BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: TRANSWORLD SYSTEMS INC
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:
Summary of complaint : XXXX XXXX XXXX XXXX ( lender ) has demonstrated opaque, unfair, and unethical policies towards international student loan borrowers by denying them the right to seek refinancing of their loans and refusing the release of co-borrowers. 

Description : 1 ) I have an international student loan under repayment from the lender ( taken in 2011 ). Even though I am not in the US, I have been making regular payments towards the loan and have never defaulted. 

2 ) Over the past 2 years, though there has been a significant reduction in the student loan interest rates, the lender is still charging me 5.5 % APR. In spite of making multiple requests to the lender to refinance my loan at the reduced interest rates, I am being denied the right to do so. 

3 ) The lender claims that they can not refinance international student loans where borrowers do not meet the requirements of a current US address. However, they seemed it perfectly ok to grant me the original loan in 2011 even though I did not have a US address at that time. This opaqueness of policy and loan terms is grossly unfair and unethical towards international student loan borrowers. 

4 ) As a result of the lender 's refusal to refinance my loan, I am having to bear an additional interest burden of over {$30000.00}. In my view, this practice of denying refinancing to international student loan borrowers is extremely unfair and in gross violation of consumer protection rights. 

5 ) As an international student loan borrower, the lender has also refused my request for the release of my co-borrower without giving any proper reason or justification. 

6 ) Over the past 2 years, I have made multiple phone calls and written multiple times to the lender escalating the above issues and request resolution. However, they have flatly refused to honor my request, citing opaque policy reasons. 

7 ) The lender has also cited that provisions and terms mentioned in the loan promissory note prohibit them from refinancing the loan to international borrowers. However, this is blatantly false as there are no such terms mentioned in the promissory note. 

8 ) I thus wish to bring the above unfair and unethical practices of the lender to the attention of CFPB for redressal and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/, my statement balance was {$67.00}. This was paid in full. On XX/XX/, my statement balance was {$740.00}, of which {$11.00} was " interest charges '' based on a balance of {$460.00}. How this makes any sense is beyond my comprehension, and now, I feel the need to go through every single line item on my statement going forward. This is highly deceptive conduct. This is not based on the interest charged, but my concern is that this " error '' may be widespread and may be affecting millions of other account holders that allow the company to scrap up revenues that likely would pose high regulatory concerns here. I have attached both my XXXX and XXXX statements for ease of reference.

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 2023-01-24
Company: Johnson Mark LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a Default Judgment/Cause No. XXXX ( original case number XXXX ) entered on XX/XX/XXXX, from the court of Judge XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX I never received a citation or notice. I contacted XXXX XXXX 's @ ( XXXX ) XXXX attorney at law to ask if they had received any form of notice about this default, and XXXX XXXX said, " I don't know. '' They no longer are representing me as of XX/XX/XXXX and XX/XX/XXXX. They never kept me updated about case number : XXXX, which is the same case related to Cause No. XXXX. I spoke with XXXX XXXX from Johnson Mark LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, email : XXXX with telephone number ( XXXX ) XXXX. I informed her that I never received a citation and no one took my picture signing a citation being served I asked for copies to submit to the court to let XXXX XXXX XXXX know that she is now involved in a fraudulent signature and forgery because I never signed a citation on XX/XX/XXXX, and no one took my picture signing a citation. he said it was served to me on XX/XX/XXXX, which she said I signed and the person took my picture signing the citation. That is a flat-out lie! She sent a dispute out today to the XXXX XXXX XXXX and hung up on me before she answered how long the dispute might take. Finally, I called her back and she had no idea how long the dispute would take to complete. I understand Johnson Mark LLC is known for damaging people to the max. That's fine! As a senior citizen living off a monthly social security payment, I have learned my rights according to SSR 79-4 : Section 207. Time is not on my side and I do not trust waiting for XXXX XXXX with Johnson Mark LLC to keep me waiting without providing me a time frame with this ill-issued Default Judgment. According to all the comments, that I have reviewed... I am not able to trust them. They have involved a judge with a forged signature. This is wrong on many layers and levels. I need a copy of the citation, signature, and photo that was taken to present to my legal representative ASAP! By the sound of her voice XXXX XXXX was ready to release her force towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I recently did a observation of my own involving my consumer report and I found inaccurate, unverifiable, unauthorized and questionable items on my consumer report.Each credit reporting agency must make sure they are reporting 100 % accurate by law.Equifax, XXXX, and XXXX are in violation of my consumer rights as they have inaccurate, unverifiable, and unauthorized items on my consumer report as they have items that on my report that dont match up with the other bureaus consumer reports of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I would like the trade line from XXXX XXXX XXXX to be deleted as it has been paid in full.

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 2023-04-17
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX and experian is furnishing creditor : XXXX a balance of XXXX shows derogatory marks when i have already resolved this with " XXXX XXXX XXXX  '' the problem came when they furnished the same derogatory marks twice in essence they had the same bill twice and it totaled XXXX now sinc they only took one off its still reporting incorrectly i also have proof from XXXX XXXX XXXX aka XXXX look at the attachments

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 2023-04-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date opened XXXX XXXX XXXX  Balance : {$76000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-03-29
Company: Payfare International Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was charged {$150.00} on XX/XX/2023 and {$50.00} on XX/XX/2023. These were charges for incidentals at the XXXX. These were supposed to be returned within 7-10 business days and I have spoken to my bank and they assured me the funds would be released on XX/XX/2023 for the {$150.00} charge and XX/XX/2023 for the {$50.00} charge. The hotel claims they already released my funds. However they still remain as pending charges on my account. I have called their corporate office XX/XX/2023 and I was supposed to hear back on XX/XX/2023. I called again and was told to wait until XX/XX/2023 for a response and still nothing. The accounting manager emailed me saying he can not help me they have no access to my account. The fact is the XXXX is still holding my {$200.00} until XX/XX/2023. This is beyond a 7-10 business days policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Account name : # XXXX XXXX XXXX XXXXXXXX, XXXX {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. 
Account name : #, XXXX Number XX/XX/XXXX Account name : # XXXX XXXX XX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} has violated my rights. 

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 adverse item of information, other than records of convictions of crimes which 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.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: IL
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:
I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in in XX/XX/. There was an error on their part. I was never 30 days late.

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 2021-10-05
Company: Experian Information Solutions Inc.
State: IL
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 have been disputing directly with the credit bureaus, as well as with the original creditor on the way a charge off is being reported on my credit profile.The charge off is from a voluntary repossession. The account reported has multiple inaccuracies and inconsistencies that Violate my rights as a consumer. The way this has been reported improperly on my credit profile for the past 2 years, has hurt my ability to obtain new credit. I requested removal of this account after I noticed that the balance was factually incorrect. I asked the credit bureaus to complete a full investigation of the true balance of this account, everything came back as Verified, and my dispute was closed. I asked the original creditor to send me documents that support the balance that they are reporting, because I had gap coverage for this vehicle in my contract, furthermore the vehicle was sold at Auction in XXXX and I asked them to furnish me the receipt of sale. The creditor responded saying ( In Writing ) They had no way to alternate the way they report, and any discrepancies should be filed with the Credit Bureaus to dispute. I then went back to the Credit Bureaus and disputed the account ( this time with proof attached ) due to inaccurate monthly payment. The account has been closed for 2 years, but still shows a monthly payment due of XXXX XXXX The results came back as Verified, no changes were made, My dispute was closed. I even disputed online and attached proof to the dispute that my Term Length and being reported inconsistently between the 3 Bureaus, XXXX shows Monthly, Experian-48 months, and XXXX-bi-weekly. 
Still no changes were made. In fact, a credit dispute specialist Modified my dispute 's reason, so they would not have to reopen the investigation in light of the new information given. ( I have proof of this ). 
The credit Bureaus have failed to do a thorough and reasonable investigation, and simply parrot information from the Original Creditor. Even though, the Original Credit has been reporting inconsistently between them, and Inaccurate Information.

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 2023-06-23
Company: Levy & Associates, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2023 I received a debt collection statement from Levy & Associates. ( attachment 1 ) I responded with a request for more information to verify the debt ( attachment 2 ). On XXXX XXXX I received a packet ( attachment XXXX ) in the mail from Levy & Associates in the mail with two card statements included along with an XXXX consumer Employment and Income report for a XXXX XXXX that includes this persons last XXXX of their social security number and their date of birth. It also included a screen shot for XXXX XXXX showing that XXXX XXXX was setting up direct deposit as well as XXXX XXXX pay check stub. To make matters even more concerning The final page of the packet that Levy and Associates sent me included a photo copy of XXXX XXXX 's photo ID including Drivers license number and full address. 
I have attempted to contact Levy & associates to discuss this extreme error and they would not discuss because I would not confirm my address or my social security number so they disconnected tthe call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Wells Fargo called me about my account is being closed to due to a wire recall request by XXXX XXXX. 

They claimed that the wire was credited into my account which has a surplus in it even if the wire were to be deducted. 

XXXX agreed that the wire did come into the right account and cancelled the recall request on XXXX. 

XXXX closed the account and sent me my check for the funds that remained in the said account. 

Wells Fargo for the last 12 WEEKS has held these funds hostage stating we are waiting for the wire originating bank to send back the funds when I have sent them letter from XXXX stating that these funds are indeed mine and were credited correctly. 

This is unacceptable and illegal, I have asked 6 times with the CFPB to close the account and send me my funds, I have bills to pay and have now fallen behind on payments due to this. 

When I spoke to the Executive office staff they stated get the wire recall cancelled and we can close this immediately which was false, as I called to notify them of this and was given the run around 5 weeks ago! 

Also Wells Fargo keeps sending me messages like currently where my account is to be closed by the expected date of XX/XX/XXXX. Which we are now past that. 

Wells Fargo has done to me what they have continuously done to their clients and customers. 

The account number for this account is XXXX. 

Also I received a letter from XXXX XXXX a paralegal employed by Wells Fargo for a authorization to DEBIT my account the {$60000.00} which was the amount of the wires and I signed the papers and returned them, that was 3 weeks ago and no debit has occurred and the account is still not closed.

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 2021-10-05
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, Venmo permanently deactivated my account due to unspecified " violation ( s ) of the User Agreement. '' At the time, my Venmo account had a {$310.00} balance. In the email notifying me about my account deactivation, Venmo also told me that they would hold my {$310.00} balance for up to 6 months, and potentially never return them to me. I appealed this decision via email on XX/XX/XXXX, and again on XX/XX/XXXX, but each time Venmo refused to return my money or cite any reason for Venmo 's actions. 

Venmo claims that their terms allow them to seize users ' account balances, keep them indefinitely, and never offer any explanation, appeals process, or recourse of any kind. If this practice is legal, hiding a provision of this magnitude in the T & C ( which users don't read ), is intentionally deceptive. If users knew of this policy, most people would not use Venmo. Under this policy, users funds are not safe on Venmo. Venmo offers debit cards, and clearly intends for consumers to use their app just as they would a checking account. 

I am not aware of any bank that is allowed to arbitrarily seize account holders ' funds, and Venmo clearly wishes to reap the monetary benefits of banking services while avoiding all of the consumer protections associated with conventional bank accounts. A cursory XXXX search shows that many other Venmo users have faced the same unexplained account closure and balance theft that I am currently dealing with. I am a graduate student with no regular income ; losing {$310.00} is a big deal for me, as it would be for most other people. In short, I am asking that the CFPB take steps to compel Venmo to give me my money back, and prevent them from doing this to others in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
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:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation