BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed with Transunion on XXXX about fraudaulent accounts that i discovered on my credit report that has caused detrimental effects to my health and credit. The accounts that I disputed were not authorized by me and I have never under perjury of penalty of the law received any of the services or transactions. I have contacted the creditors and completed all of the procedures needed to prove that I am a victim of Identity theft. I have sent Transunion my FTC affidavit, My dispute letter, identification, and my social security card. The accounts are 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 XXXXXXXX

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 2023-10-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received an escrow analysis report from Select Portfolio Servicing, Inc on XX/XX/XXXX stating I was owed $ XXXX for an Escrow Surplus. 

I failed to receive the check for this amount and called in to claim so end of XX/XX/XXXX. I was told the check was sent but I am doubtful it was. After calling in I was informed the check would be voided and reissued. 

I then proceeded to call roughly once a week throughout XXXX and XXXX as I continued to fail to receive a check. I was told over and over there was no update that could be provided. 

I was finally able to speak to a supervisor on XX/XX/XXXX who informed me an audit had been conducted on my account and an updated amount of $ XXXX was the actual Escrow Surplus which I should expect to receive in the next 3-5 business days.

After still failing to receive a check I called in today XX/XX/XXXX to learn that a check was allegedly sent on XX/XX/XXXX but it was then voided due to an error. 

It is my understanding that an Escrow Surplus is required to be paid within 30 days. Per the original Escrow Analysis I received on XX/XX/XXXX, Select Portfolio Servicing Inc has failed to meet this requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Dear Sir, I had a credit card with Wells Fargo back ending in XXXX which I launched a complaint earlier as well whereas the card was stolen but there was a transaction which I disputed and Wells Fargo got the money back from the merchant but never posted it back to my account and which is effecting my credit in a bad way as the aforesaid card has been over limits for a long period now and which is highly unethical on the financial institution 's part to withhold my personal money to themselves to their personal gain. The amount was approximately {$4200.00} and merchant was XXXX. I shall appreciate intervention and the aforesaid amount to post back and the rest of the disputed amounts to post back on my account which have been collected by the bank on my behalf as this is my hard earned and valuable money and time which I take out to build credit.

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 monetary relief
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Never received card funds was wiped out. 

Filed but denied. 

Claim XXXX XXXX Nevada cash XXXX Last XXXX card number 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 2017-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my credit report and they did n't allow me to because I guess information was different then mine.

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 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been BOA cc customer since XXXX. My existing card did not accrue Rewards, nor have promotions so I asked BOA about a promotion. XX/XX/XXXX I called. The existing card charged 11.49 % interest BOA offered Unlimited 1.5 % Cash Back. No expiration, no fees. 0 % int. for 18 months. BOA sales included rewards on Balance Transfers, and if I spent XXXX, Id receive a {$200.00} cash reward. 

I applied. 

1. Now trying to set up auto pay for the Balance Transfer at 0 % interest,, but in XXXX, XXXX, BOA eliminated the option to autopay equal installments ( 0 % interest for 18 months ). 

2. BOA now says they dont give rewards on the Balance Transfers ( in my case {$5400.00} ). 

So I feel duped. I gave up my low interest cc ( 11.49 % ), as I believed I could get rewards on balance transfer, and I thought I could setup auto pay w. 0 % interest for 18 months, but BOA has eliminated that custom repayment option on their online website! BOA online banking options now limit customers to paying only the minimum due, or the entire balance. 

And get this, BOA advertises custom payments, right under the autopay setup link. I have a screen shot of that advertisement. I feel the promotion for new cards are deceptive and unethical of BOA. Consumers are being duped. I want my old credit card back!

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 2023-04-28
Company: Mandarich Law Group, LLP
State: GA
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:
At the very beginning of the pandemic, I had approximately {$1000.00} per month decrease in net income due to the pandemic. Because of the reduction in income, I reached out to XXXX XXXX XXXX ( XXXX ) to negotiate a lower payment with all of my consumer debtors. All of the companies agreed to do so with the exception of the XXXX XXXX ; also known as XXXX XXXX. I stop making the monthly payments because of the reduction of my income. Approximately, two-three years later, I was served by XXXX XXXX XXXX as a Defendant for an amount {$20000.00}, which is mostly interest and late fees. Attached you will find the following : Payment history from XXXX, the Judgement from XXXX XXXX, the Firm I hired, the Law Firm that purchased the debt, and the Law Firm that filed the debt. 

In closing, all of the debtors received the XXXX XXXX from the Federal Government that they did not have to pay back to the Federal Government. I believe this loan should be fully forgiven because of that. However, I have paid them {$5000.00} as of XXXX XXXX, upon which I believe should be returned to me because of the Law Firm being a recipient of the XXXX Loans. Also attached is a CFPB Judgement against companies that has illegally collected monies for consumers like myself. 

Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion has not removed scores of invalid, unauthorized inquiries. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Transunion databreach, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a 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 2022-03-18
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following inquiries, accounts, and late payment. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Accidentally uploaded the same check twice after being heavily medicated. All accounts where closed because the same check was uploaded. Shallow investigation done. Been a member since XX/XX/XXXX or XX/XX/XXXX. Never had this issue. Was not given an opportunity to provide any information or documentation regarding what happen. Was n't informed the account was closed until after I called and then I received information in the mail. Waited over 90 days to get the funds that were held.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient/sallie mae loan company made illegal charges and did not offer loan repayment plans to me when they bought my loan. They illegally deferred my payments and didn't offer any solutions other than forbearance. My loan has tripled in amount but then they paid me from a settlement in a lawsuit for calling my work and for charging illegal interest and charges. During that time ( XXXX ) I was placed on forbearance at least 7 different times. I was not given options. They harassed me at work until I was put on forbearance with my loans. One advisor also told me they would ruin my life. When they began getting sued they sold my loan to XXXX XXXX/XXXX. They began to garnish my wages. I asked for a hearing to request a stop to garnishment through financial hardship but I was denied. I called XXXX and they refused to give me any information on to why I was denied. They refused to disclose any of the process to denying me. They Garnished over 1100 dollars a month. To get off garnishment they said I must pay another $ XXXX month in addition top garnishment? Meanwhile they destroyed my credit by constantly adding remarks and adding delinquent penalties tip my credit score. I wad getting garnished while they destroyed my credit in addition to that. I can not afford the garnished amount. They gave me no other option. Im going to lose my house. I have a XXXX year old. My bills are over XXXX 4000 month. I was denied by XXXX even after i applied for financial hardship but I've been getting garnished for over 2 years.I can't afford it and i can't get out of garnishment. Plus my student loan amount has increased! Is that legal? Navient made illegal practices and my loan amount has more than doubled but now XXXX is garnishing my wages for it? My loans were federal Perkins loans   and XXXX loans which are possible potential forgiveness loans for XXXX. Im a XXXX but I can not Get forgiven if my wages are being garnished and I am in default. This can't be legal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Paypal Holdings, Inc
State: CT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased 2 giftcards on XXXX  from the store paypal digital gifts, a subsidiary of paypal. 

The cards were both {$100.00} XXXX giftcards on sale for {$95.00}. 
Card # 1 was purchased on XX/XX/XXXX with Order ID XXXX. The XXXX Item number was XXXX and the XXXX transaction ID was XXXX. 

Card # 2 was purchased on XX/XX/XXXX with Order ID XXXX. The XXXX   Item number was XXXX and the XXXX transaction ID was XXXX. 

Emails for both cards were sent to XXXX and were discovered unopened on XX/XX/XXXX. When opened, the emails contain a link that says View My Code. When that link is clicked one is taken to a page on paypal.com/gifts that says the link is no longer valid and states to Call PayPal Customer Service at XXXX. That phone number feeds into an automated loop of paypal info with no live person or system to navigate. 

On XX/XX/XXXX I spoke with paypal customer service. The man who answered stated that NO emails would have ever come from XXXX, that my order number didn't exist, and that there were no transactions that matched my record. His supervisor, XXXX, stated that she could see the order but that they had no way to regenerate the giftcard. 

The item I purchased was an egift card. This was not delivered to me. What was delivered was a link to the item I purchased ( but not the actual item ). There is no mention that that link would expire and no indication that one needed to download the card right away. The terms and conditions linked in that email state that the funds on the card do not expire.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC
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:
This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the three bureaus. This company has failed to provide me with documented evidence as requested. XXXX shows a late payment in XXXX, XXXX reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and XXXX does not show a late payment at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: General Motors Financial Company, Inc.
State: AZ
Product: Credit reporting, credit repair services, 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:
On XX/XX/XXXX an unlawful inquiry showed up on my XXXX credit report from GM FINANCIAL. This inquiry is unlawful because i never authorized it. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, GM FINANCIAL is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have attempted to solve this issue myself. Here is what i did. XX/XX/XXXX i sent a request for removal to GM Financial through certified return receipt mail. The id is : XXXX. This gave the company 10 days from receipt of the letter to respond. XX/XX/XXXX i did not get a response XX/XX/XXXX i have finally had enough time to submit this complaint. I know that the company did receive this request for removal, in which i was very specific about the laws they are breaking, so i ask that you reach out to them and push them to complete the removal of this inquiry. I have provided all documents needed below. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: CURO Intermediate Holdings
State: WV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For one thing they didn't tell me when I took the loan out that there was 300 % interest on this loan. Didn't tell me as you go everyday that the loan grows interest everyday. Also I'm on public assistance. And I only get ssi every month. I can't afford payments of {$300.00} to {$400.00} a month. I tried to explain this but no one wanted to help me when I called. Now it's put agaisist my credit. If I could make a small payment a month I have no problem paying for the money I got but the interest is way too much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: ACIMA CREDIT, LLC
State: PA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2022 {$1600.00} XXXX XXXX XXXX " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.

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