BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: Early Warning Services, LLC
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, ME, XXXX ] [ XX/XX/2023 ] Early Warning Services Consumer Services XXXX XXXX XXXX XXXX, AZ XXXX Re : Consumer # : XXXX Dear Consumer Services, I am writing in response to your letter dated XX/XX/2023, regarding my request received on the same date. Thank you for your prompt response, but I would like to seek further clarification on certain aspects of your reply. 

While I understand that Early Warning does not offer direct-to-consumer products for opting out and that information in your database is acquired from financial institutions as allowable by law, I am keen on gaining a deeper understanding of the specific legal provisions that govern this acquisition process. Therefore, I kindly request additional information on the following points : 1. **Legal Basis for Information Acquisition : ** - Provide detailed information on the specific legal provisions that allow Early Warning to acquire information from financial institutions, ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Understanding the legal basis for this acquisition will help me appreciate the transparency and legitimacy of the process. 

2. **Exemption from Freeze Information Requirement : ** - I appreciate your mention of the FCRA exemption under Section 603 ( x ), which relieves Early Warning from the requirement of accepting or referring freeze information to other consumer reporting agencies. However, I seek further clarification on how this exemption aligns with the FCRA 's broader objectives of consumer protection and privacy. Please elaborate on the specific circumstances that warrant such an exemption. 

3. **Website Information and FAQs : ** - Your letter directs me to visit www.earlywarning.com/consumer for additional FAQs. I request that you provide specific information on the website regarding the acquisition of consumer information and the legal framework governing this process, as well as details on the exemption from freeze information requirements. Clear and accessible information on your website will contribute to a better-informed consumer base. 

I believe that providing this additional information will contribute to transparency and help me better understand Early Warning 's practices within the framework of consumer protection laws. 

Thank you for your attention to these matters. I look forward to a comprehensive response. 

Should you have any questions or need further clarification, please do not hesitate to contact me directly. 

Sincerely, [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Paypal recently sent a letter informing me of changes to their user agreement, and by doing nothing that these new terms and conditions would be automatically implemented on the dates in the letter that ranged between XX/XX/XXXX and XX/XX/XXXX. They state in their letter an opt out provision that requires the closure of the account. 

I called on XX/XX/XXXX at XXXX pm and spoke with their customer service representative and told them I do not consent to their unilateral alteration of the terms and conditions, and thus would like to keep the current contracts governing our relationship in place, or close the account. They refused to do either, despite the letter which indicates that remedy as PayPal well knows they must receive either direct or implied concent to unilaterally alter the agreement that governs the relationship between them and their user. 

Paypal does not have a choice here without being in violation of contract law. I have requested to opt out of the changes, they have a remedy of closing the account if I do not concent, and now refuse to do either. A violation of their legal responsibilities as well as given their own opt out provision, which they are not allowing me to exercise, a violation of the covenant of good faith and fair dealing. 

To be clear, I am opting out of the changes on both my personal and business account with PayPal associated with the email addresses XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit 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:
I understand that ticket purchases often come with certain terms and conditions, and I acknowledge that tickets are generally non-refundable. However, my concern arises from the denial of my right to change my flight by paying a specified fee, as outlined in the terms and conditions associated with my original booking. I had attempted to change my flights with XXXX on XX/XX/28 but my right was denied. 

As per the terms and conditions that I accepted with the bank transfer for my ticket, I am granted the right to change my flight by paying a fee of {$210.00}. This information was clearly communicated, and I relied on it when making my travel plans. Unfortunately, when I called to exercise this right and change my flight, my request was denied. 

I would like to emphasize that I am not disputing the terms and conditions agreed upon during the booking process. Rather, my dispute stems from the denial of a right explicitly stated in those terms and conditions. 

To provide more context, I attempted to change my flight due to unforeseen circumstances, and I was willing to comply with the stated fee for this service of {$210.00}. However, I was informed that my request for a change was not possible because my card did not work, while simultaneously being offered the option to purchase a new ticket for {$530.00} using the same credit card or payment method. 

I kindly request that you review the details of my case and clarify why my right to change my flight was denied, even though the terms and conditions explicitly permit such changes for a specified fee. I believe there may be a misunderstanding, and I am hopeful that this matter can be resolved amicably.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: Data Mortgage Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
in late XXXX I fell ill to XXXX. I had gone the whole pandemic without getting sick and unfortunately when I got it, it was really bad. I was out of work for weeks, and then my XXXX XXXX  got it back-to-back. I was out of work for almost a month with little pay and not being able to qualify for FMLA. We were having trouble catching up on bills, so I called Essex Mortgage and requested the loan be put in forbearance. I asked what happened once we got caught up on the payments. I was told I needed to request to end the forbearance, and it would be in forbearance until I called and officially requested it to be taken out. At that time then they would discuss payment plans if need on any remaining balance. I contacted another agency to apply for HAF funds and was granted those in early XXXX. The HAF funds we received covered our past due and some forward. We were able to resume payments for a short period of time, and then my husband got XXXX in XXXX of XXXX. He ended up suffering long term effects from his XXXX called XXXX XXXX. He was out of work for a few months while trying to regain some strength and get his body healthy. I had called to inquire about payment options as we were struggling with making ends meet. I was told the mortgage was still in forbearance and we would be okay and to make payments when we could and catch up at the end. We ended up making half payments until we were caught back up. In XX/XX/XXXX both my husband and I were involved in a horrific XXXX XXXX. This left both of us in the hospital for months. I called Essex once we were released from the hospital and explained the situation. I was informed that we were no longer in forbearance because Essex had changed its policy regarding forbearance. We were taken out of forbearance without my knowledge or consent. This has been detrimental to our credit and our ability to get back on track. Essex has harmed us by unlawfully taking us out of forbearance and delinquent on the mortgage. It has harmed my credit, as my car was totaled in the accident, and I can not longer obtain a car loan because the mortgage is reporting delinquent. Leaving my family in harm of further loosing employment without reliable transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove the inaccurate inquiry that is showing on my credit report. A copy of the notice has been provided from creditor.

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 2023-12-06
Company: Resurgent Capital Services L.P.
State: MN
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:
on XX/XX/23 I disputed a collection account. XXXX did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of this reporting service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My account got hacked and there were fraudulent transactions made..Venmo refused to refund me or try to get my money back..they denied my claims without doing a full investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

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 2023-11-29
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I informed Chrysler Capital I XXXX XXXX XXXX around mid XXXX, I requested a deferment for my XXXX payment, which they granted. But, due to the nature of the XXXX ; I had to have XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX was done in the second week of XXXX. I am currently in XXXX and remain XXXX, until a doctor signs off and gives me the clearance to return back to work. Chrysler Capital is well aware that I work on a XXXX XXXX Thats how I make my livelihood. Because the nature of my work and the layout of the XXXX and the conditions in which we operate ; it is not feasible for me to use crutches or a wheelchair. I called again nearing the end of XXXX to explain XXXX still currently in XXXX, that I would be unable to make the XXXX payment, if they could defer the payment. I was denied, due to being given one in XXXX. Im grateful for the XXXX deferment. However, Im still dealing with this medical issue, something of this seriousness doesnt go away or resolve itself overnight. I was denied because of my payment history which is a poor excuse ; because I have always made my payments on or before its due date, my payment history is current and is satisfactory. I spoke with a representative today ( XX/XX/ ) who even reiterated my payment history is impeccable, but, I was denied a deferment because of my payment history it doesnt make sense. I was given the option of a promise to pay in which I make a partial payment on my XXXX due date, fine, what else am I to do? What they dont understand is ; I have other financial obligations, more important than a car payment that I have to decide between. I expressed to them that if that be the case, I would voluntarily surrender my car, but they want to avoid that. They know that option would be more expensive on their end. I agreed to the partial payment, so it wouldnt stain my credit history and report. But, Im pushed into a corner. Its still going to be difficult to even fulfill that option. I feel Chrysler Capital disregards customer hardships, because they want their money. By any means necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
TRANSACTION REFERENCE NUMBER : XXXX. 
Initiated {$5000.00} remmitance on XXXX XXXX from XXXX bank to pick-up at MoneyGram representative in XXXX : XXXX. XXXXXXXX XXXX only allows {$4900.00}. 
XXXX. XXXX could not proceed with transaction because they have a technical issue with MoneyGram and after XXXX attempts on the phone to fix, nothing was accomplished. 
XXXX. XXXX has limited dollar amount withdrawl ( {$400.00} ). 
If MoneyGram is offering a service, it needs to GUARANTEE that it's partners can fulfill the transfer. MoneyGram is being FRAUDULENT because it " HOLDS YOUR FUNDS HOSTAGE '' until returned, sometimes more than 15 days!!! 
This is not the first, second nor third time MoneyGram has done this with my account. MoneyGram needs to be held accountable and PENALIZED for non-fulfillment of service. 
I have spent 5 days traveling to the city, wasting more than XXXX hours time trying to resolve. I want COMPENSATION!!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National credit systems has violated my rights as a consumer and used illegal abbsusive practices against me and my credit report. National credit systems has been increasing and decreasing my debt by XXXX dollar every other month to negatively impact my credit score. Under guide of the law this is an abusive tactic and is illegal under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
The PayPal sales and collection service portal has retained our funds, which were obtained from the sale of an event in the month of XXXX and XXXX. 

We began sales on XX/XX/XXXX with its paypal collection system linked to our online ticket sales website called XXXX The event took place on XX/XX/2023, Paypal charged all transactions and froze the money without any explanation. 

Several reports have been raised in their callcenter without giving us a valid or favorable response, and the only solution they present to us is to wait longer for the funds to be released. 

Days after the event, disputes began to appear, which are normal in this type of event, but of the 42 cases in dispute they only represent a small percentage and in which that percentage of money remains in reserve, with no explanation given. 100 % of the funds and those withheld. The total funds withheld are {>= $1,000,000} XXXX We understand this part in that only a percentage is left in reserve to resolve disputes ( {$100000.00} XXXX ) but not the total funds, which are clean and without disputes. 

Even the disputes have no claims by the customer only appeared in our paypal account which are held. 

Our disagreement is because 100 % of our sales are being withheld, which generates uncertainty and problems with our suppliers. 

And as mentioned above, Paypal 's answer is what should we wait and wait for longer. 

In Paypal 's Policies it mentions that the customer has 21 days to mention whether they are satisfied with the sale, and 32 business days have already passed since the first sales transaction and the funds are still being held. 


Another point that can not be accepted is that when I contact their call center, they never have a supervisor or manager to deal with major problems, in addition they cut off the calls and never make a call back, the waiting times for attention. They are getting longer and longer and I feel like I am being blocked by them from being able to connect the call. 

More than 30 calls have been made to their call center, sometimes with friendly people, other times arrogant, others lying that they will release the funds in 5 days, which has never happened, and in general no one solves our problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TrueAccord Corp.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Tried to call them XXXX times No answer Fraud from XXXX on my account Says its pending but havent provided updates on mail received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-27
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX I made a minimum payment due for {$110.00}. 

XXXX XXXX My ACH filed which was unaware to me. 

XX/XX/XXXX, XXXX I made two payments for {$250.00} and {$16.00} totaling of {$260.00}. 

XX/XX/XXXX, XXXX I made another payment for {$130.00}. 

I have a late payment report for XXXX for 30+ days late which was only two weeks late when the payment was made.

Company response to consumer: Closed with explanation