BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: WA
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 XXXX Account # 12345, has violated my rights.

15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX {$2800.00} XX/XX/XXXX MBA Law {$2200.00} These dates and any other improper use of reports sent out against me was and is direct violation of my right which is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX  ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I just received a copy of my consumer report and I noticed two accounts listed below were reinserted on my consumer file. Can you reinvestigate these accounts and provide me with the description of how you certify that the information was complete and accurate. I also was not notified within 5 business days of the reinsertion of these accounts which a violation under 15 USC 1681i ( 5 ) ( B ) iii : XXXX XXXX XXXX - Remove this account from my consumer report due to violation or my rights under 15 USC 1681 i ( 5 ) ( B ) iii XXXX XXXX XXXX XXXX - Remove this account from my consumer report due to violation of my rights under 15 USC 1681 i ( 5 ( B ) iii XXXX. XXXX XXXX on XX/XX/2023 - Remove this unauthorize inquiry from my consumer report due to violation of my rights under 15 USC section 604 ( a ) 2  XXXX. XXXX XXXX  Inquiry on XX/XX/2023 - Remove this unauthorize inquiry from my consumer report due to violation of my rights under 15 USC section 604 ( a ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
We went to RoomsToGo to purchase furniture. We made a purchase and are awaiting delivery. So far, no problem. Then we received two credit cards from Synchrony bank for RoomsToGo. We did not apply for a Credit Card, make an inquiry about a Credit Card nor show an interest in a Credit Card with Synchrony Bank RoomsToGo.

When we tried t

o call Sychrony, it was like pulling teeth. Finding a number was difficult and it took several calls with long wait times to get a hold of a person. And of course, there is the frustration of being hung up on. The end result was that we were told to just destroy them. I can only hope it works. 

We had a Sam 's Club card that turned out to be from Synchrony and after I cancelled it, they still put a charge on it ( Sam 's Club membership ). And I had to go through the same awful experience to insure the account was closed.

Synchrony Bank is not someone you want to do business with for a variety of reasons which include, among others, a horrible interest rate, horrible customer service and undependable results ( in my experience. )

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 2019-01-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent a payment to my home mortgage account electronically on XX/XX/19. My account reflected the payment and then showed a XXXX  balance on XX/XX/19. Wellsfargo then " reversed '' the payment without my authorization, but did not return the funds back to me. The account then reflected I once again had an outstanding balance and did not reflect the payment from the day before. Wellfargo says this is due to " delay '' in processing the payment and that i will eventually reflect accurately, however right now the account in in error and incorrectly reflecting my amount due and my outstanding balance. Wellfargo has been unwilling to correct the issue simply stating that it will correct itself in due time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Found charges for " card security '' on an Amazon synchrony card that I never enrolled for. They said a box was checked when I signed up for the credit card - I never checked a box requesting this. The company refunded the charges for XXXX - but apparently have been charging them since XXXX. I was told a supervisor was unavailable but one would call me back within 24 hours on 2 occasions and no calls were received back. Third time I called I was still told there was no supervisor I could speak with I requested to hold until a supervisor could be located. I was on hold for over 50 minutes and was told they could not help me.

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 2019-07-22
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Company have failed to provide debt validation on acct XXXX Debt Validation was sent out on XX/XX/19, The company received it on XX/XX/19. They had 30 days to validate the debt and they have failed it is now XX/XX/19 and they still have yet to provide proof me giving them and little extra time to provide something and have fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: AMERICAN ADVISORS GROUP
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
WAS DOING a reverse mortgage but because they only can add or tack so much on the original loan we did not close.At that time I had been promised by my reverse mortgae professionals supervisor that AAG would pay certain bills that incurred when -like the mold inspection etc.That wasin XXXX now it is XXXX and I have received imvoices for the bills.XXXX told me to fax the invoices to him and he would see what he could do.All he said was that we did not CLOSE so consequently they could not pay the invoices.This is my basic complaint-his supervisor assured me that they would pay these bills

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to see my updated Experian Credit Score, That i am paying for monthly starting XXXX. The money is taken away monthly. But i can not view my credit score. I can not do anything because of the error. 


Experian is not updating my credit score FCRA Violations- Update my credit score.

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 2023-11-06
Company: Self Financial Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They reported on ALL Bureaus an address in XXXX, California, where I never lived on my report. The sole purpose of the address was simply supposed to be a temporary address so they mailed my XXXX card that they have never sent to me since XXXX despite my many requests and countless calls to solve the issue. They also reported that i closed the account but i didnt. 2 Incorrect information that need to be removed and corrected immediately. They should not report incorrect information in people 's credit. Super incompetent staff and bad company to enter business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Today, XXXX/XXXX/15, I received an email from American Express indication that my credit line has been substantially reduced. I have never gone over my credit limit ; I have never paid late ; I have always paid more than the minimum amount due. 
I have written to them asking why my credit line was reduced as I have adhered to the agreement I have with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
Western Union refuses to perform due diligence regarding 3 refunds/cancelation it has been. Over 45 days and I have yet to receive refunds from my wire transfers that was returned/refused from my biller/creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: United Student Aid (USA) Funds
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Was a student at XXXX XXXX College and I believe I was a victim of the predatory lending practices.I was also saddle with hight interest private loans that I did not know about until after I found out about there accreditation. And was Fortunate enough to get out. But I 'm still saddled wit almost XXXX dollars worth of bad debt. This was in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Some thief stole my prepaid card number and my PIN, and using a duplicate card withdrew {$980.00} from my account on XX/XX/2021. Withdrew {$1000.00} from the account on XX/XX/2021. And withdrew {$1000.00} from the account on XX/XX/2021. 

The card holder agreement clearly states that when fraud is reported the the account holder will not be liable for losses. Instead, Bank of America is not only refusing to compensate me for this fraud, but has frozen my account and seized all the money I have, making it impossible to pay any bills. 

I have filed a police report for the money stolen, and have asked Bank of America to review the pictures from the ATM machine of the person who stole my money. I hope they will give these pictures to my local police department and the FBI. I require help getting BofA to return my money to me.

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: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I got a title loan in Georgia then I XXXX XXXX XXXX because of covid and job loss, I continue making payments to TitleMax in Georgia even when I really wasn't supposed to because I did not live in that state. Every time I make a payment to Title Max it states I need to be in that state to make that payment. It's easier to make monthly payments than it is to pay off the loan because of the predatory style loan that's set up for people who are in desperate need. Last time I made a payment to TitleMax was on XX/XX/XXXX of 2021 for {$800.00} that next month on XXXX they repossessed my car, my child car seat was in that car and they took it about 2 hours away from where I lived at the time in virginia. Ive been very transparent to the store manager in Georgia I believe his name was XXXX XXXX on XXXX XXXX XXXX in XXXX Georgia. I was not able to get the car the same day it took a few days before I was able to come up with enough money to pay off my loan, I had to ask friends and family and a lot of people for help. This loan that was set up was easier to make monthly payments and the loan will renew itself if you continue to make monthly payments the monthly payments are easier to pay than it is to pay off the loan. TitleMax knows this is the predatory style loan they know they were praying on Desperate people and it wasn't right for what they done I was very transparent to everyone at TitleMax involved yet they still repossessed my car and made me suffer and have loss of income. 
I asked TitleMax the show proof of monthly payments I made to prove that I overpaid my loan, I would like TitleMax to fix this and reimburse me at least for something because of all the problems I have had with them and because of all the fake reviews at the store. I was required to put a five-star review after I receive my loan from the store manager. I go on XXXX reviews and everyone has put in five stars there's a reason for that. it's not because TitleMax has a good business model it's because they're required to by the store manager, the reviews are not real.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went online First national website to obtain information about closing an account for a decease. The website instructed me to call the customer service number regarding bank accounts. I called customer service on XX/XX/2022 and spoke with XXXX at XXXX XXXX. I asked about the process of closing an account of a deceased person. I was placed on hold, and she proceeded to inform me I will just need to go into a First National Bank with a death certificate to close out a bank account. I asked should it be the branch the deceased normally banked. Or any branch? XXXX stated any branch. 

On XX/XX/2022 around XXXX, I went into the XXXX XXXX and XXXX XXXX assisted me. I lead the conversation by informing I was advised by customer service, to go into a branch location with the Death Certificate to close an account for a deceased. She took the death certificate and asked did I have a letter that I am a trustee to handle my grandmother 's affairs, I inform her I did not. XXXX made a copy of the death certificate anyway. She stated she can only flag the account but without the letter of trustee can not close it. I asked if customer service was aware of this because I was informed the death certificate was the only document needed. I went back a few minutes later to request a copy of the policy of closing the accounts for the deceased. XXXX stated it is internal there is no policy to view. I asked do you at least have the policy for just closing an account in general. She stated it's internal and the website will instruct to come into a branch. The website does not instruct to come into the bank it instructs to call customer service. 

I followed the information that was given to me and there is no written policy to verify which employee information is accurate. My family already must deal with grief, and to also get misinformation is placing an added burden on the situation. I have also sent a certified letter to their headquarters Tracking number : XXXX, They are still charging overdraft fees to the bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Ive initiated an instant transfer on XXXX XXXX in the amount of {$4.00} from my Venmo account to my XXXX XXXX  account ( debit card ) but never received my funds instantly as the instant transfers promise. I have reached out to Venmo numerous times within a ( 1 ) week period theyre not to concerned or helpful with my issue, though theyve informed me my transfer has processed successfully on their end so I was advised to contact XXXX XXXX  support whom stated my funds are still pending on their end at this moment I dont know what to believe Venmo support team did provide me with a acquirer reference number so that my funds could be tracked I will be attaching the information below. XXXX XXXX  support informed me since its my first time transferring money Id have to wait 1 to 3 or up to ( 5 ) business days which is unheard of to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AES/PHEAA
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FedLoan Servicing is indicating, through their website, that I have a payment past due on a federal student loan when payment upon such loans is suspended until at least XXXX XXXX, 2021. 

FedLoan 's banner message alleges my loan payment is two days past due. 

I know that's not correct ( and possibly illegal under the FDCPA ), but how many borrowers are relying on the information being provided to them by their loan servicer as to when they have to make payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX XXXX, account number XXXX, all have 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 an account without my written instructions.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-08-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/DEPT OF ED, XXXXDEPT OF ED, 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 explanation