BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX, I mailed a dispute to Transunion showing that their furnisher of bankruptcy XXXX XXXX had removed my bankruptcy from their report and stated that the bankruptcy came back unverifiable. 

Today on XX/XX/XXXX I received a response from Transunion stating that they will not be investigating because they have already done so, even though with the compliant I mailed on XX/XX/XXXX I attached the XXXX XXXX report letter, the part of the XXXX XXXX report that shows the bankruptcies had been deleted. 

Per Transunion own website below XXXX XXXX is the furnisher for bankruptcy before XX/XX/XXXX. 

https : //www.transunion.com/legal/public-records I contacted Transunion at the phone number on their letter received in XX/XX/XXXX at XXXX. I asked to speak to a supervisor. The supervisor XXXX came to the phone and stated just because the furnisher stated the bankruptcy is unverifiable doesnt mean it gets removed from the credit report. Supervisor XXXX also stated that they reviewed my letter on XX/XX/XXXX and decided not to pursue my complaint. 

The USPS Tracking # XXXX State of Maryland XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Case # 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 2022-11-17
Company: WELLS FARGO & COMPANY
State: NJ
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:
The company, Wells Fargo, was not applying payments to the correct account. This caused an overpayment of over {$5000.00}. Over {$9000.00} in total mis applied payments. Wells Fargo is now refusing to provide interest on the money, and they want to continue to hold it while they do another 30 day investigation, after the first 14 day investigation found our missing money. Wells Fargo had no problem accepting the money, but when trying to apply it to the proper account they found difficulty. How is this the consumers problem, if they can not apply a payment, return it. 
In attempting to obtain my money and possible interest, I was met with an extremely XXXX individual XXXX, who did no research on the account and started the conversation with assumptions. 
Had XXXX read the file, he could see this had been escalated an investigation was already completed by XXXX in XXXX office. Wells Fargo had retroactively applied the missing payments and refunded interest due, as they should have. That part was handled. Even if it wasn't the same investigation that needed to be completed, XXXX failed to read account notes and treat me with dignity. XXXX attempted to make me feel like a criminal because Wells Fargo failed to apply the payment to the correct account. He went as far as suggesting I am laundering money. Completely unacceptable situation to put a consumer in for his failing to read a file. He was given the opportunity to apologize and read the file and come back to the line, but he did not think that was needed as he wanted to continue on with ignorance, claiming I am escalating the situation. 
Frankly he is the cause of this complaint, I had worked with Wells Fargo for months until this individual just went to far. 

Side note : If a " new '' 30 day investigation is required to refund my " over payment '' because I could be laundering money, why would they let me spend it on purchases?

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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute with XXXX and Transunion in regards to incorrect items on my credit report for a Chapter XXXX and Chapter XXXX Bankruptcy. I submitted letter from bankruptcy court to credit bureaus indicating they do NOT verify information to credit bureaus. Its against the law and its a violation of invasion of Privacy Act. It has been well over the 45 days and I haven't received any investigation results. I have several items on my account that needs to be removed. 

Chapter XXXX - Bankruptcy Chapter XXXX - Bankruptcy

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 2023-07-21
Company: Prosper Marketplace, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I received a message/alert on my phone that my credit card was reported stolen and the card was closed. I did not report my card as stolen as it was safely in my wallet and hadn't moved. I called the company same day ( Prosper ) to report the incident as a mistake/error in their system and asked for my card to be reactivated. They said they would and to give it 7-10 days. Nothing happened, my card was still showing closed. I called back weekly, every time I was told they were escalating the issue and they would re-open the card. Nothing happened. XXXX came and went. XXXX I saw that they completely removed the CC from my online portal. It said I had no cards with them. I called again the first week in XXXX and asked what to do to find a solution? They said they would re-issue a new CC and mail it to me in XXXX days. It's XX/XX/XXXX and still no card showing online and nothing came in the mail. I called today and they said no replacement card was ever ordered and I need to process a replacement all over again. It's been almost 2 months with no resolution in sight and I'm at a loss with what to do? I haven't been able to use my credit line and I never did anything wrong. The card was paid off and in good standings. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or list of inquiries 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 2023-12-09
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Under the pretense of offering watches, jewelry, and other items, this seller has failed to fulfill orders, leaving me in a predicament after I made a payment of {$220.00} for a watch. Despite more than a week passing since the transaction, the seller has been unable to fulfill the order. Instead of refunding the purchase, they resorted to deception by sending a false product in the maila mere piece of paper. This constitutes a blatant attempt to avoid returning the funds for the unfulfilled order, amounting to clear fraudulent behavior. PayPal is has made no attempts to get my funds back. I have filed complaints and sent pictures, etc. and they continue to drag it out rather than punishing this behavior as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/2021 company was Credit acceptance amount owe XXXX XXXX XXXX I think not for sure. Due to the Covid 19 loss my job couldnt afford the payments anymore. The repo the truck sold it and now its still a balance owe. I cant get another vehicle because this is on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: BANCO POPULAR DE PUERTO RICO
State: AR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a savings account with Popular Direct, a subsidiary of Popular Bank, on XX/XX/XXXX of 2023. I proceeded to fund the account with {$5000.00}, which was well beyond the required {$100.00}. The funds were marked as received on XX/XX/XXXX. On XX/XX/XXXX, I received a letter in the mail, postmarked on XX/XX/XXXX, that informed me that my account would be closed " pursuant to the terms and conditions set forth in the Personal Banking Disclosure and Agreement ''. The letter went on to state that " as of the date of this letter, the total balance in the Account is {$100.00} ''. Not only was the letter postmarked on the same day that I funded the account, but the account balance described in the letter was inaccurate. These facts made me suspicious, so I called Popular Direct 's customer service. I provided my account number and personal information in order to verify ownership of the account. I asked the representative to look into why my account was to be closed. After being placed on hold for approximately 8 minutes, I was informed that my account was being closed and that he could not provide me any information as to why due to " bank policy and security reasons ''. Despite the strange circumstances, I attempted to further understand the reasoning and inquire about the timing for receiving my deposit. He again placed me on hold, and when he returned, he informed me that the closure would be processed on XX/XX/XXXX, and that the money and a letter detailing the closure would not be returned to me until 7-10 business days after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Call Navient as I have paid without missing a payment for more than 10 years. I work with XXXX eligible and ask for loan forgiveness. The request was denied as they indicated that their loans are not forgivable. when I applied years ago, I was told with good none missed payment the loan can be forgiven. The only option offered is to get a % of for auto repayment. Incorrect information given when loan was received via Sallie Mae.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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: Account status incorrect

Complaint:
I am submitting this complaint today against Experian directly. Additionally, please note that I have just submitted complaint # XXXX regarding a different account which too has incorrect information. That issue had a potential work-around ; however, Experian has been re-aging the dates and statuses on a charged off account I have with XXXX. As stated in my previous complaint, Ive been trying to get pre-approved to purchase a new home here in Florida. Per the suggestion and guidance of my loan officer, I had reached out to settle this debt through XXXX. Once completed, my lender ordered a rapid re-score to update the XXXX account as balance settled for less than full amount. What my lender didnt catch from my credit report that was pulled in XXXX was the date Experian had this account listed as being closed and charged off. Attached is a letter dated back from XX/XX/XXXX indicating this account was closed as of XX/XX/XXXX ; however, on XX/XX/XXXX the credit report from my lender stated the account was charged off and closed in XXXX XXXX. Additionally, when he ordered the re-score on the settlement, Experian had the account reported still with a XXXX charged off date and a new closed date. The closed date should not have changed. I reviewed history on my Experian account online to see if there was any sense that I could make of these dates. The oldest report that I had access to was from XX/XX/XXXX. It showed the status as being closed in XX/XX/XXXX through my Experian report dated XX/XX/XXXX. On my report dated XX/XX/XXXX, the closed date changed again to XX/XX/XXXX. At this point, my account was about to be charged off. On my XX/XX/XXXX Experian report, the account was reflecting as being charged off and the closed date appears to have changed yet again to XX/XX/XXXX and then back to XX/XX/XXXX on my XX/XX/XXXX Experian report. This changed back and forth monthly an additional eight times, either XXXX or XXXX from XX/XX/XXXX through XX/XX/XXXX where the final close date reported was XX/XX/XXXX. Then on my XX/XX/XXXX report, the new closed date became XX/XX/XXXX and on both my Experian credit report and the credit report pulled by my loan officer the closed day was reporting the previously mentioned XX/XX/XXXX date. Again, my credit was pulled XX/XX/XXXX since I had completed the items requested by my lender. Here, the new closed date was XX/XX/XXXX and still had a charged off date showing XX/XX/XXXX. As mentioned in my attached previous complaint, the dates that have been irresponsibly and habitually changed has halted any further ability to move forward since this matter will not allow me to qualify for a manual underwrite.

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 2023-07-21
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I want informed that I was able to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made 2 separate {$10000.00} charges to XXXX XXXX XXXX for legal services in XX/XX/XXXX and XX/XX/XXXX of XXXX. Following over 2 months of no communication from this office, in XXXX the attorney informed me they would no longer be able to provide the promised services and my retainer would be refunded. Another month passed and my refund was still not not issued, so I filed a dispute with Chase on XX/XX/XXXX. Chase acknowledged the dispute the next day and requested additional information on XX/XX/XXXX which I promptly provided by XX/XX/XXXX. In the meantime, XXXX XXXX XXXX called and bullied to threaten that if I did not drop the dispute, I would never get my retainer back. 

I then called Chase 3 times between XX/XX/XXXX and XX/XX/XXXX for updates as I had zero communication regarding my dispute following the XX/XX/XXXX notice. I was told that the dispute would be resolved by XX/XX/XXXX. 

I called again XX/XX/XXXX as I had still not received any notice of resolution after over 110 days. I was told over the phone that my dispute was denied and that the {$20000.00} will be reapplied to my credit card balance on the XXXX. I was told by one agent that the reason my dispute was denied was because I was issued a refund by the vendor ( which isn't true ) and another agent said that the vendor was able to provide proof of services ( impossible XXXX XXXX XXXX are the ones who ended the engagement before it began b/c XXXX XXXX lacked the necessary legal skill to take the case ). 

At this point I will be forced to pay chase {$20000.00} for services I never received and they have allowed XXXX XXXX XXXX to bully and steal money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Atlanticus Services Corporation
State: FL
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:
Fortiva a creditor has failed to correct inaccurate information in the remarks on the XXXX and XXXX credit report. It has been a merry go round with letters stating on Fortiva behalf that this would be corrected and it has not been done so with no end in sight. The fraudulent information reported by creditor is that account was closed at consumer request which is absolutely not true because the file has ok from XX/XX/XXXX thru XX/XX/XXXX paid as agreed with no closed mark in any month so therefore information they continue to inaccuratly has done harm to my credit and I have legal right to clear the error. They reported my account open and closed for 6 months last year playing games with my credit. This is turning into serious legal issue. If it is not corrected I will be seeking legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I reached out to Transunion on XX/XX/XXXX and again 45 days later. They are refusing to remove these inquiries from my credit report. I want them removed immediately.

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 2023-02-13
Company: EQUIFAX, INC.
State: IL
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:
please remove the XXXX XXXXXXXX account because it wrong 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Under section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2019-02-27
Company: Experian Information Solutions Inc.
State: NY
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 to report that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # 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 2019-01-22
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I entered into an agreement with American Express credit cards on XX/XX/2018, responding to an offer of XXXX Delta Sky Miles to agree to obtain a credit card with American Express and spend {$3000.00} within the first 4 months of opening the account. The credit card was obtained XX/XX/2018 and the required spending of {$3000.00} was met on XX/XX/2018, however, American Express has not honored the terms of the agreement and I have not been granted the XXXX Delta Sky Miles as of the writing of this complaint XX/XX/2018. I have contacted American Express about this issue and was told that they have decided not to honor our agreement based on my relationship with them. Additionally, I have asked for a transcript of the conversation stating that I was being denied the bonus, and this request has been denied also. I am asking for assistance in resolving this matter and holding American Express responsible for adhering to the terms of our agreement. American Express is stating that I was denied the bonus upon application, however, this is did not happen. I have a dated screenshot of the credit offer I applied for and was approved for. This screenshot has been attached.

Company response to consumer: Closed with explanation