in returns of fees or the " government '' will shut them down. This brings us to today ... Over the weekend my husband and I used our debit card for several very small purchases. Monday morning the account showed a balance of {$11.00} and ZERO overdraft fees. Several of our transactions were in a " pending '' or " posting '' status. By tuesday morning however all the transactions " pending '' had been moved around and a arch debit transaction of {$200.00} was posted FIRST even though the date on the transaction is three days later! On XXXX XXXX, 2017 the bank assessed fees in the amount of {$370.00}!!!!!!!!!!!!!!!!!! This was possible because the transactions were rearranged causing the largest transaction to hit first and in turn make the bank the largest amount of money. Had our account posted in the order in which it came in or appeared in the Portal our total overdraft fee would be {$37.00}. My husband called the bank and spoke to XXXX the Manager who condescendingly told him we need to learn to balance our check book. She also informed him that she deposited {$110.00} into our account on the XX/XX/XXXX to cover the fees when in fact, she WITHDREW the {$110.00} from our account on that date. My husband and I are beside ourselves.. Several items were rearranged including transactions from the same store! Date and time stamps do not lie! Please tell me there is something you can do, or we can do!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: Netspend Corporation
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My Netspend prepaid mastercard account was locked, Netspend asked I provide them photos with my identification cards, then NetSpend refused my federally recognized tribal photo identification card and my Bureau of Indian Affairs photo identification card with social security number ( which Social Security Administration ACCEPTS as government issued social security number identification card ) NetSpend has committed racial discrimination against me ( an Alaska XXXX woman  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by refusing my federally recognized government issued identification cards ; locking me from my account/funds without giving me a reason why and refusing access to my own funds- funds that were provided to me with assistance from my XXXX council/government XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; I utilized my account with NetSpend to purchase equipment/materials for my sole proprietorship

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