BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sent a verification of accounts request to TransUnion in reference to XXXX BK accounts that appears on my credit report with them. I have documentation that Transunion received the request for method of verification on XX/XX/XXXX. Allowing them the 15 days to provide the requested information. I then sent them a XXXX letter on XX/XX/XXXX asking them to delete the information as they never responded to the method of verification letter, for which they received this request on XX/XX/XXXX as per documentation. I then sent another request for deletion as per non response on XX/XX/XXXX for which they received on XX/XX/XXXX. Now in the cross I received a notice from TransUnion finally dated XX/XX/XXXX which is well after 15 days or even 30 days after receipt of the first request on XX/XX/XXXX, stating that the accounts were verified as accurate. However ; they did not include whom verified these accounts to be accurate. I reviewed my credit report and it states that TransUnion uses a third party to verify this information, however their letter did not state from who. On XX/XX/XXXX I called TransUnion and spoke with a supervisor by the name of XXXX who stated to me that they use XXXX XXXX as their third party verification and its just a computer base verification. So I called and spoke with XXXX XXXX and they started an investigation of their own as they state that they are the third party reporting agency for TransUnion. In the meantime I once again asked TransUnion to remove the accounts. On XX/XX/XXXX TransUnion sent a notice stating I could no longer dispute these accounts unless I had other/new documentation. I received from XXXX XXXX documentation stating they were unable to verify the validatity of XXXX of the accounts and have removed them from my report. I sent this information to TransUnion of XX/XX/XXXX with the documentation from the XXXX party vendor for which they stated they used to verify these accounts advising that per their investigation the accounts has been removed. TransUnion received this information on XX/XX/XXXX and still have not removed the accounts

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 2020-08-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I FILED A DISPUTE OVER CHARGES THAT THIS COMPANY SWINDLED ME OUT OF XXXX. XXXX XXXX LIED TO THE BANK SAYING THERE WAS A PARTICULAR TIME FRAME TO GET A REFUND.I WOULD LIKE MY MONEY BACK AFTER THEY CANCELED MY XXXX OUT OF NOWHERE. 
I MADE A XXXX DOWN PAYMENT ON XX/XX/2020 AND THE FINAL PAYMENT WAS TO BE MADE 15 DAYS BEFORE THE XXXX WHICH WAS XX/XX/XXXX. I HAVE BEEN TRYING TO CONTACT XXXX XXXX SINCE XXXX AND SHE HAS NOT ANSWERED MY EMAILS AND TEXTED AND I HAVE PROOF OF THIS. THE AUTOMATIC SYSTEM CONTACTED ME SAYING MY XXXX WAS CANCELED. I CALLED XXXX XXXX AND THEY TOLD ME XXXX WAS SICK FOR 3 WEEKS! NO ONE FROM XXXX XXXX INFORMED ME SHE WAS SICK AND DID NOT DO THE PROFESSIONAL THING TO LET ANOTHER TEAM MEMBER HANDLE HER ACCOUNTS NOT EVEN HER MANAGER DID THE RIGHT THING TO GET THE PAYMENTS FROM ME. THEY ARE REFUSING TO REFUND ME BECAUSE IT WAS PAST THE 15 DAYS BUT HOW IS THIS IS POSSIBLE WHEN I WAS NEVER INFORMED INITIALLY THAT SHE WAS SICK. I HAVE ALL THE PROOF I WAS TRYING TO GET A HOLD OF HER BEFORE THE 15 DAYS BEFORE THE XXXX. THIS PLACE NEEDS TO BE SHUT DOWN FOR SCAMMING PEOPLE. I WAS FLYING ALL THE WAY FROM NEW JERSEY FOR THIS XXXX. I AM OUT OF XXXX AND A PLANE TICKET! SANTANDER DID NOTHING AND JUST EXCEPTED THEIR LIE ON WHY I SHOULD GET MY MONEY BACK. I WILL BE CLOSING MY ACCOUNT AFTER THIS FOR THE VERY POOR CUSTOMER SERVICE AND PROTECTION ON YOUR CLIENTS.

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 2020-11-15
Company: EQUIFAX, INC.
State: NC
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:
I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. the loan was paid off on XX/XX/XXXX 2. after not having the mortgage discharged with the Registry of Deeds ( the payoff amount included the " recording fee '' ) and not having mailed it to me either, I called LoanCare customer support on XX/XX/XXXX. They told me the discharged will be processed and the turnaround time is until XX/XX/XXXX. 
3. On XX/XX/XXXX, after not seeing the mortgage either discharged with the Registry of Deeds or mailed to me, I e-mailed the customer support. The automated response assigned the inquiry as follows : " Release Loan Satisfaction Inquiry ( Ticket # XXXX ) '' 4. as of today, XX/XX/XXXX, I haven't heard back from them. 
5. In Massachusetts, XXXX. Chapter XXXX, Section 55 requires the lender to discharge the mortgage within 45 days of receipt of full payment of the loan. Failure to comply within the 45-day time-frame subjects the lender to penalties in an amount equal to the greater of {$2500.00} or the actual damages sustained by the mortgagor as the result of the failure, together with reasonable attorneys fees and costs 6. as of today, XX/XX/XXXX, LoanCare is already in violation of M.G.L. Chapter 183, Section 55

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 2022-10-04
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Bank XXXX XXXX and Zelle are refusing to return money that was stolen from my checking account using Zelle. 

I was a victim of theft on XX/XX/2022 in XXXX XXXX, LA. My cell phone, credit cards, debit cards, driver 's license were all stolen. I filed a police report with the XXXX XXXX Police Department. 

Bank XXXX XXXX did not remove my phone # from my account after their customer support indicated they did. They continued to allow the thieve ( s ) to use my stolen mobile phone to receive the SMS 2 factor authentication code and get into my online Bank XXXX XXXX account. 

These transactions were not initiated and were not authorized by me. My Phone was stolen. 

Posting date XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$1000.00} DescriptionZelle XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX category Cash, Checks & XXXX XXXX Other Expenses Posting date XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$2500.00} DescriptionZelle Transfer XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX Amount- {$2000.00} DescriptionZelle Transfer Conf XXXX XXXX XXXX XXXX XXXX Merchant XXXX XXXX XXXX Transaction XXXX XXXX, Checks & XXXX : Other XXXX Posting date XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX XXXX {$1500.00} DescriptionZelle Transfer Conf # XXXX XXXX XXXX XXXX Merchant name XXXX XXXX XXXX category XXXX XXXX Checks & XXXX : Other Expenses

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mary Jane M. Elliott, PC collected a debt via garnishment from my bank account on XX/XX/20 in the amount of {$1300.00}. This debt was originally for a XXXX XXXX debt, and the garnishment from my bank account satisfied this debt. 

However, the collection agency run by Ms. XXXX also had a garnishment placed against my state tax return, which they failed to release after the debt had been satisfied on XX/XX/20. 

As of the writing of this today on XX/XX/20, the state tax return garnishment has still not been released, therefore {$900.00} owed to me by the state has been held up wrongly because of the inaction of this collector to release the garnishment. 

I have contacted the office on several occasions, most recently on XX/XX/20 at which time it was verified that the debt was indeed satisfied but that they " somehow failed to '' release the tax garnishment. However, I contacted the state of Michigan treasury today, and they still have not received the garnishment release. 

I would like action taken against Mary Jane M Elliott, PC for causing harm to myself and my family by failing to release this garnishment and thus preventing my state tax return from being rightfully sent to me. This has caused my family finacial harm during this very difficult season. We need this money and it should have come 6 months ago. Mary Jane M Elliott should be held to account for this egregious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$3800.00} XXXX {$1400.00} XXXX {$2300.00} XXXX XXXX {$960.00} XXXX {$45.00} XXXX {$48.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a home warranty from XXXX XXXX XXXX using my American Express credit card on XX/XX/2020. An item in the house covered by the warranty starting having problems. I contacted the company on XX/XX/2020 to use the service they had sold me. The company assigned a contractor that never showed up and never answered the calls. I got an estimate form my own contractor and sent it to the company. They came up with excuses to refuse the repair. Among those was that there is 3 months waiting period which was never mentioned when I purchased the service and was not in their written terms of purchase. I canceled the service but never received a refund. I contacted American Express and disputed the charge with them. They have rebilled the charge to my account. I tried to explain the situation but they did not seem to care. I expect that American Express to protect me from faulty merchants. I did not receive the service I paid for. I use credit card for most my purchases because I trust if the merchant does not hold their end of bargain, I have a recourse. The other credit cards I use have always stood behind the transaction. Th XXXX XXXX XXXX seems to operate as a scam. They advertise and sell a product that they do not provide. They also use deceitful practices to refuse service. In summary, I have not received the service I purchased through American Express credit card and I expect the company to refund my money and stand behind the protections they advertise they provide to consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: DC
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 just recently checked my credit report and noticed that I did not authorize anyone employed by these companies to make an inquiry and view my credit report. In addition, I did NOT give EXPERIAN permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. Last but not least I have no contract with EXPERIAN this is a privity of contract.

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 2021-03-01
Company: AES/PHEAA
State: VA
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:
ON XX/XX/2020 I submitted my Public Service Loan Forgiveness Program form for last year. MyFedLoan.org is suppose to review the form and grant me credit for the past months towards my 120 payments to complete the program. I have called every couple weeks for the last 90 days and I get the same excuse. They have to verify my employer is still qualified. I work for XXXX as a XXXX XXXX. Same place for the last 7 years. As of this morning the service provider still hasnt given me credit for last 12 months and no one there knows what the hold up is. I get the same generic response. Please help before these payments no longer qualify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo my mortgage servicer is giving me a difficult time with my request for mortgage modification. Wells Fargo representative persuaded me to sign a equity line of credit instead of a 30 year mortgage. I have requested mortgage assistance because of a hardship but they have set several foreclosure sales dates and refuse to work with 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 2022-10-05
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Date of incident : XX/XX/XXXX Total Amount of incident : {$60000.00} On XX/XX/XXXX @ XXXX XXXX  EST, which is 18 hours ago from the time this complaint was submitted. I received an email from an internal email address assigned to DRIVE FINANCIAL SERVIES LP. I thank you for the email bearing a two page copy of the Retail Installment Contract, however I do believe there is more and I would like a copy of the complete installment agreement signed on XX/XX/XXXX. Included with this request, I seek to receive a copy of the 1099C and a copy of both sides of the ledger. Ledger dates should include the date of purchase through and including the date the vehicle was sold. Make sure to include with the ledger the amount the vehicle was sold for ; and all charges pursuant to TILA and the FDCPA.

This information is due back to me no later than 5 calendar days, weekends included. If this date is not met, I will file my intent to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: DISCOVER BANK
State: NY
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:
Dear Sir/Madam : I would like to request you to do an investigation against the XXXX   XXXX, XXXX. XXXX XXXX XXXX, TX, XXXX, XXXX, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to XXXX XXXX on XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the XXXX Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against Discover Card Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with Discover Card Company for the reported amount in XXXX XXXX XX/XX/XXXX XXXX, they denied my dispute. However, the same company later acknowledged in XXXX ( XX/XX/XXXX XXXX that there were some undue fees charged to my account ( see the enclosed from Discover Card Company ). 

Thank you, Sincelry, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: GOLDMAN SACHS BANK USA
State: NY
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 have a Goldman Sachs Apple Card with a 2000 dollar limit they wont allow me to make any charges to my card and I am only at XXXX dollars. Someone is controlling my credit accounts and limits illegally as part of a control and credit fraud scheme where they give known informants credit that they are taking from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Paypal did not pay me correct as they only refunded me {$7.00} USD and they were suppossed to refund me {$140.00} USD. They owe me the rest {$130.00} USD. See next {$2600.00} XXXX  equals {$140.00} USD. PayPal ruled in my favor and closed the case in my favor but when they went to credit me back they only credited me back {$7.00}. Someone at PayPal entered my credit as {$140.00} XXXX when it should have been {$140.00} USD. Transaction ID is XXXX. All I am asking for is to have the {$130.00} credited back to me that they stated they owed me but just refunded me wrong amount and now its a theft problem as somehow they cant seem to pay me the money back that they owe me and stated they owe me when they ruled the case in my favor. Please help me get my {$130.00} they owe me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-02
Company: EQUIFAX, 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:
On XX/XX/XXXX, I was alerted to possible identity theft by receiving a letter in the mail from XXXX XXXX for an account opened on XX/XX/XXXX with them. After reading the letter, I realized it was financing for a XXXX XXXX purchase. I contacted the XXXX XXXX on XX/XX/XXXX and informed them of the fraudulent purchase. They contacted XXXX XXXX and I spoke with them while they begin their investigation. This prompted me to freeze my credit report and place a fraud alert with Equifax, XXXX, and XXXX which I did successfully. I then pulled my credit reports with them and noticed inquiries that I do not recognize on each of the reports. 

I called the numbers for each of them and they were unable to help me dispute an inquiry, only to dispute an account. I believe I am a victim of identity theft and need help removing these fraudulent inquiries from my report which are detailed in the resolution section of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have been in contact with the creditor of my auto loan in XX/XX/XXXX and XXXX to XX/XX/XXXX stating my loan is not appearing on my Transunion credit report but its showing on the other two : XXXX and XXXX. The creditor repeatedly tell me they are. I contacted Transunion and got no where. I even sent a certified letter of my complaint but got no where. I pull a recent copy of my credit report, got a statement from the creditor and called Transunion. They tell me my creditor has to call the marketing service department at Transunion. I relayed the message to my creditor to no avail.

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 2020-05-14
Company: EQUIFAX, 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation