BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM XXXX YEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER 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 2021-12-03
Company: Direct Recovery Services, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX and direct recovery services repeatedly contacted a third party by text in reference to my account. They contacted me as well. But they texted the third party details abt my account status through text. They had my phone, email, and address the entire time. I expressed to them on at least 7 occasions that they were texting my account info to the wrong person. I expressed this by email, text, and verbally. They continued to ignore my requests to remove the third partys info. I know they can leave messages with third parties.. but they are not supposed to give out my account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support Team, I am writing to submit a complaint regarding the permanent limitation that was recently placed on my PayPal account, registered under the email address XXXX. I strongly believe that this limitation was placed by mistake, and I would like to request that you re-investigate my case and restore my account if possible. 

I want to emphasize that I have not violated any PayPal policy or engaged in any fraudulent activities. I have always used my account for legitimate transactions, and I have always complied with PayPal 's terms and conditions. Therefore, I am very concerned about the limitation that has been placed on my account. 

I believe that there may have been a misunderstanding or mistake in the review process, and I would like to request that you take a closer look at my account history and transaction records. I am confident that this will demonstrate my compliance with PayPal 's policies and show that the limitation was not justified. 

I understand that PayPal has a responsibility to protect its customers and prevent fraud, but I urge you to carefully consider my case and recognize that I have not violated any policies. I kindly request that you re-evaluate my account and lift the limitation as soon as possible. 

Thank you for your attention to this matter. I hope to receive a positive resolution from PayPal soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: VA
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:
Debt was transfered from one servicer to another and late payments due to deferment information not being sent to correct address because I moved to a different state still shows on new creditor

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 2018-08-29
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: Credit inquiries on your report that you don't recognize

Complaint:
All three credit reporting agency show hard inquiries I didnt apply for and they said they dont care I said its Identity theft and here 's the report they said they wont accept it I have proof from XXXX From them my information was compromised in the data breach they said they dont care. I have a id theft report they refused to use I mailed it to them they opened it then returned it saying the will not except this id theft report and all three credit reporting agencies have been sent these reports before 5 times, and they didnt care and there is more then the hard inquiries I my form that are on report due to id theft. 
And here is the proof of the if theft report you requested again for the 4 time everything on this complaint shows proof of identity you requested

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 2023-03-25
Company: FIRST HORIZON BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am having problems with the First Horizon Bank, who I have been a loyal customer for years, even after they have been bought out multiple times. 

I was not able to get into my account through XXXX because they changed how their login works, tying it to an old phone number to be able to login in that I no longer had access to. 

And was unable to check my balance and made me overdraft multiple times, with the the first being one of XXXX XXXX and then if spiraled to the total amount of XXXX XXXX 

I called them on XX/XX/XXXX to finally fix this problem and noticed how much they were charging me on overdraws. On XX/XX/XXXX they refused to refund/cancel the all of the fees. It feels like they are stealing money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: SANTANDER HOLDINGS USA, INC.
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance company paid the debt to Santander Bank and someone called me to verify the account and payment. I am no longer responsible for any debt and collection agency received notice to provide proof of my signatures with in 45 days of receiving notorized letters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This complaint is with Credit Acceptance Hello. I am aware of my full balance due on my vehicle. The remaining balance as well as the pay off quote is way more than what the original price of the vehicle was, which was around $ XXXX. My vehicle has over XXXX in miles, I pay 21 % in interest which is absurd. I have already paid over XXXX so far, it's no reason for my pay off quote to be over XXXX. I am really having a hard time paying such a high car note. My XXXX  car note is XXXX XXXX I need for my contract to be changed. Or at least the amount to change so I can pay it off sooner. The remaining balance is over XXXX to pay and they won't do nothing to help. I called multiple times and no one helps.

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 2020-03-17
Company: Aspen Yo LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
-Since the mortgage was transferred from XXXX , XXXX XXXX , Florida ( also reporting late payments to the credit bureaus while the case still was in court. I have paid for late fees totally out of my control as a customer. 
- Gregory Funding, LLC charged me fees for delays in the transfer of the mortgage paper work from XXXX to them. 
I had experienced rude and unprofessional behavior/attention even arguments with the customer representatives. They talk and act as you " the customer '' own them something. Customer Representatives answer to simple questions without " clarity '' and " transparency ''. These abusive acts and unfair practices such as paying for fees out of my control during the transfer process of my mortgage between XXXX to Gregory Funding. 
- Latest incidents : Since XX/XX/2020 until today, Tuesday, XX/XX/2020 I have been faxing and calling Gregory Funding, LLC to please submit a " Pay Off " letter to the XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX -- XXXX. 
( Contact person : MS. XXXX XXXX, Loan Manager ). -  Faxed twice last fax : dated XX/XX/2020. -The Credit Union Processor and the Mortgage Loan Manager contacted Gregory Funding , LL 3 times to get the " Pay Off '' letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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, this creditor ( Account name XXXX XXXXXXXX Account number XXXX ) has violated my rights under 15USC1681 Section 602 states that I have the right to privacy. 15USC 1681 604 ( a ) Section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-04-01
Company: Source Receivables Management LLC
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:
Back in XXXX or XXXX of 2022  I reached out to all 3 credit bureaus plus the creditors WHICH are XXXX XXXX XXXX, SOURCE RECEIVEABLE MANAGEMENT, AND XXXX XXXX XXXX. I Sent a debt of validation letter from all 3 companies plus from XXXX, XXXX, and XXXX and all 6 companies failed to send me a letter with my wet signature or anything of that matter to prove that these accounts were mine. They failed to do so. Per 15 usc 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' So because you all failed to follow the procedure and legal steps these accounts legally have to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
My issues are two-fold. 

1. I applied for an American Express delta card to use the benefits and receive the XXXX airline bonus. I applied on XX/XX/XXXX and I had to spend $ XXXX in 3 months. This ended on XX/XX/XXXX, and I met the spending limit. I inquired on XX/XX/XXXX as to where the bonus miles were. I was told it would take 8-12 weeks after the review and the end of the billing period of XX/XX/XXXX, which would mean they should be applied by XX/XX/XXXX. I followed up again on XX/XX/XXXX and the American Express agent told me the same thing, the account is under review and it would take 8-12 weeks again. It is XX/XX/XXXX and there is still no action from American Express. 
2. I believe that they have their system set up to stop you from enrolling in automatic payments so they can collect late fees and interest charges. I can not prove it because their " system '' is the only tracking but I set up for automatic payments on XX/XX/XXXX. I put in my bank information, etc but it did not take on their side for some reason. I was issued a late fee and interest. I inquired on XX/XX/XXXX and I was told that, despite my setting it up it was " never turned on '' on their side. I can not prove it because it was all on their app, but why would I enroll in my bank account, etc? I am still getting " trailing interest charges '' this month, despite my insistence that they messed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo is not a Customer Friendly Bank. I am an older person, and I utilize a tablet for all my online business. As it works best for me. I can not download on my tablet relevant to attachments. I have made Wells Fargo well aware of this through countless phone calls, Emails, letters, and complaints. I have talked to many, many, departments. Yet, I feel out of spite, they continue to send me attachments from the bank, and they answer formal complaints with attachments, when they know that I can not download attachments. They will not honor my requests to mail anything that includes an attachment. I have been dealing with identity theft since XXXX XXXX, which includes 2-3 hours daily of monitoring. And for this reason, I do not want friends and such to download these attachments which seem to always come from Wells Fargo for some STRANGE reason.!!

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 2023-04-12
Company: EQUIFAX, INC.
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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/accounts/information below : XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$11000.00}. 

This complaint is my follow-up to ensure that the listed accounts are investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
-- In   XX/XX/XXXX   the balance due on my   XXXX    XXXX  Credit Card ( billed b y Comenity Capitol Bank )  was {$250.00} and the minimum amount due was {$25.00}. The minimum amount due remained {$25.00} for   XX/XX/XXXX  ,   XX/XX/XXXX  , and for   XX/XX/XXXX ,  XX/XX/XXXX  a nd  XX/XX/XXXX  as the account balance continued to go down each month until it was {$140.00} by  XX/XX/XXXX .     -- So, beginning in  XX/XX/XXXX , believing the {$25.00} would be my monthly payment for the remainder of the balance, I decided to set up an auto payment. I did not plan to use the card or buy anything else as I had recently retired and wanted to pay down the bill. So I set up an auto payment on the account to be paid from my bank for {$25.00} each month by the due date, beginning  XX/XX/XXXX . I had not made and continued to not make any more purchases on this account. However, even though my account balance continued to go down each month from  XX/XX/XXXX  thru  XX/XX/XXXX , in  XX/XX/XXXX , with the account balance now being {$130.00}, they raised the minimum amount due to {$27.00}. Not expecting this as my balance had not gone up, and I had made no more purchases, ( and had on ly one  " fee charged '' -- {$27.0 0} ) m y auto payments remained the same -- {$25.00}.     -- However, because I was now, ( beginning in  XX/XX/XXXX   ), p aying {$2.00} under the minimum due I began to incur {$27.00} " late fees '' each month beginning in  XX/XX/XXXX  and continuing thru  XX/XX/XXXX . These fees are not marked as " late fees '' only " fees charged '' on the itemized part of the bill. In addition, they do not indicate the date they receive your payments on the statement. These  two f actors do not immediately make it obvious when you look at the bill, what is going on. My bills were never late -- only short by {$2.00}. So over this period of time from  XX/XX/XXXX  thru  XX/XX/XXXX  I incurred {$320.00} in late fees by my calcul ations. ( My  bill would have been paid off by now if not for these fees. ) -- I see no reason why the company would increase my minimum payment by {$2.00}, even when my balance was going down. I feel this is a type of scam or taking advantage of the customer, if you will. I feel that they can see you are now paying by auto payment and they believe they may be able to confuse you, if you do n't pay close attention to your bill -- by changing you an amount due slightly over your auto payment and then charge you exorbitant fees for " being late '' on a balance of {$250.00} or less.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing to DISCOVER FINANCIAL SERVICE because I am having difficulties with applying for new credit cards. The late paymen on XX/XX/2020 in XXXX, XXXX  and XXXX  report prevents me from achieving the desired results. 
I am kindly requesting DISCOVER FINANCIAL SERVICE to remove this late paymen from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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. 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. 
Delete the Following account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Filed Mutiple dispute with the credit reporting agencies. In regard to inaccurate and fraudulent activity on my credit report. 
I never received any notifications in regard to the investigation. It been over 60 days with no answer. 
I filled a Ftc Identity theft report as well as sent a 30 and 60 demand letter to comply with the credit bureaus. Still have yet to receive any response The Credit bureaus also stated my account was properly investigation but how is that possible if the people they ask also said it was fraudulent and deleted so they giving false info, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also 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 account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose...

5.According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I Have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged Debt, nor therefore any such debt in fact Exists '' THE BUREAUS IS NOT ABOVE THE LAW PLEASE MAKE SURE THEY REMOVE THESE OFF MY ACCOUNT OR MY NEXT STOP IS TO BBB

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