BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-01-24
Company: Block, Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I attempted to cash out {$480.00} from my cash app account to my bank account. I was prompted to give my debit card information and or bank account information, I never got a message like that before, and I decided to wait a couple of days. On XX/XX/XXXX I attempted to cash out again the {$480.00} sitting in my cash app account, and the same price came up again asking me to give my credit card information. At that point I called Cash App from a number in my XXXX search. The person on the other end explained to me that he can fix the problem, I needed to open an app called go to resolve which I did, and he was able to steal my money through a series of transactions. When I realize what happened I called and got a cash app representative and gave him all the information and persons name and number. XXXX then told me they will email me the results of my claim. He let me know that it would take at least 10 days to get a result from this claim. The very next day XX/XX/XXXX I received an email from Cash App stating I authorized the transactions and theres nothing he could do. My argument is I never would have reached out to anyone had I not been prompted to give my credit card information or bank account information when I try to cash out. Ive never experienced a problem cashing out before. This person was able to take {$480.00} from my cash app account and also take {$480.00} from my checking account. This person also try to obtain a loan from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on the same day. There were other fraudulent activities on my other bank account from the same person in which he was unsuccessful to get the money. All of these transactions happen between XX/XX/2023. This individual called me on XXXX XXXX disguised as my bank asking me to speak to the Fraud Department and I simply told him I would talk to someone in the branch the next day they were attempting to try to get the rest of the money out of my checking account through a credit card in which they transferred {$3000.00} from to put into my checking account. He used the name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I paid a CASH down payment of {$1700.00} for my car on XX/XX/XXXX of 2019 and they classified it as CREDIT which is not true

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 2023-06-19
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
In late 2022, I was notified by PayPal that I couldn't use PayPal anymore because they determined I was in violation of their acceptable use policy. I was told that my funds would be held for 6 months by PayPal and then returned to me. 

More than 6 months have lapsed. PayPal is still holding my account balance of {$1300.00}. They have not returned it. I have called multiple times and the XXXX time I was ble to get through, the representative informed me that she had created a case and someone from PayPal would call me with further instructions on obtaining my funds. 

Whenever I call PayPal, I'm put on countless hold times by the automated system and I can not get through to a representative. 

I want my {$1300.00} refunded immediately along with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
We was in an XXXX accident in XXXX of 2016 in XXXX, Ohio. The man who XXXX cited for the accident and we went to court. We assumed this situation was done for and everyone was pretty much chalking up the damages to our car. We get notified from the XXXX when we tried to get tags on a new car and we were notified that the license was suspended due to the accident and that we owed the man almost XXXX dollars. We NEVER got any notification of this from last year to now. If we never went to the XXXX we would have never known. Every time I attempt to call these people to get more information they give me the run around or they just hang up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
XX/XX/2022, filled out the Odometer Statement and uploaded to my account. 
XXXX, talked with different XXXX  representatives several times, to make sure they received the Odometer Statement and asked about the way to transfer the cash to fulfill the quote. 
XX/XX/2022, transferred the first payment. 
XX/XX/2022, transferred the second payment. The sum of the two payments make up the quoted amount. The transactions were confirmed by XXXX. 
XXXX, called XXXX  customer services and email lease and/or title department multiple times to follow up on the title transfer. I has been told that it would take 7 to 10 business days. 
In sum, XXXX  confirmed that the quoted payment has been paid in full on XX/XX/2022. They claimed it takes 7 to 10 business days for them to transfer the title to me. Yet I have not received any title as of today XX/XX/2022.

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 2017-03-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I, XXXX believe that the credit bureaus such as Experian are essential to the American credit community. The system of credit reporting is massive and the credit bureaus are not given the credit they deserve serving hundreds of millions of consumers and millions of businesses in America. Sometimes, when a consumer has a legitimate complaint against how a certain subscriber is reporting a credit payment history, a bureau such as Experian can not be blamed for an indiscretion because a corporate subscriber break the rules that should be applied equally from the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Accordingly, I respectfully request a follow up from a complaint I filed directly with XXXX. My complaint response is # XXXX. My complaint was very specific. My consolidated student loans were never paid on as they have always been deferred. I XXXX, and my consolidated loan payments begin XX/XX/XXXX. It states that fact right under the STATUS of the account numbered # XXXX. However, XXXX shows no 30-day late payments, but a 60-day late for XX/XX/XXXX, and a 90-day late for XX/XX/XXXX. This negative on my credit reports hurts me personally, as I am a professional XXXX woman trying to better my life as well as the lives of my family. I believe that the XXXX should correct my credit report by removing all payment histories since I am not and have always been in a deferred payment status. I respectfully request a reinvestigation by Experian to assure me that the XXXX abides by the subscriber agreement they have with all credit bureaus, especially Experian.

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 2017-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, on XX/XX/2017 and XX/XX/2017 XXXX of XXXX XXXX FL XXXX reported the same Collection account on my Credit report. This is malicious intent to ruin my life to report the same account within two weeks of each other dropping my credit score. There is a open dispute with the first account as I feel it is fraud and to come back within two week and add the same Collections account definitely has to be fraud. Please help

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 2017-11-04
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I wanted a pay-off quote for my mortgage loan with Freedom Mortgage ( Loan # - XXXX ). So I went to their website and logged into my account to see if I can get it online. In their FAQs section they mentioned the process as below. 
-- -- -- -- -- -- -- How do I request the payoff amount for my loan? 
You XXXX contact our Customer Care department at ( XXXX ) XXXX to request your payoff amount. Freedom Mortgage Customer CarXXXX representatives are available to assist you Monday through Friday from XXXX XXXX and Saturday from XXXX XXXX Eastern Time. You may also send a request to XXXXXXXXXXXX or mail to Freedom Mortgage, XXXX. XXXX XXXX, XXXX, IN XXXX. 
Please be advised, we are not able to send a payoff quote to a third party without the borrower 's authorization. Please ensure the authorization is provided at the time of the request. 
-- -- -- -- -- -- -- So I sent an email request on XXXX to the email address mentioned above. There was no mention of any fee for this payoff quote request in their website. 

Since I did not get response, I called the Customer Service number provided above on XXXX and asked for Pay-off quote. The agent said they are working on it and I will get in couple of days. There was no mention of any fees for this payoff quote request during our conversation. They can check the call recording. 

On XXXX I received the payoff quote by email and in that email also there was no mention of any fee that would be charged for requesting payoff quote. 

On XXXX when I checked my Freedom Mortgage online account in the website, I see that there was a {$30.00} fee that was charged towards this payoff quote request. 

This is extremely unfair to charge me a fee when there was no indication on the website or I was told about this when I spoke with the agent on XXXX. 

I called Customer service on XXXX and they said they can not revert back the fee. Why should I pay a fee that I was not told or disclosed to me earlier? I feel deceived by Freedom mortgage charging fees without my knowledge and they told me it was because of XXXX XXXX charging Freedom mortgage. So how will I know what other third parties charge to Freedom and then I have to take the hit on this? There is no transparency and this is cheating borrowers. 

I would like CFPB to look into this compliant and have Freedom mortgage revert back the {$30.00} fee.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix 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 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 explanation
Consumer complaint received 2017-03-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX. I have yet to receive a form XXXX from Wells Fargo, and they are clearly in violation. I have requested that all documentation, monthly statements and communications be mailed to me via my mail address on file. Yet every year without fail Wells Fargo does not send the XXXX via XXXX. 
XXXX. In XXXX XXXX 2017 I received a notice from Wells Fargo Stating that payment was late for the month of XXXX and that a late charge was being levied. I was further instructed that payment was due on the XXXX of each month and only as a courtesy they were tolerating a 15 day late period. 
o My VA loan closing statement clearly states that I have up to the XXXX of every month to make payment without penalty. That is a part of my contract with the Veterans Administration and not a " courtesy ''. It is contract. 
o I received a XXXX 2017 notice from Wells Fargo Stating that a shortage was detected in the Escrow Account, for the amount of XXXX and that if I paid the amount by XXXX 's payment my new payment would be XXXX I sent Wells Fargo, Checks for XXXX ( ck XXXX ), XXXX ( ck XXXX XXXX and XXXX ( ck XXXX ) which total in excess of the XXXX Escrow account Mortgage account combination by XXXX Less the XXXX " shortage amount '' leaving a refund due of XXXX ( please send refund for the amount of XXXX ) o I have written repeatedly about the " unapplied '' funds account that appears to be used as a paper front. I write checks that say either principal & Interest only or escrow only and Wells does not deposit them in either but liquidates them in an " unapplied '' funds account, which has no balance sheet. Then Wells deducts the amount they choose, leave and unchecked balance in the " unapplied '' funds account. The balance in the account is never applied to either account Mortgage PI nor Escrow, yet there is a paper front that it exits. It would not surprise me to find out that this money is being used to support other accounts not related to mine. If Wells were to place my money where it is designated then there would not be a false late fee alert or charge, or any " unapplied '' 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-05-07
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I closed my XXXX XXXX account in XXXX of XXXX. I received my federal income taxes around XX/XX/XXXX to my prepaid American Express. I was charged {XXXX} on XX/XX/XXXX to my prepaid American Express. I have disputed the charge three times to American Express has denied my dispute even though I did not authorize this charge. I requested a debt validation notice from XXXX XXXX in XXXX of XXXX. I did not receive any validation information as XXXX XXXX was collecting on behalf of XXXX. I spoke with a supervisor named XXXX whom advised that XXXX sent a letter advising i could dispute the charge and XXXX would not attempt to recollect but would not give a direct company refund for the charge. I requested a copy of the letter per my FDCPA and consumer rights and was advised XXXX could not resend the letter. American Express has no right to pay a charge I am disputing from my prepaid American Express. This has caused me grave financial harm as my this money from taxes was for my kids and past bills. My water was turned off for 3 days due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company XXXX, its not the original creditor according to an email That I received from another company ( XXXX XXXX. XXXX ) which ask me to contact them for the same ACCOUNT Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, you are answering only the first part of my argument. The second part remains unanswered. Moreover, why does the original creditor share all my information with almost three companies for now? Thus, as you said in your report this account is accurate. Please could you be so kind as to provide me with those answers? Such as : 1 ) Who you are talking to? 2 ) What time did you talk to them?

3 ) What was the name? 4 ) What department do they are working in?

5 ) What did they say? 6 ) Did they show you proof?

7 ) How did they validate the accuracy of this account?

This account is reporting the same inaccuracy according to the XXXX report on XX/XX/2023 : And I do not recognize this 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 non-monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: DC
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:
In accordance with 15 USC 1681a ( 2 ) ( a ) ( I ) XXXX, XXXX, and Experian has violated my rights by reporting the transaction between Me the consumer and the person making the report which the companies Im doing business with. This considered a violation. 15 USC 1681a ( 2 ) ( a ) ( I ) clearly states the transactions between the consumer and the person making the report is excluded from the consumer report. 

Account reporting inaccurate information. 

XXXX. XXXX XXXX Account # XXXX Open date inaccurate Last reporting date inaccurate Last Active dat inaccurate Last payment date inaccurate Clearly show late payments which is an violation XXXXXXXX XXXX Account # XXXX Last Payment Date wrong on this account Last Active Date is inaccurate Payment Status Inaccurate Clearly show late payments which is an violation XXXX Financial Account # XXXX Opening Date is inaccurate Last Reported Date inaccurate Date last Active inaccurate Date of Last Payment inaccurate 4. DP OF EDUC Account # XXXX This account does not belong to me Never gave consent to furnish this account This is considered a violation. 

XXXX XXXX XXXX XXXX XXXX  Account has been paid off This company has not license to collect in Washington DC Please delete this account as it is causing financial and emotional damage. 

XXXX XXXX Account # XXXX Open Date inaccurate Payment Status inaccurate Date last Active inaccurate Late payments being reported is a violation Please delete this account XXXX. XXXX XXXX Account # XXXX Open date inaccurate Active Status inaccurate One report say open, another account say Paid. 
Please delete this inaccurate account XXXX XXXX Account # XXXX Open Date inaccurate Last reporting date inaccurate Credit limit inaccurate Please delete this account A consumer report should be 100 % Accurate. There are too many inaccurate accounts and consistency of careless activity being done on my report. There must not have been any investigation of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation