BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am concerned that I have been overcharged for the interest and fees on my account and have contacted PayPal Credit on numerous occasions requesting paper copies of monthly billing statements dating back to the time I opened the account in XX/XX/XXXX. I have requested these statements both online as well as over the phone in which I have spoken to several Customer Service Representatives and each time I call I am told I can expect to receive the statements in the mail within 10-14 business days yet the only statements I have received date back to XX/XX/XXXX. I want a paper copy of the billing statements for my account from the time I opened the account in XX/XX/XXXX. I know that the payments I have submitted have not been credited to my account appropriately and since it is IMPOSSIBLE to get a straight answer from any " Representative '' when I do call, I have to do my own investigation in which I will be charging for btw. I have attached a summary of the recorded dates I have called PayPal Credit along with the name of the " Representatives '' I have spoken with.

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 2023-01-23
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
On XX/XX/XXXX, I obtained a title loan from Title Max using my XXXX XXXX XXXX as collateral. I am a XXXX XXXX XXXX  and I had to use the funds for temporary housing to flee a very serious situation. I was unable to make the payments due to the fact that I have had to be on UNPAID crime victim leave to relocate for safety reasons from my employer numerous times since the loan originated. On XX/XX/XXXX, I was sent the First Notice of Default and Right to Cure from the lender. The vehicle was ultimately repossessed in XX/XX/XXXX, however I brought the loan current XX/XX/XXXX and regained possession of the vehicle. I would like to interject here that the recovery company held my vehicle for 3 days after the payment was made to the title company. At the time that the loan was brought current, the representative at the title company set up an appointment for XXXX XXXX  the next morning for me to pick up the vehicle from the recovery company. The recovery company called me the next morning and told me that they could not keep the appointment because they did not know where my vehicle was located. In actuality, they would not release it to me because they had not yet processed it on their end although it was paid and I had the legal right to take possession of the vehicle. They told me to leave their establishment after I called law enforcement on XX/XX/XXXX, when I went to their establishment as instructed by their employee, with all documents required for release and they REFUSED to release my vehicle because they were closing in 40 minutes. They still did not release it for several more days as they require an appointment and claimed to be booked. Again, due to my domestic situation I was unable to continue making payments. The vehicle was taken into possession again in XX/XX/XXXX. However I never received the second Notice of Default and Right to Cure required by Missouri law before they took possession. I was not given the right to cure the default and I also have not received ANY type of correspondence from them since they took possession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: NC
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 have a hard inquiry on credit account from XXXX XXXX XXXX XXXX. I never shopped a car from this company or ever looked from financing from this company. 

In accordance with the fair credit reporting act 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 2023-04-20
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had several issues with Mohela which all of them are related to what you see below. My account has not been updated for PSLF. Please review below. They have not responded to any of my 5 complaints or 6 emails .PSLF application was processed on the XX/XX/XXXX Subject : Complaint Attachments Mohela Received Date XXXX XXXX XXXX XXXX Your Question : Hello, My PSLF Manual Application was Processed on XX/XX/XXXX, according to your system. I know there is some waiting time where Mohela has to request my loan from my current servicer, which has taken a while, but I want to make sure I am going to get Waiver applied. I have gone through a lot to get this transferred, and if I am not going to get credit for the waiver, I could have left my loan with my current servicer, so any clarity you can provide would be great. I appreciate your time. I was told back in XXXX that this would take 90 days from the date that the PSLF application was processed. My original PSLF was processed on the XX/XX/XXXX application for the waiver, so my question is, when will my application/waiver be processed, and how long will it take for my count to reflect the payments I made with my original servicer before consolidation? XXXX XXXX MOHELA 's Response : Dear XXXX XXXX XXXX XXXX Thank you for contacting MOHELA. Due to the complexity of your request, please contact us at the number below. Sincerely, Customer Advocacy Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correspondence : XXXX XXXX XXXX, XXXX, MO XXXX Payment : Department of Education MOHELA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX mohela.com XXXX XXXX MOHELA This message , from a debt collector, is an attempt to collect a debt. Any information obtained will be used for that purpose. California residents : The state XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX or after XXXX XXXX They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Convergent Resources, Inc.
State: CA
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:
On XX/XX/2022 my XXXX XXXX alerted me that a derogatory mark was placed on my report. From convergent outsourcingUpon further research - this collection was not verified. A bill without a written signature does not validate debt. Nor make it mine This account was sold and transferred! According to FCRA my rights have been violated and I want this collection removed - Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: CA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.

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 2023-07-19
Company: EQUIFAX, INC.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XX/XX/XXXXXXXX Balance Owed : {$7100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I received a call from Capital one to confirm application they received from the web. I called them back and they said they wanted to confirm information they received on new credit application. I informed the caller this was not me and she cancelled the application and told me to contact the 3 credit bureaus to place a freeze on my credit report and have the inquiry removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This account is being disputed And should be removed immediately. I did not authorize, nor sign any documents, agree to any disclosure this is a illegal matter ( evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors, ( 15 U.S.C. 1692 ) Congress enacted the Fair Debt Collection Practices Act ( FDCPA ) in 1978, codified PLEASE DELETE IMMEDIATELY LEGAL ACTION BY THE CONSUMER WILL TAKE PLACE

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 2020-08-17
Company: JPMORGAN CHASE & CO.
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Due to COVID-19 an airline flight for which I had paid a ticket was cancelled due to the airport shutting down. I was told I needed to purchase a second ticket for an earlier flight ( the last one out of the country before the airport shut down operations ). I was assured by the travel agent, XXXX, that the cost of the first ticket would be applied toward the second. Despite the fact that I was told that there would be no penalty due to the pandemic, I was still charged a cancellation fee and the entire cost of the both tickets. When my Amazon Chase VISA credit card bill arrived, and I discovered that I was charged for the cancelled flight, the penalty fee AND the second airline ticket, I contested the fraudulent charges for the cancelled flight &  penalty fee, but Chase Visa upheld the fraudulent charges from XXXX. I contested Chase Visas response and appealed their decision. Nevertheless Chase Visa sided with the vendor who defrauded me. I spent days documenting my case and writing my appeals. I have never missed a single credit card payment and charge over {$25000.00} a year on this card, yet Amazon Chase Visa refused to protect me from fraudulent charges as their advertising claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I want the bureau to begin an investigation into these accounts, as I am never late, but they are reporting inaccuracies.

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 2022-12-19
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
This complaint is against this online financial institution calls Gemini. I currently have {$58000.00} in their keeping. On XX/XX/XXXX. I initiated a withdrawal for {$2000.00}. Withdrawal is supposed to take 2-3 days. I waited a week, it never came. On XXXX the XXXX. I initiated another with withdrawal for {$1000.00}. Shortly after I received an email telling me that Id have both amounts deposited into my bank account on the XXXX. I gave my landlord a check and paid 8 days late fee ( {$10.00} a day ). The money never came. My account says that its being processed till now. My check bounced and all my other bills are unpaid. I reached out to Gemini ( XXXX  ) via email ( that is the only way they can be reached, conveniently ( for them ). I asked for an explanation. I received a generic email about their withdrawal system being unavailable and the promise that they are working to fix it. Two days later, I sent another email requesting my account be closed and my balance transferred back to my back. I am still waiting. 
So far, Im still able to log into my account and see my balance. But nothing else is happening and no further explanation has been provided. They dont even have to decency to appease people with a live conversation. 

My account is under this email : XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint in regards to New Rez with the CFPB in XXXX of 2020 Complaint # XXXX I received a response from the company in regards to the complaint where it stated they would spread the escrow shortage/mandatory XXXX. escrow cushion out 60 months instead of the usual 12 months. They said this would be done once our automatic enrollment in the companies forbearance covid plan was over. This automatic enrollment ended on XX/XX/2020, I expected ( as they said they would do automatically ) to receive a new mortgage statement reflecting the changes they said they would made in order to pay XX/XX/2020 mortgage payment. However, I have yet to receive any new statements and when I call the escalations department on their letter they wrote in response to the CFPB complaint, it asks me to leave a voicemail. I have been leaving voicemails everyday since XX/XX/2020, with no response. When I call the regular phone number for loan servicing, the reps state they can't help me only escalations and that I just have to keep leaving messages. 

Could you please help me get a hold of the correct people to work with in regards to this matter? I just need for them to do their job and respond and fix my mortgage so that I can afford it, the way they said they would in regards to my initial complaint. 

I have even called and asked for XXXX XXXX, the lady from their company that responded to the initial complaint, and the representatives responses are all the same ; they can not contact her. I just need for them to fix my mortgage so I can pay.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-17
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: ND
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:
On XXXX, I sent Equifax a letter notifying them about 2 unauthorized addresses, 1 unauthorized employer and 5 unauthorized inquiries which do not belong to me. I attached a recent report outlining the unauthorized items. On XXXX, my letter was delivered to Equifax according to the XXXX XXXX XXXX XXXX. On XXXX, Equifax sent me report # XXXX with dispute results which clearly shows Equifax is continuing to report 5 unauthorized inquiries which is against federal law. They have failed to delete the 5 unauthorized inquiries. I have attached a copy of the letter Equifax received dated XXXX, a copy of the XXXX certified mail receipt dated XXXX, a photo of USPS tracking delivered dated XXXX and the updated Equifax credit report # XXXX dated XXXX.

Company response to consumer: Closed with explanation