BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America Claims To whom it may concern : Through this letter I request the resolution of fraud claim number XXXX. 
On XX/XX/XXXX, I received a text message on my phone asking me if I recognized some transactions. I answered " NO '' and I immediately called the phone number listed in the text message. 
While calling, I went to online banking and to my surprise I discovered many other consumptions. I started " dispute this transaction '' online in addition to the claim that had been opened by phone With the nerves of the moment, since it was more than {$2000.00} dollars, I made the mistake of disputing the XXXX  XXXX transaction. After reviewing the facts with my wife, we concluded that this transaction was made by my wife when she went to the park with my children and bought them sodas, but since we live in the city of XXXX, Fl and not in XXXX, FL, we think that it was part of the fraud Along with this letter I am attaching an email that XXXX sent me confirming that I did not make the consumptions that appear there. Of course I have an XXXX account and I use it frequently, but in my profile, as you can see, I also have my XXXX credit cards set. 

I definitely did not do the consumptions of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I have doubts about some consumptions of XXXX and XXXX since in XXXX we only buy for very smaller amounts because it is expensive and in general we use the credit cards of XXXX, and the XXXX grocery of XX/XX/XXXX for {$270.00} that if it was buying online is part of the Fraud also because we NEVER buy online in supermarkets. You can easily check it by checking our history I have lived here in the XXXX for less than two years and it is the second time that I have to change the card due to this problem ... 

Please I want to solve this because it generates a lot of stress for me to enter my account and see a balance of {$2500.00} that is the product of a FRAUD and does not correspond to me Thank you in advance for the management

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 2023-05-30
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:
I sent a letter to TransUnion to file a dispute on my credit report and I'm not happy with the investigation results because the negative information on the report still remained even though there is no proof that I opened the account. The following account is opened as a result of fraud and I'd like TransUnion to remove this account off my credit report : 1. XXXX XXXX I also would like to dispute the following hard inquiries : 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 2023-09-05
Company: Paypal Holdings, Inc
State: TX
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:
As of XXXX XXXX XXXX I can't sign in to my Venmo account. When I try, I get the following error " OAuth2 Exception : Unauthorized action.. ''. I was able to reset my password ( confirmed via email notification ), but even with these new credentials, I get the same error. As a result, I can't access any of my funds or make new transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
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: Old information reappears or never goes away

Complaint:
please see attachments that reveal the technical problems in transunion 's computer systems.they can not deliver the free annual report.they can not put a report online since XX/XX/2019. 
I'M TRYING TO DO A DISPUTE ON AN ACCOUNT THAT QUALIFIES AS TOO OLD TO REPORT ... YET I LIVE WITH THE CREDIT DAMAGE AS A RESULT OF TRANSUNION 'S INABILITY TO DELIVER A REPORT.I HAVE A NORMAL SIZE ACTIVE REPORT WITH ABOUT 10 ACCOUNTS.THERE IS NOTHING UNUSUAL ABOUT IDENTITY OR THE NUMBER OF QUESTIONS TO GENERATE IDENTITY CONFIRMATION. 
IF TRANSUNION IS GOING TO BE A CREDIT BUREAU THEY SHOULD FUNCTION AS ONE ... THEY HAVE HAD TECHNICAL PROBLEMS FOR 18 DAYS AND I SUFFER FINANCIALLY FOR IT, AS THE NEGATIVE ITEM WILL MOST ASSUREDLY BE DELETED BY TRANSUNION 'S IN -HOUSE POLICY AND THE PASSAGE OF TIME.. 
THE ACCOUNT I WOULD LIKE TO HAVE REMOVED FOR " TOO OLD TO REPORT '' IS XXXX XXXX, ACCOUNT XXXX ... THE DATE OF FIRST DELINQUENCY IS SLIGHTLY BEFORE WHAT IS RECORDED ON THE REPORT AND THE ACCOUNT FITS THE POLICY OF TRANSUNION FOR REMOVAL NOW!

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 2023-08-12
Company: Constantino Law Office, P.C.
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX and XXXX XXXX XXXX XXXX are suing me for over {$1800.00} on a loan that was originally {$600.00} that Im not even sure that I took out. I have attempted to settle this debt with him multiple times. The first offer of {$1000.00} he refused saying that he wont take less than 70 % of the original claim which somehow equated out to {$1300.00}. I tried to get him to explain the math on that and was ignored. They told me I had to file a response in court. I have filed responses in court only to get abusive responses back from constantino and his XXXX. 

I have once again tried to negotiate a settlement with constantino because i simply dont want a judgement against me only to be IGNORED by the law firm. 

XXXX XXXX  and his firm uses the Utah State court system to abuse people into paying him massive settlements on small debts to save their name and credit. 

Apparently XXXX XXXX is a part owner of the company who bought the debt, XXXX XXXX. This should be criminal in itself!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Credit bureaus stated that my accounts were properly investigated but they failed to provide me with details of how the accounts were verified, by whom, and failed to correct the information. There are disparities between reports. My name is spelled in various ways between agencies. I have disputed the information and requested that my name spelling be updated but the bureaus fail to make the changes. Disputes were sent XX/XX/2022, XX/XX/2022, and they fail to make the corrections. 

15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions The listed inquiries below were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Accounts in Dispute Include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Westlake Services, LLC
State: CA
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:
I purchased a used XXXX XXXX XXXX from a used car dealer XXXX XXXX XXXX XXXX XXXX CA 0n XXXX XXXX XXXX and it was financed by Westlake Financial Services.  I added Gap insurance to my account with Westlake at a cost of $ XXXX per month.  The contract was for 72 months and Westlake added the "Gap"  charge to my account balance for the entire contract period at a total of over $XXXX.  I paid the entire contract off on XXXX XXXX XXXX which included the entire cost of the  "Gap" insurance.  Today, XXXX XXXX I requested from Westlake a refund on the advance payment of the insurance which was 70 months at $XXXX per month which totaled $XXXX.   I do not need Gap" insurance if I do not owe anything on the  car to Westlake.  My request for the amount of the overpayment to be refunded was $XXXX.  

The company:   Westlake Financial Services
                          XXXX XXXX XXXX XXXX XXXX, CA XXXX                            Phone:  (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 2023-08-12
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I bought a XXXX XXXX XXXX  from US Auto sales around XX/XX/XXXX was supposed to have a XXXX warranty on it and a week later the check engine light came on. I tried to call and take it back to be looked at and the car lot was empty. Got an email saying they had to temporarily close the car lots but to still pay the bill through the finance company. Paid my bill then the people who took over called a month or XXXX later stating they were taking over and basically none of the money I put towards the car mattered and I would have to start payments all the way and not have my XXXX year warranty anymore because the warranty was voided when the car lot closed. So I been having to car out of work because the car has a coolant leak somewhere, the air dont work and I have XXXX kids that I have to take to school and football practice and games and the check engine been on since a week after I got it and it runs hot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Jim Bottin Enterprises, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On about XX/XX/XXXX, a notice was received from XXXX XXXX XXXX , XXXX. about a health club membership that was in collection for a gym called XXXX XXXX in New Hampshire. After looking into the membership ( my daughter 's ) and actions taken, I saw that my daughter had followed procedures to end that membership in XX/XX/XXXX. 

I contacted XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX to discuss. My daughter contacted him prior to my conversation to allow me to speak on her behalf. XXXX told me that it didn't matter if she had cancelled her membership, and in fact that nothing she had done up to that point mattered at all, the only thing that mattered was that she owed {$190.00} and had to pay that. 

I tried to explain what actions had been taken up to that point, but he just spoke over me and was clear in that he had no interest in anything that I had to say. 

He said that if she didn't pay the {$190.00}, the amount would go up. When I asked why it would increase ( concerned about timelines with payment ) he said that legal fees when they sue her would be tacked on to the amount and suggested that it would be about {$1800.00}. 

I tried to further explain that she had cancelled by emailing the contract company and XXXX told me that email was not an acceptable way to cancel her membership, and that in fact the only way to cancel was for her to send a certified letter requesting cancellation with 30 days notice. I contacted the contract company to learn that was not true, and in fact email is the appropriate way to cancel. 

Even after hearing these facts from me, XXXX continued to apply pressure for this debt to be paid, threatening action with the credit bureaus to damage my daughters credit rating. 

We will pay this debt out of fear for her credit, not out of the legitimacy of the debt. Since the amount is so low, it isn't worth even seeking relief through the court because legal fees would eclipse the {$190.00}. But, the practices of XXXX XXXX XXXX , XXXX and XXXX XXXX should not be allowed to continue. He illegally threatened legal action, made false statements about the cancellation procedures that should have been followed and continued to attempt to collect a debt where serious doubt should have existed as to it's validity. These are all illegal actions on his part. Not once did he even say that he would look into the debt 's validity or attempted cancellation of the gym membership. 

He likened himself to a judge and indicated that there was no higher authority than himself in this matter. When I contacted customer care at XXXX XXXX, those emails were immediately forwarded to XXXX, which caused some further concern on my part as to me being able to find any acceptable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
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:
I filed to have my credit report reflect that my loans at XXXX XXXX XXXX XXXX XXXX were in fact paid off and not simply closed. After the Bank told me they could only show them as closed because that is only what the credit bureau allows. I contacted the credit bureau who told me it was up to the bank. After nothing happened, I filed with you to get the matter fixed. 
Now the credit bureau has dropped my credit scores more than 30 points for no true apparent reason in XXXX. I have always paid off my credit early. I opened a new account as I have in the past, but it never made my score drop more than 30 points. 
At this point I feel they are retaliating against me for reporting them to the feds. 
There is no true reason from my score to drop more than 30 points for an increase of {$350.00} credit for someone who brings home {$5000.00} a month. If this is the case, then the same amount of points should be returned once the line of credit is paid and this did not happen. 
I want something done about the retaliation to my reporting them to the feds.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to TransUnion LLC twice Wednesday, XX/XX/2022 and today XX/XX/2022 to complaint about them having my personal and private information without my oral or written consent and for furnishing inaccurate information on my behalf without verifying anything. I have filed an FTC report for identity theft that themselves are participating in it. In my FTC report, I let them know that it was not made in error nor in misrepresentation of material fact relevant to the request. I have listed some accounts and inquiries that needed to be removed within 14 days as the law require. Not only they told me they rejected my FTC report but at the same time they added an identity theft statement to the report ( i did not know that a limited liability company can reject a consumer identity theft report ) but the supervisors were very rude saying I can GO KICK ROCK and I can go file thousand of complaints with the cfpb that they do not care and they will not remove anything in flagrant violation of my federal protected right. ( BASICALLY, I CAN GO XXXX MYSELF. THEY ARE THE ONES WHO RUN THE SHOW ) I have a recorded audio of both interactions with TransUnion LLC supervisors in case i have to turn to the federal court for resolution and remedies. I have attached is the letter i received from them.

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 2021-05-21
Company: BTH Management
State: FL
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:
XX/XX/XXXX started repayment plan with plaza services initiated by XXXX XXXX XXXX XXXX 1 year payment plan paid of in XXXX following year. Plaza took 2 payments in XX/XX/XXXX. Have never received title have contacted numerous times no answer on phone or by Email. XXXX original loan company says they washed hands of the loan when sold to Plaza. Original problem started with XXXX because never received title to put Motorcycle on road in MD. spoke with multiple times was told would get after a year got fed up told them would stop paying on and put money into Escrow until received title. So they put Bike up for Repo then Spoke with Repo company whom assured me I would get title once paid of. If I took payment plan from Plaza Services LLC. so did that. When I go onto there website it shows I owe XXXX which I have no problem paying as long as I get my title. Have tried contacting customer Multiple times no response with Email or Phone.

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 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I was a victim of identity theft and the result of that several account are reporting that are not mine i have try many times to fix this problem with these company and they refuse to removed these account from my report, account that are fraudulent BANK OF AMERICA # XXXX BANK OF AMERICA 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 2019-07-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I purchased 2 money orders in XX/XX/XXXX. one of the amount {$450.00} and the other of {$1600.00} from XXXX cashier and placed them in a mail box. Both money orders was stolen and altered. I did everything in my end to receive my money back. I made a police report and did everything in my end with XXXX cashier to get refunded back. I received my money back for the amount {$450.00} a few weeks ago from XXXX Cashier. On XX/XX/XXXX I received a letter from XXXX  that was sent by XXXX XXXX from the XXXX XXXX XXXX XXXX that my claim was denied because they claim there was no proof of alteration. Since that day I have been reaching out to XXXX via email. I sent her an email to please consider reviewing my case again and sent her 11 attachments of my documents just in case there was something that wasn't sent by XXXX. I not yet to receive and response email back by XXXX in regards to this matter. I am going on a 1 year dealing with this situation. I work hard for my money and gave up {$1600.00} quickly to XXXX and to be refunded this money back has been XXXX and has caused myself and family a hardship and an enormous amount of stressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-05-21
Company: BAM Management US Holdings Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Ever since XXXX XXXX, 2021, when I opened my support ticket, I've been unable to access the money in my Binance.Us wallet. 
Even after being " escalated '', customer support didnt even know what my issue was, and provides the same " we'll be in touch through email '' responses. 

Dozens of tweets and emails and there's been very little progress in the past 3 MONTHS without access to my funds. ( XXXX XXXX ) This is my last chance at getting help as I don't know who else to contact. If@Binance.US isn't pulling isn't results, they also go by BAM Trading Services Inc . 

Thank you.

Company response to consumer: Closed with explanation