BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 
XXXX XXXX XXXX XXXX XXXX XXXX card services XXXX, XXXX card services XXXX, XXXX financial account : XXXX, 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 XXXX 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 the information is inaccurate. 

Under pandemic, and natural disasters they failed to provide relief or subsidy payments.

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 2023-05-01
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX and XX/XX/XXXX i submitted 5 cash app payments through cash app for XXXX the company I submitted it to turned out to be a fraudulent company. It is called the XXXX XXXX owned by a scammer named XXXX XXXX. I reached out to my bank XXXX XXXX they issued me a refund for the XXXX recognizing the fraudulent company However they recanted the refund and told me to get the refund from cash app because this is a third party situation. I reached out to cash app several times. I called and the rude customer service rep hung up when I told her I could not hear her. I have asked for Cas app to open an investigation against this company to reach out to them to do what it takes to get my money back and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I contacted affirm on XX/XX/XXXX XXXX around XXXX cst due to my refund issued 4 days ago from XXXX not being processed. 

I notice this company does not update refunds promptly, as I had to click in the app to contest a previous refund. 

Along with this, the app ( and I have screenshot ) is showing I have a balance of XXXX as of today from XXXX. The person I spoke to on the phone said I had XXXX loans outstanding in the amount of ~ {$4500.00}. 

As a consumer, I need to see how much I owe! This is not acceptable that there is such a large descrepency in what I'm seeing on the website/app and what the phone clerk are saying. Please hold them payment processors accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: CA
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:
My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX | DOB : XX/XX/XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract as well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on itas well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 




I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraud on my account via XXXX, two transactions for {$3500.00} each. The first transfer was on XX/XX/2022 and then again on XX/XX/2022. The bank gave me the money back temporarily, but then removed the funds again after their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, I was mislead by a XXXX XXXX in my local area. They advertise on their website a XXXX monthly membership and I was never provided with a physical or digital contract. They have several complaints against them in the form of online reviews about their deceptive and unreasonable tactics that force people to stay in contracts against their will and their customer service refused to respond to me until I threatened to go to the XXXX. They refuse to cancel my membership though they falsely advertised a XXXX monthly plan and there was no contract provided to me stating this was an annual contract that also has hidden fees ( some customers paid XXXX in hidden fees, I was charged XXXX so the amount seems arbitrary ) .Many customers and myself believe these tactics may warrant further investigation into possible fraud. I have attached the contract they say I am allegedly obligated to, which was printed and populated with my information, but never signed or presented to me at the time of registration. They deliberately make it virtually impossible to cancel, requiring certified mail within exactly XXXX  months of initial registration- in which case they will charge for XXXX calendar months. If this is not sent in that exact time frame they sign you up for another XXXX months. The sentiment online with over XXXX XXXX XXXX is that this company is fradulent and intentionally coerces people into continuing payment to them long after no longer using their services. I lost my debit card in XXXX and sent an email to cancel my membership and got no response to customer service. They sent a collections for XXXX ( XXXX x XXXX XXXX  a month should be XXXX ) and refuse to cancel my plan. I want my membership cancelled and I do not feel like I should be required to pay that amount because I sent an email to customer service about cancellation and was never informed of the terms and I have not used the services since XXXX XXXX XXXX. Many customers have had this experience and have been coerced and XXXX XXXX  into paying these hidden fees and forced into never ending monthly payment by this XXXX Their website does not list these terms anywhere digitally and the contract is never presented in person either. 

They have XXXX XXXX star XXXX  reviews and XXXX complaints in the last XXXX years and have aXXXX XXXX XXXX 
XXXX XXXX XXXX On top of my personal resolution, I think this company may warrant a fraud investigation. There are multiple reports of them intentionally not cancelling memberships and lying and providing to give information to customers about the terms of membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my 18th complaint against Select Portfolio Servicing ( SPS ). SPS never mails RESPA complaint monthly mortgage statement on time always after each month ( 30/35 days late ). For example, I have not received XX/XX/XXXX mortgage statement, even after paying the XXXX mortgage on XX/XX/XXXX. This corporation sends a copy to CFPB, showing how they are complaint on everything. SPS sends very much delayed monthly mortgage statement with an intention that consumer will not know how much to really to pay every month ( as principal gets reduced - interest amount is also reduced ), so that SPS can illegally foreclose consumers home. But if CFPB opens an in-depth investigation into SPSs practices ; CFPB will find ( as other consumers found out ) that SPS is NOTHING but a XXXX, so say the least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 explanation
Consumer complaint received 2017-05-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When  XXXX   XXXX  let navient take over the loans..  XXXX  was navient and the other was navient/ dept of education..  XXXX  different loans both has the same account number. I send the payment to both at the same time every month. I pulled up my loan payment on both and see where one is paid on the day it should have but the other is held until a day later and the late fee is applied. This has happened multiple times and when I call it is difficult to explain which account I am calling about because they both have the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The account in question is reporting different on all three credit Bureaus. The information is inaccurate and the debt has been reporting for 7+ years and causing me to not receive credit approvals. I am stuck with denial after denial. 

Account ( s ) in question are : XXXX XXXX XXXX XXXX - Closed - Debt Charged of and then I paid Debt Settled to delete. Never happened. 
Transunion Acct # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( Date of First Delinquency XX/XX/2016 ) still reporting negative and preventing me from getting new credit. 

XXXX # XXXX- Still reporting negative to date. 


XXXX XXXX XXXX - Closed - Debt Charged off and then I Paid to settle debt owed and was lied to by rep that it would be a pay to delete. After payment never deleted and now XXXX doesn't do paid for delete. 

This should be illegal get money or tax write off for charge off, lie about settlement pay to delete and the credit bureaus are still reporting negative 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 non-monetary relief
Consumer complaint received 2017-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A charge appeared on my Statement ending  X/X/17    for {$65.00} dated  X/XX/17    from  XXXX . I did not make this charge.  XXXX  is not my cellular carrier and I have had the same mobile carrier (  XXXX   XXXX   XXXX  ) for 2 years. I did not buy anything or use any service from  XXXX .     I filed a dispute for the charge upon receiving my statement, which  Capital One a cknowledged. They removed the charge from my bill, and then  two  months later added it back. Capital One did not supply evidence of the validity of the charge nor did they even bother to ask  XXXX  to verify or substantiate the charge. They simply added it back to my statement. I should note that this is the 3rd time in 5 years tha t Capital One  has violated the FCRA in failing to research a disputed/fraudulent charge on my card.     I have continued to pay my bill in full minus {$65.00}, however now  Capital One i s charging me interest on the unpaid portion which derives from the {$65.00} charge they added back.     I wrote  Capital One  a letter again reiterating that I did not make this charge and if they insist it is mine, simply provide proof from  XXXX . They acknowledged my letter but 2 months have passed and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX is a debt collection compnay who is collecting on the behalf of XXXX XXXX. They sent a letter in the mail to me on XXXX stating that I owe a debt of XXXX dollars to XXXX XXXX. They did not give me a chance to research this information or to respond to their letter. In fact the next week on XXXX they reported to the credit beaureu that I had a collection on my record. This negative remark on my credit report has hendered me from being approved for a mortgage and damaged my credit score. I was not aware of this debt and I was not given enough information to verify the debt is even really 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 2023-05-01
Company: EQUIFAX, INC.
State: GA
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:
The account in question is reporting different on all three credit Bureaus. The information is inaccurate and the debt has been reporting for 7+ years and causing me to not receive credit approvals. I am stuck with denial after denial.

Account ( s ) in question are : XXXX XXXX XXXX XXXX - Closed - Debt Charged of and then I paid Debt Settled to delete. Never happened. 
XXXX Acct # XXXX Equifax Acct # XXXX XXXXXXXX ( Date of First Delinquency XX/XX/2016 ) still reporting negative and preventing me from getting new credit. 

XXXX # XXXX- Still reporting negative to date. 


XXXX XXXX XXXX - Closed - Debt Charged off and then I Paid to settle debt owed and was lied to by rep that it would be a pay to delete. After payment never deleted and now XXXX doesn't do paid for delete. 

This should be illegal get money or tax write off for charge off, lie about settlement pay to delete and the credit bureaus are still reporting negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 recently disputed the following accounts and the credit agencies, Transunion, XXXX, and XXXX, came back stating accounts been verified, Now I'm requesting a Method Of Verification with all supporting documents as stated in the laws of FCRA, please provide me with all the information governing these accounts or delete/ block them from my credit report. ( 1 ) XXXX XXXX {$9500.00} ( 2 ) XXXX XXXX XXXX {$5400.00}, ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX XXXX ( XX/XX/2016 )

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 2023-11-17
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Closed on the sale of my home in XX/XX/2023. This was a short sale negotiated by a third-party company, the XXXX XXXX XXXX The loan administrator, Shellpoint, was not open to negotiating a payoff amount that was sufficient to meet my requirements. 
As a compromise, the third-party negotiator made an agreement on my behalf with Shellpoint to endorse an insurance check for damage to the home ( check made out to me and Shellpoint ) and allow me to keep the funds. This was verbally negotiated via my realtor, the third-party negotiator, and me. 
After closing, as agreed previously, I mailed the unendorsed check to Shellpoint, with the understanding that they would endorse it and mail it back to me. When I called to check on the status after several weeks, they said it was on its way to me, and I should receive it in XXXX days. This was in XXXX. 
I never received the check. After numerous attempts to determine what had happened to the check, Shellpoint finally disclosed that they had deposited the check into their account without my endorsement, stating that it was an offset on the short sale and that they were keeping the money. 
I obtained a copy of the deposited check from my insurance company. It clearly states on the back of the check that it must be endorsed by all parties. Shellpoint had not obtained my endorsement and had, in fact, simply stamped the back and sent it through. 
Neither Shellpoint nor the XXXX XXXX will acknowledge that there was an agreement. In fact, the negotiator at XXXX XXXX, when questioned by his supervisor about the agreement, denied that he made such an arrangement. 
I have emails indicating his awareness and his willingness to reach out to Shellpoint when I told him what they had done. 
I don't know which avenue to pursue from here. My realtor, who was aware of and participated in the negotiation, has attempted to reach the supervisor at XXXX XXXX, who has not responded. 
I think that the bank that accepted the check without proper endorsement might have committed some violation. I am not sure about Shellpoint or XXXX XXXX, since it was a verbal agreement. As I previously stated, my realtor was a witness to the verbal agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Venmo changed their terms. They are attempting to bypass judicial review of issues including barring users from joining class action lawsuits. They allow users to opt out only by printing and mailing in a form. 

Form : XXXX XXXX XXXX XXXX causing this issue : Affects your and our rights and will impact how claims between you and us are resolved, including your and our agreement to waive the right to trial by jury. 

Includes a Prohibition of Class and Representative Actions and Non-Individualized Relief pursuant to which you agree to waive your right to participate in a class action lawsuit against us. 

Requires you to follow the Opt-Out Procedure to opt-out of the Agreement to Arbitrate by mailing us a written notice. If you are a new user, the opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time. 

If you are a current Venmo user and previously accepted the User Agreement prior to the introduction of this Agreement to Arbitrate on XX/XX/2022, the opt-out notice must be postmarked no later than XX/XX/2022.

Company response to consumer: Closed with explanation