BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX CO XXXX Account Number XXXX XXXX XXXX CO XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX   Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY 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 explanation
Consumer complaint received 2018-06-30
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had aXX/XX/XXXXXXXX XXXX Lease through GM Financial that I paid-off on XX/XX/XXXX of this year ( 2018 ). The lease was closed-out when we purchased a vehicle at XXXX XXXX XXXX, paid-in-full, and we were sent closure documentation and even a refund a month or two later for overpayment. 

On XX/XX/2018 we noticed withdraws still occurring from GM Financial within our checking account, and found automatic payments being withdrawn from our checking account in the amount of {$250.00} every month despite having paid-off the lease ( from XX/XX/2018 through XX/XX/2018). We thought, that's where all our money has been  disappearing! 

On XX/XX/2018, my wife called GM Financial, and was very kind and detailed, provided the exact days, amounts we paid, pay-off details, amounts still being fraudulently withdrawn with each day and amount, and ended up having to fight with an employee named XXXX ( employee # XXXX ) on points that were so silly that XXXX actually asked at one point, " Don't you think it's a problem that you didn't see XXXX coming out of your account for 5 months? '' As an argument against just giving us our money back! 

We requested a supervisor and were not able to speak with one. 

We emailed top executives ( XXXX XXXX ) at GM Financial requesting a remedy and suggesting that the voice recording of the call between us and XXXX be pulled to review the poor service representative. We received no response. 

We also contacted our Bank, XXXX XXXXXXXX XXXX XXXX in an attempt to prevent continued withdrawals by GM Financial. Our bank told us that since they're using a different reference number each time it wasn't possible to stop GM Financial from continuing to automatically withdraw fraudulently. Even the bank can't stop a fraud apparently. 

Today, on XX/XX/2018, we notice that yet another GM Financial withdrawal was made for {$250.00} from our account. We have had fraudulent withdrawals from GM Financial for 6 months now since paying off the lease in-full in XX/XX/2018, a theft of {$1500.00}. 

This is a crazy situation! We are so thankful for the CFPB at this point and aren't sure what we could even do without you! 

Please help : (

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Innovis
State: NC
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:
XXXX XXXX continues to show on my credit reports. I have contacted the 3 major bureaus and XXXX and it continues to show. I closed this account with US military orders in XX/XX/2013 and it shows a balance that was not owed. I currently have an account with them also which makes no sense. Please remove the XXXX negative account from my credit report # XXXX. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Square Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021 Cash app emailed me talking about XXXX XXXX had my financial information an I do not remember giving them permission to have my financial information. I am a federally protected consumer and I feel like they are violating my rights to privacy. I feel like I should be remedied for them violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX/XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX   XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ON XXXX ) UNAUTHORIZED INQUIRES 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 GA XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX # XXXX NOT MY ACCOUNT ( DISPUTED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To XXXX, TransUnion and XXXX, DELETE XXXX XXXX   XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. TransUnion is reporting XXXX as the account number. XXXX is reporting XXXX as the account number. However XXXX is reporting XXXX. These account numbers are inconsistent. 2. In the Last Payment section of this listing. TransUnion and XXXX is reporting XX/XX/2018 for last payment made. However, XXXX   is reporting XX/XX/2018 as the last payment date made. These dates are inconsistent. 3. In the Date Opened section of this listing. XXXX and XXXX is reporting XX/XX/2018 for date the account was opened. However TransUnion is reporting XX/XX/2018. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete

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 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. XXXX has complied but Trans Union and XXXX has not followed the laws.

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 2019-02-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a denial letter from Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 
- I never applied - I called to raise this concern. They checked and responded that they have no record. 
- My concern is How this happened and also the same could happen with other credit card companies. Is there any to monitor/stop it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Other problem getting your report or credit score

Complaint:
I am trying to get my auto loan reported to the credit agencies so it appears on my credit file but am being told that the bureau won't accept the data because the auto dealership does not have enough records to report. What are people supposed to do who live in small communities if the credit bureaus only service large entities? This affects my ability to build a credit profile which ultimately affects my ability to access credit. It's discriminatory and should not be allowed.

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 2019-03-16
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THIS HAS BEEN DISCHARGE ON MY BANKRUPTCY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: AXOS FINANCIAL, INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had a 5 YR CD with XXXX Axos Bank ( based out of XXXX XXXX, CA ) for {$55000.00}, which expired on XXXX XXXX. I requested on the phone to have the funds deposited in my checking account and was told 1 ) That I could not request this transaction until the CD 's expiration date ; 2 ) On the date the CD expired I called was told that it could only be done by me, online. After I told them I did not see the option to do it, I was told that it was a technical issue and that someone will call me about it ; 3 ) 24 hrs. later no one call me. On XXXX XXXX, I was told that I had to fill out a form to request the transfer. It could only be done by check or by wire transfer ( fee : {$35.00} ). I chose the wire transfer and submitted the form via their secure message center. I received acknowledgement that it was received. 
4 ) On XXXX XXXX I was left a message saying that the bank needed to verify my request. I called the bank numerous times. The call center told me that they did not do veryfication of requests. So I sent another message, through their secure message center, veryfing my request. 
5 ) Today XXXX XXXX I logged in to my XXXX Axos Bank accounts and it shows no money. I have another CD for XXXX with them that expires on XX/XX/2021. However, my account now show {$0.00} and their customer call center can not help either. 
It makes me think that someone is running away with my money. Could you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX, for committing identity theft. I have never given XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXX XXXX, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX, continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On friday XX/XX/XXXX I received by mail first notice for plaintiffs motion for writ of garnishment and wages, money and other property belonging to me have been garnished. I have no idea what this is about the paperwork came from XXXX XXXX and they say its a debt from XX/XX/XXXX in the amount of {$1300.00} I have no idea where this 13year old debt came from and the originator but I would like to stop this garnishment from my ssi this is awful for a company to go out trying to make money illegally from consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion and XXXX  reporting as a balance is owed for The 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
Consumer complaint received 2021-09-07
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Harris & Harris , LTD has committed fraud and violated my rights as a consumer. According to 18 US Code 1342 " Whoever, for the purpose of conducting, promoting, or carrying on by means of the Postal Service. '' Attached below is what was received by postal service mail. Also, I requested validation from 15 US Code 1692g ( B ). H & H was unable to validate the alleged debt. I would like for this account to be settled and resolved to paid in full with a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: WSFS FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am in the process of refinancing this loan. The loan will be refinanced with XXXX bank. XXXX bank has been requesting a loan payoff ( through XX/XX/2021 XXXX since XX/XX/XXXX. They have now requested it 3 times. I have requested it, as the borrower, 2 times. There are notes all over my account showing this. This is the LAST remaining stipulation before I can refinance. WSFS dragging their feet is costing me money as their interest rate is higher. They are doing this to deliberately keep the loan on file longer.

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 2021-02-22
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' It has been 180 days i received an email to withdraw my funds but they are not letting me add my debit card to withdraw my funds. 

They need to restore my account so i can withdraw my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I bought a prepaid visa card netspend at XXXX. On XX/XX/2019 I put XXXX dollars on card to give to my daughter for school trip to wisconsin we were not able to activate card. I had to buy another prepaid card at XXXX XXXX the next day to send with her for her trip. Its now XX/XX/XXXX. We still can not use card. I tried to take it back to XXXX but they said we had to call company. I have made several phone calls to company. Been disconnected multiple times and placed on hold for about an hour each time when I finaly got through I Was told it would take a month to get this authorized.. They are asking for me to send copies of my ss card birth certificate dl. I paid for this card I have receipt to prove I paid for this card and I have purchase prepaid cards in it usally takes a half hour to get card activated I have never ever experienced this before. No where on card does it states will take a month to activate. So basically they stole XXXX dollars from me and i cant get it back. Im not a rich person and I could of used this to pay for my electric bill. I do.not need my money back a month from now and frankly there is no guarantee that if I do everything they ask me to that I will get it back I beleive they stole my money and are using every excuse they can not to give it back to me. I cant afford to wait a month I need to be able to access my money now. That is what I paid for. The. Card im having issue is is netspend visa. Thank you for your help in this matter

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 2019-03-17
Company: WELLS FARGO & COMPANY
State: SD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got a letter in the mail dated XX/XX/2019 from Wells Fargo Bank that my mortgage loan was being transferred or sold to XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX , XXXX. Sorry if this doesn't fall into the category of what you offer to pick from the menu. I just wanted to report this. I've been a loyal customer with Wells Fargo for 25 years, I'm a Veteran. I have many accounts with Wells Fargo. This Bank , XXXX XXXX XXXX XXXX is regional and has one star reviews it's website is abysmal and is not accredited. I don't want Wells Fargo sending my loan to this junk bank. It's not right. It's criminal. I forgave them when they were opening accounts in peoples names without their knowledge but I don't think I'll forgive them for closing and selling my account and leaving me to this bank. Please make it right.

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