BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I signed up for LIFETIME  access to XXXX XXXX program call XXXX XXXX where I have access to multiple videos on how to make different crafts. Instead of making a one time payment of {$390.00} I paid through XXXX and made XXXX payments.1. {$240.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX. On XX/XX/XXXX i when onto my dashboard where the videos were displayed and about 50 videos were removed. I reached out to this company because I was very upset and I complained to them that I only signed up for this company because they promised LIFETIME ACCESS to the videos I was told they were taking the videos down and added new ones. My concern was how do you promise people that have already spent their money on the program LIFETIME ACCESS but youre taking the videos down that we need without having the new videos up. I requested a refund from the company because of FALSE ADVERTISING and misleading information. I reached out to my credit card company thinking they could help me and it was ruled against although I provided information stating the company stated LIFETIME ACCESS to information I had NO ACCESS to. I do not feel this was a fair judgement and I do not think its okay for a company to promise you something until they get your money and then they dont hold up on their end but then they also dont give refunds. How are the customers protected against deceptive practices? I do not think Discover did a proper investigation because its clear that this was false advertising you can say I have LIFETIME ACCESS but the videos that are being removed I clearly dont have access to them or I have to wait for them to redo videos, thats not what I paid forthe right way would have been to leave the videos up and replace them as you go not remove all of them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TD Bank failed to issue the {$300.00} bonus within 140 days after my XXXX Checking account was opened on XX/XX/2021, and the required direct deposit of {$2500.00} was made way before the required 60 days on XX/XX/2021. The Bank is now in breach of the contract as advertised and posted online for the promotion when the full terms and conditions for my account have been met. See attachments. 

Despite countless contact with the Banks useless customer services agents, the problem still has not been fixed. 

The bank must immediately correct this problem and post the required {$300.00} to my XXXX Checking account without any delays!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Hi.

Thanks.

Having issues with Amazon Store Card issued by Synchrony Bank. 

Making payments and one {$170.00} that went okay but the other {$85.00} was rejected and instead of notified that it happened and me making other arrangement and they decided to credit it and then take it away like I made a purchase of {$85.00}. 

And not only that but they said that I made a {$87.00} payment which I did not made. And did the same as the {$85.00}. Told them i only made two payments in the app. {$170.00} and {$85.00}. 

Not {$87.00} in the website where they said that I did. 

So credit again like a purchase and then take it Back. 

Made no sense but ripping me off. By {$170.00} plus interests charges of $ XXXX {$18.00} on that purchase. 

Errors and mistakes with them since XXXX until now so need my 3 months of my time dealing with this which comes up to {$45.00}.

Photos do not lie.

The photos show that error clearly.

XXXX XXXX XXXX  to XXXX XXXX two payments not three.

They added a payment of {$87.00} in between.

What more worst they have it like a purchase.

Also had recording of calls made to them not only photos.

Appreciate all the help you can give me.

Thanks. 

XXXX XXXX. 

Card ending in XXXX.

Supposed to transfer to a new card as promised when started the fraud investigation but new card they send is not good.

They keep the XXXX and continue denying my claim.

They keep playing around with 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 explanation
Consumer complaint received 2022-04-18
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
GM Financial I paid off my auto loan on XX/XX/2022. They stated that it would take up to 17 days to receive the loan payoff. 
They confirmed on XX/XX/XXXX that the lien satisfaction/ payoff was mailed to my address of residence on XX/XX/2022. 
As of Saturday XXXX, XXXX, XXXX  The letter has not come. 
They send I can request a duplicate title via a web site, only after update and that takes up to be available, in this case XX/XX/2022. 
Please note this is a motorized document that they send USPS with no delivery confirmation or Tracking!??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2023-01-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home loan is with XXXX and they bought my home loan from XXXX XXXXXXXX Mortgage back in XXXX of 2022, I had paid extra payments into my account to cover tax 's, Insurance in the beginning because I'm a XXXX Vet on a Fixed income. Oklahoma only makes me pay the property tax on the first year, and the money was already there in my Account to cover this first year. When XXXX paid the property tax, they changed my escrow account to a higher amount and pushed up my monthly payment. XXXX was contacted many times about this, and I had also provided them with all necessary information and paperwork. I was promised that my account would not go up and the account would be reviewed. Never was, higher payment was auto drafted from my account. all without my permission on the new rate. Not only this but XXXX has released my information to XXXX callers who want me to refinance with XXXX and cash out my escrow in a new re-finance loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
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:
I contact the credit bureaus to do a review of credit report they did, but i did research and found improper even after they did review, the account numbers, in accordance with the fair credit reporting act XXXX XXXXt # XXXX XXXX, XXXX, XXXX are found to be improper, and violate my rights 15.u.s61681 section 602A section 2 : it also states that a consumer reporting agency can not furnish a acct 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 2022-02-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These above companies have violated my privacy rights. as well as reported inaccuracies ' on my report. according to these laws.

15 U S C 1681 section 604 A states a consumer reporting agency can not furnish a account without my written instructions.

15 U. S. C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A. a person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This inaccurate information is preventing me from obtaining a home for me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I used my american express credit card to pay for a bus ticket on XXXX XXXX XXXX. The bus service provider did not provide the bus service and I could not make my trip. When contacted the bus service provider ( merchant ) refused to refund the amount paid. They offered to give me a " voucher '' for half the amount of what I paid. That voucher had lot of restrictions and could only be used for some very high priced tickets and was essentially of no value and I refused. I contacted American Express to dispute the charge. America Express agents repeated failed to file the dispute correctly and kept filing the dispute under different categories randomly. American Express keeps resolving the dispute in merchant 's favor and keeps asking me to contact the merchant directly. I called and spoke to an American Express Supervisor today ( XXXX/XXXX/XXXX ). Her name was XXXX ( Id XXXX location XXXX NC ) and she again asked me to deal directly with the merchant. She conferenced me with the merchant and on explanation of the whole issue the merchant asked me to send them the details in mail ( which I have already done once ) and refused to say that they will issue a refund once done. Even after hearing all this, American Express insists that I deal with the merchant. I understand that a customer has a right to dispute when he/she has n't received the promised service. American Express keeps sending me the copies of the tickets sent by merchant. I never disputed the fact that I bought the tickets. What I am disputing is that the merchant did not provide the bus service. Today in our call, XXXX kept insisting that the merchant is not responsible for delays. I have told them that my case is not of delays. In my case, the merchant did not provide the bus service at all. They also say that the ticket was no refundable. I did not ask for a refund because of change in my plans or anything like that. The merchant can not not provide the service that I paid for and was willing to use ( also put a lot of effort to use ) and then say that it was non refundable. The bus broke down less than 5 minutes after departure. The driver lied to everyone and kept every one waiting and no replacement bus was provided. Inspite of my many attempts, the merchant has not answered this question and inspite of that Amercian Express keeps finding in their favor. I lost the money that I used to pay for the tickets and also lost my vacation time because I could not make my trip. I ask that American Express respect my right to dispute in case of services not received and raise the specific questions that have asked in my complaint with the merchant and answer those specific rather then just keep sending me the copies of the tickets I bought and blindly siding with the merchant without providing any reasonable explanation. 
This is a simple case of me not receiving the service I paid for. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2023-07-11
Company: EQUIFAX, INC.
State: NJ
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:
My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. 
By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. 
XXXX XXXX XXXX # XXXX Late payment reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please update the account as Paid/Current

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Marlette Funding, LLC
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am on a automated payment plan for {$62.00} with Best Egg for the XXXX of every month started XX/XX/XXXX. Best Egg continuously reported to the credit bureaus that I was late from XXXX XXXX XXXX. Best Egg received on time payment of {$62.00} every month on the XXXX drafted out of my bank account. When I called them for the 3rd time to ask for an explanation, no one could explain the 1st nor 2nd times. The 3rd time Best Egg stated they did not see what I saw on my credit report. But they had to report it. Every time they report this my score goes down. This is incorrect information. Even when disputing this Best Egg still stated I was late and even added XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00}, XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$430.00}.

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 non-monetary relief
Consumer complaint received 2015-09-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had many problems with Ocwen trying to work with my mortgage. I had a modification on my home in 2010 and it was never done proper. I tried to challenge the amount and got nowhere. So I just took the charge and continued to pay what they said I owed so we would not be homeless. Now, due to increased medical bills I have had some missed payments and late payments, and Ocwen has refused to work with me for over a year. I finally agreed to sell the house, if I could do a principle reduction so I could do a short sale and not be impacted with a huge loss. They notified me last week thru mail that my home is set for auction on XXXX XXXX in foreclosure sale. I explained again, my spouse is a verteran, XXXX, and I work part-time. I am willing to sell the house and start over, but I have no where to go and no money, with such a short notice. Medical bills are constantly increasing even with XXXX. I do n't want to throw all our money away that we have put into the house. They spoke with me on the phone and said I needed a CASH buyer or the house will be sold on XXXX XXXX. I asked them to please work with me for a half- short sale so we can get some relocation money. They said they want the house back first and then they will consider the relocation money. Can you please reach out and ask them to consider a mortgage reduction for a short sale or half short sale with a relocation package. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
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:
XXXX XXXX XXXX XXXX showing on my report and In accordance with the fair credit reporting act this account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )

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