BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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 2018-10-06
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a mattress from XXXX and financed it using XXXX XXXX. XXXX became XXXX XXXX and can no longer access my original documents. My purchase was suppose to be a fixed rate 5 year term. However, I received multiple defective products and eventually upgraded my purchase to a better mattress. Essentially there were two purchase dates however it should have fallen under 1 promotion. XXXX improperly booked the return and submitted my orders as multiple purchases with differing promotions. Some of the promotions expired and fees and interest were realized. I have made over 20 calls to XXXX XXXX and synchrony to resolve this issue and I keep getting he run around with each company blaming the other for issue. I have been trying to resolve this issue for over a year and have spent countless hours on the phone. I finally had a supervisor at XXXX XXXX advise me how to resolve the issue and when I did as she was instructed and called back and was informed by another supervisor that she improperly instructed me and I had to undergo a whole other process. This was just one example of the many blame games they have been playing. Purchase details below : {$1700.00} initial charge XX/XX/2015 {$3700.00} second charge XX/XX/2015 {$1900.00} in interest charges The initial purchase was for a defective mattress which was returned and then we upgraded. We were assured that the upgrade would fall under a 5 year fixed payoff. However XXXX booked this as two separate transactions instead of a return and a single mattress purchase. 

I have had multiple purchases with synchrony over the years and have always been timely with all 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 monetary relief
Consumer complaint received 2022-03-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Companies Involved : Transunion XXXX Dispute : " XXXXXXXX XXXX XXXX '' : {$170.00} balance While XXXX has removed this collection notice, XXXX and Transunion services have not. Additional disputes have been unsatisfactory as both online and telephone services are non-functional. 

This collection needs to be removed as I moved out of XXXX in early 2021, after having just graduated ( spring ). This was immediate, as in significantly earlier than my lease end date, thus ending energy usage prematurely ( close account requests ). Bills are dated for much later ( summer/fall ), with fees, that XXXX has already stated does not exist under their agreement with Ohio lawmakers XXXX 

Originally I was going to submit a small claims against " XXXXXXXX XXXX XXXX '' but I can not ( temporarily ) at this current time due to the realization that they don't have a registered agent or conduct business in my home state ( New Jersey ). As recommended I will however consider this CFPB complaint as the two separate arbitration proceedings against XXXX and Transunion. After an appropriate amount of time, I will file a claim at my local courthouse.

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 2020-03-07
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I booked a flight on XX/XX/XXXX. My American Express gold card had travel interruption insurance. The flight was set for tomorrow XXXX but my spouse has the flu and the trip was interrupted until Wednesday XX/XX/XXXX. The airline assessed a {$400.00} change fee. American Express claims they stopped offeringtrip interruption insurance in XXXX. They did not notify me and also I booked this before in XXXX when I had coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Atlantic Credit & Finance, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a threatening letter from Atlantic Credit and finance incorporated threatening to sue for debt if I do not contact or pay. For one, this company has never sent correspondence to me until now, two, I informed the person that called I am XXXX and have no way to pay as I am waiting on social security and have absolutely no income. This same alleged company has called my household multiple times with blocked caller or unknown caller on caller ID and immediately ask for social security number. I do not give this information over the phone to random callers. 

This letter was received via XXXX today XX/XX/XXXX and demands payment or contacting a number they give but never answer by XX/XX/XXXX or  they will hire an attorney to sue. As I said, I have informed them in the past I am XXXX, I can not work and I have absolutely XXXX income until my social security XXXX is approved.

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 2018-10-06
Company: Navient Solutions, LLC.
State: UT
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:
I have submitted a previous complaint through the CFPB regarding Navient 's processing of my grace period. That was collected under complaint # XXXX. In short summary, I withdrew from XXXX  school on XX/XX/XXXX and returned to school on XX/XX/XXXX. This process used all of my grace period for loans issued prior to XX/XX/XXXX. However, on returning to school Navient forced me into deferment despite multiple repeated requests that I made to enter into repayment under an income based repayment program. Navient will hide behind some incorrect interpretation of documentation that they received from my school but for months I would call Navient, talk with their representatives and would attempt to remove my grace period and enroll in an IBR and would be told that the process would begin next month. This process repeated itself for months before I was ever told that Navient had incorrect information about my enrollment dates at school. This blatant error on their part cost me thousands of dollars in accrued interest on my loans. Additionally, this increased the amount of interest that capitalized on my principal when I finally would be let into the IBR repayment program. 
Following the issue of my previous complaint the company quickly entered me into the appropriate repayment which occurred on XX/XX/XXXX. On XX/XX/XXXX despite multiple months of payment in the REPAYE income based repayment program and repeated requests now that I remain in repayment Navient removed my loans from the REPAY IBR program and again placed me into grace period on those loans. According to documentation that I have received from Navient this has occured because I graduated from medical school this summer. Navient has specifically stated in their response to my previous complaint ( #  XXXX ) that they are aware that I have used up my grace period on my loans. They have illegally placed me back into grace period as my loans have no grace period left. I have not realized this occurred until now as Navient, despite entering me back into grace period and removing me from the REPAYE program, has continued to happily receive my autopayments. This illegal activity from Navient will end up costing me more than a XXXX dollars in lost interest subsidy from the REPAYE program and missing out on the 0.25 % interest subsidy from autodraft payments while on a repayment program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account that should be adjusted is : XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX  XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX  XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX SER XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX  XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX AR XXXX {$0.00} Someone stole my identity.

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 2022-03-16
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was current with the previous mortgage servicer XXXX Home Loans until the COVID 19 pandemic hit and was placed on a COVID forbearance starting XX/XX/XXXX and as a United States XXXX XXXX XXXX I was suffering due to the restrictions placed by COVID as I was doing work for a church but it closed because of social distancing guidelines The forbearance continued until XX/XX/XXXX and I was approved for a deferment of 10 months of payments I starting paying Calibur in XX/XX/XXXX and continued to as they were updating my loan to reflect current My loan never updated before the service transfer to Fay servicing on XX/XX/XXXX but XXXX continued to have me pay because they knew it was a matter of time and my loan would reflect current When my loan transferred to Fay servicing it was a completely different mortgage servicing experience and Fay would not accept my payments I mailed one in for the month of XX/XX/XXXX but Fay sent a Returned Funds notice dated XX/XX/XXXX saying I was in active foreclosure in spite of the face Calibur approved me for a deferment I sent a copy of the agreement to Fay several times and it took Fay servicing until about XX/XX/XXXX to apply the deferment but for the 6 months they refused to accept payment Fay servicing refused to assist me and forced me to apply for a loan modification even though I was already approved and was paying my monthly payment before the service transfer my loan became delinquent due to the error in servicing by Fay in not updating my loan and not accepting payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
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:
I sent out a dispute letter to Equifax on XX/XX/XXXX and Equifax received the letter on XX/XX/XXXX because the sent it certified mail and the receipt came back. I waited about 40 days till i sent out my following letter which was on XX/XX/XXXX stating that i didnt received a response within 30 days of them receiving the first letter which is a major violation under the FCRA law and they didnt seem to care much for it. They did reply after i sent the following letter to them which i received on the XX/XX/XXXX. All it said was the item was verified. They didnt mention anything about the violation that was cause by them and just ignored it. They didnt even send me proof of the item that was supposedly verified. No original documents or signed documents showing me that the item listed was verified in any way which is another violation and if the item can not be proof verified, the item much me DELETED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card with Capital One in XX/XX/XXXX. From the start, the card was set up so that the full outstanding balance at each month was automatically taken from my Savings account with Capital One 360. 
This happened every month until XX/XX/XXXX, when Capital One failed to make the monthly transfer and then charged me a past due fee of {$25.00} and interest of {$100.00}. A further interest charge of {$4.00} was taken by Capital One on XXXX XX/XX/XXXX, relating to the same Capital error. 
I wrote to Capital One of XXXX XX/XX/XXXX requesting that these fees were reimbursed. There was no response. I wrote again on XXXX XXXX and received an email asking me to phone them because they did not have all the information! 
I phoned them on XXXX XXXX and they agreed to refund the past due fee but refused to refund the interest charges. They accept they made an error but refuse to compensate me for all the charges from their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have tried disputing items reported to my credit report already and the accounts have not been verified accurately and deleted even after investigations were done. The following accounts are reported to my credit reports inaccurately after complete investigations by credit reporting agencies : 1. Account number - XXXX : XXXX XXXX XXXX XXXX XXXX : {$5900.00} Original creditor : XXXX XXXX XXXX XXXX Reported : Dispute investigation completed on XX/XX/XXXX  ( XXXX XXXX ) In accordance with the fair credit reporting act XXXX  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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

2. Account number - XXXX : XXXX XXXX XXXX : {$470.00} Reported : XX/XX/2023 In accordance with the fair credit reporting act XXXX 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

3. Account number : XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$360.00} Reported : Dispute investigation completed on XX/XX/XXXX  ( XXXX XXXX ) In accordance with the fair credit reporting act XXXX  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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

4. Account number : XXXX : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} Reported : Dispute investigation completed on XX/XX/XXXX  ( XXXX XXXX ) In accordance with the fair credit reporting act XXXX 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 : if also states a consumer reporting agency can not furnish an account without my written consent.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit reporting and collections on account is fraudulent. And I did not give consent for my credit file to be improperly used.

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 2022-03-16
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed out of {$500.00} by XXXX scam artists whom I thought were loan originators for a mortgage I was trying to get. They insisted I pay them a {$500.00} origination fee through PayPal so I did. I immediately knew I had just been ripped off so I contacted PayPal asking them to step in and help me. At first I was told there was nothing they could do. Then like a day later or so XXXX at PayPal told me that I was covered by PayPal 100 % fraud protection but it could take up to 10 days to get it back. I waited until I noticed the chat that XXXX said she was keeping open for us to communicate was closed. I contacted them again asking what was happening and some other agent is saying that the case has been closed and denied. They didn't even notify me at all! Now im currently arguing with someone that has no clue at all what this situation is but apparently thinks they know everything about everything and is telling me that my money is gone and these XXXX scammers are allowed to continue to do this to as many innocent victims as they want using PayPal payment platform without consequences! This cant be allowed! My money should be refunded to me immediately and the scammers should be investigated and stopped asap! PayPal is complicit in this fraudulent activity and they need to be stopped now!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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