BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX  / {$62.00} / 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 non-monetary relief
Consumer complaint received 2018-10-24
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a letter is a Notice of Error sent pursuant to 24 C.F.R. 1024.35 The enclosed Assignment of Mortgage that was recorded and filed on XX/XX/2010, with the City Register of the XXXX XXXX XXXX XXXX to claim legal ownership was robo signed. 

Robo-signning has been outlawed in the State of New York. The Assignment of Mortgage was robo-signed by know and admitted robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. 

I'm enclosing supporting evidence of fraud showing XXXX XXXX, XXXX XXXX and XXXX XXXX roles as known robo-signers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing to file a complaint regarding an unresolved payment issue with my Amex Delta Skymiles Gold card ( XXXX ) On XX/XX/2023 the amount of {$650.00} ( transaction number : XXXX ) I made a payment through my XXXX bank account ( bill ) to settle the outstanding balance on my American Express card. The funds were successfully debited from my account, and I received confirmation from XXXX regarding the transaction. 

Despite providing American Express with the proof of payment, including the transaction receipt, they have repeatedly failed to acknowledge the payment. I have made numerous attempts to resolve this issue by contacting American Express customer service representatives, but they have not been able to assist me in recognizing the payment. They insist that no payment was received, despite my documented evidence. 

I have also reached out to XXXX bank multiple times to seek their assistance in resolving this matter. According to XXXX, the payment was indeed processed successfully, and they have confirmed that the funds were deducted from my account as intended. However, XXXX has stated that there is nothing further they can do to help, as the responsibility lies with American Express. 

As a result of this unresolved issue, I am now in debt with American Express for an amount that was already deducted from my bank account. I have neither received a refund nor have I been credited for the payment made. This situation has placed me in financial XXXX and has caused significant inconvenience and frustration. 

I kindly request your intervention in this matter to ensure that American Express recognizes the payment made, refunds the amount deducted from my account, and rectifies the discrepancy in my credit card balance. I would greatly appreciate your assistance in resolving this issue and preventing any further financial losses on my part. 

Please find attached copies of the payment receipt and any supporting documentation for your reference. Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am writing to express my extreme dissatisfaction in how Cash app have not tried to assist me with an issue i had. My account was locked, and I was unable to access my funds while I was in an emergency situation. Despite repeated attempts to contact the customer support team, I have received no satisfactory response or explanation as to why my account was locked. They kept repeating that I had to reach my weekly limit. Furthermore, when I attempted to calculate my limits per week by adding up all my transactions, which came to a total of {$150.00}, I discovered that I had a remaining balance of {$7300.00}, well within the limit of {$7500.00}. Despite this, my account had remained locked. I have attempted to reach out to the customer support team via chat and the mailing system, but the responses I received were inadequate and did not provide any information as to why my account was locked at a time of need. When I called the customer support team, they could not answer my question and I was disconnected on purpose. Than i wrote XXXX about my experience and again they never answered my problem ( Complaint ID # XXXX ). This level of service is unacceptable, and I demand an immediate resolution. I require a detailed explanation as to why my account was locked and why no one could or was willing to answer my issue. I have the chats to prove that they never gave an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Velocity Portfolio Group
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Well upon discovering this entity saying I owe this and that I have asked numerous times for the original certification of indebtedness and they ignore my request to make me believe that this is not my debt anyways Im going to cite this one more time if it is associated with my social its already paid 12 cfr 192 are you ignoring the house joint resolution wow thats a heavy thing and or 2are you selling the securities with the cert of indebtedness either way this smells bad my social is XXXX I dont have the card number cuz I never had knowledge of this

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 2023-10-19
Company: AMERICAN EXPRESS COMPANY
State: GA
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: Investigation took more than 30 days

Complaint:
XXXXXXXX XXXX XXXX, AMEX XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2018 branch associates at Capital One in XXXX New York encouraged me to open a 360 account  with Capital One to access more ATMs. I agreed. I opened the account online. Soon thereafter Capital One froze and locked me out of my online banking account ( ending in XXXX ). I called the technology helpful line between 3 to 5 times, reported the issue and asked that my request for access be restored.. I also wrote to Capital One via its investors relations email on its webpage. I was told by technology that my access would be restored. No access restored and no call back. I had to go to the XXXX New York branch more than once to request printed copy of statements. 
Eventually the lack of online access forced me to close my account. I could not track my debits, credits or liabilities. Till this date, no call from Capital One. I have been a customer for approximately 23 years. Now Capital One has sent me letters regarding a {$130.00} debit. This debit was traceable to Capital One 's breach of federal regulations in locking my account without notice, refusing to restore access and til today not contacting me. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 61XXXX ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2017-06-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On, XX/XX/XXXX, I entered into a retail installment sale contract with XXXX XXXX XXXX XXXX XXXX to finance the purchase of a XX/XX/XXXX XXXX XXXX. As part of the transaction, I purchased Guaranteed Automobile Protection ( GAP ) for {$500.00}. I experienced a total loss on XX/XX/XXXX and notified my casualty insurance company. Per Chrysler Capital, a GAP claim was submitted to the GAP Administrator, XXXX XXXX XXXX XXXX As of today, XXXX XXXX XXXX XXXX has not honored the claim. This has caused me to pay additional interest because my balance has not been reduced by the GAP proceeds and I may also have experienced negative credit reporting. The following is the contact information for XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX XXXX The dealership that sold the GAP may be contacted as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, Georgia XXXX XXXX All required information has been provided to XXXX XXXX XXXX XXXX and I paid the premium through XXXX XXXX XXXX XXXX XXXX. I respectfully request for you to assist me in having my claim processed. Enclosed please find my complaint to the CFPB, Chrysler Capitals response to me and the claim documents provided to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
I was review my credit report yesterday XX/XX/2022 and found a bunch of inquiries that I did not apply for. I reached out to the XXXX credit bureaus, Experian, XXXX and XXXX. Also I tried to format a FTC affidavit and it redirected me to the cfpb. I want to apply for credit and the underwriter informed me that these inquiries are hurting my chances of getting approved

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 2018-05-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX of XXXX, as an incoming college student, first of my siblings to pursue post-secondary education, growing up impoverished, under adverse financial circumstances, I sought a private XXXX XXXX college to seek a professional degree. Needless to say, I didn't have enough funds to pay for any percentage of my tuition. Through merit-based scholarships and federal student financial aid, I still lacked funds to enroll, so I turned to Sallie Mae for a private loan to pay for the expenses I encountered. From the firm, I was awarded with approximately {$6500.00} from Sallie Mae in the Fall of XXXX. After successfully completing my college, becoming a full-time employee, specializing in the work related to my degree, I sought to return for an advanced, XXXX XXXX XXXX, between Spring XXXX XXXX. Although I applied for the deferment of my federal and private loans, I was not given options or sufficient information regarding the repayment of my loan, held by Navient, formerly Sallie Mae. I was betrayed by a firm that pressured me to increase the amount of my repayments.I was deceived by not receiving sufficient contact from Navient, regarding my outstanding balance, in order to inform my repayment options. Since the inception of the loan, I have seen my principal balance double in amount and through consistent, consecutive payments, have just recently reduced this principal to its original amount. Most deceptive is the obscure information provided to me, according to the monthly statements I have received from the firm, indicating that never was there a " minimum payment '' due to Navient, giving me a false sense of security, as I hoped to maintain lower payments. Finally, I am frustrated that I am not afforded with enough transparency, on behalf of Navient, to thoroughly investigate the allocation and distribution of the funds I have provided to repay the loan, in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me, I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are 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

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: EQUIFAX, INC.
State: NJ
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received an email out the blue from PayPal stating my account has been restricted for " fraud '' saying I can not do business with them anymore but stating no reason or where this came from. I have no fraud reports or chargebacks. When I tried to login to my account, it won't let me transfer my money out. I have a resume writing business and these proceeds came from clients booking consultations and one client paying for a recruiter bootcamp. I will not service any clients until I get my money. All the clients who submitted orders will have to reverse with their banks and PayPal will be at fault. Also, this is grounds for a class action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: ARVEST BANK GROUP, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Arvest Bank unfortunately bought my mortgage from XXXX XXXX Bank. 
I escrowed my homeowners but paid my flood in full. I bought my house in XXXX, mortgage was sold to this horrible company the next month. My agent sent them proof of my flood in XXXX. They have to know being a Mortgage or so called Mortgage company that you can not purchase a home in a flood zone without proof of purchasing flood. They forced place flood on me in XXXX, took the payments that I have been sending them and put them in a unapplied account because they raised my mortgage note without me knowing. I was paying my mortgage every month, but since XXXX it was not being applied. They hurt my credit score because now it shows I was 90 days overdue, charged me late fees which they are not reversing. They have the proof after me calling and spending countless time on the phone trying to get it straight BUT still will not fix my credit or reverse late fees knowing I had the Insurance the whole time .... That is what I posted on the XXXX  sight. 

I spoke to several people for months about this. Last person I spoke to was XXXX at XXXX XXXX ext XXXX. Basically giving me a email to dispute the credit, would not reverse fees because they just got the proof in XXXX. I spent so much time on the phone for the last months trying to get this straight. My agent sent the proof in XXXX. This is sooooo horrible to treat customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: NC
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:
XXXX has told me that my dispute was complete and the late payments for XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 was removed from my credit report after completion of a dispute. My credit report had not been updated & I called back and they verified that it was still showing after I was told it was not. They told me someone would all me back within 24 hours and it has been over a week since then. There is a lack of proper communication, no one is able to help, and the customer service has been aweful!

Company response to consumer: Closed with explanation